Configure Payment Predictor for over and under payment

We would like to understand if it is possible to change the way payment predictor applies payments. 

Our current payment predictor setup is as follows:

Step 1

                Customers Identified: Doesn’t Matter

                References Supplied: Summary

Condition 1        

                                First,  Execute Algorithm Group #REFS

                Condition 2

                                Any Overpayment – Generate an item with WS-05, place an amount on account.

                Condition 3

                                Any Underpayment – Generage an item with WS-07, adjust remaining underpayment

Step 2

Customers Identified: Doesn’t Matter

                References Supplied: Doesn’t Matter

The following scenarios show how the payment predictor works now and how we would like it to work.              

Scenario 1

INVA is 1,000 and payment is 1,000.

                INVA 1,000