Abstract: Intelligent electronic record management is described herein. A service provider can receive, via a payor user interface, electronic records associated with a payor. The service provider can recommend, using a machine-trained model, that a payment associated with a first electronic record be paid using a first form of payment. The service provider can settle the payment associated with the first electronic record using the first form of payment. The service provider can additionally settle a payment associated with a second electronic record using a second form of payment recommended for payment of the second electronic record.