US Patent 11803824 Distribution utility

Systems and methods can include a computing system configured to receive an indication of a closing of an account associated with a customer of the provider institution. The computing system can be configured to identify resources of the account. The computing system can be configured to retrieve a hierarchical ordering matrix that utilizes at least one parameter to control distribution of the resources. The hierarchical ordering matrix can comprise a plurality of rails. The computing system can be configured to determine a preferred rail for distributing the resources based on an application of at least one parameter associated with at least one of the resources or the customer. The computing system can be configured to initiate a distribution of the resources via the preferred rail.