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 the minimum daily
cash on hand in the finance account. 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 a plan for the
payment obligations such that payment of each payment obligation in
accordance with the vector most nearly satisfies one or more objectives.