Patent ID: 8805725

Claim:
A system for providing payment vehicle recommendations to a user, the system comprising: a computer apparatus including a processor and a memory; and a payment software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to: receive transaction data comprising at least one merchant and codes segregated according to the user's eligibility under one or more user enrolled government programs; identify transactions associated with one or more transaction parameters included in the transaction data and the codes; identify one or more payment rules associated with the user, the one or more payment rules comprising at least government consumer protection laws, the user enrolled government programs, and government regulations; compare the terms of the one or more payment rules with the one or more transaction parameters and codes; determine the payment vehicles that meet the terms of the one or more payment rules based on the comparison of the terms of the one or more payment rules and the one or more transaction parameters; determine that a first merchant is not authorized to process at least one of the payment vehicles that meet the terms of the government regulations; determine that a second merchant applies polices that are unfavorable to the user; and provide on a display of a mobile device of the user that is in communication with the system a first recommendation that does not include the at least one payment vehicle that meets the terms of the government regulations and a second recommendation that comprises at least another payment vehicle that complies with the government consumer protection laws.