Bill payment optimization using a genetic algorithm
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United States of America Patent
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Jul 13, 2010
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N/A
app pub date -
Aug 11, 2004
filing date -
Jan 22, 2003
priority date (Note) -
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Abstract
A genetic algorithm determines a plan for payment of payment obligations in accounts payable of a finance account. The genetic algorithm operates to satisfy certain objectives, including maximizing or minimizing the total amount of payments of the payment obligations on a given day within the amount of cash available for the given day. A genome population including a number of vectors is generated. The genome population is modified using a genetic algorithm, until at least one vector represents an optimal bill payment plan for the payment obligations such that payment of each payment obligation in accordance with the vector most nearly satisfies one or more objectives.
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