Patent ID: 8694390

Claim:
A system for settling a transaction, comprising: a server arrangement configured to receive communications from a user, the server arrangement further configured to seek available financial information pertinent to the transaction from at least one source external to the user, the server arrangement comprising: a rules based engine including rules established on behalf of a party to the transaction, the rules based engine configured to process data from the available financial information and present a first transaction settlement offer set comprising a plurality of selectable monetary offers to the user specifically determined for the user based on available financial information and at least one decision made by the rules based engine, each selectable monetary offer determined to facilitate settlement of the transaction; wherein the server arrangement is further configured to provide a data entry field to the user for use when none of the plurality of selectable monetary offers appeal to the user, and may receive a desired amount to be paid per month from the user, and use the rules based engine to process information comprising the desired amount to be paid per month and present a second transaction settlement offer set to the user including the desired amount to be paid per month and a plurality of offers including a number of months in a payment schedule and a lump sum payment that must be made immediately based on at least one decision made by the rules based engine.