Patent ID: 8510184

Claim:
A system for settling a debt, comprising: a server arrangement configured to receive communications from a user, the server arrangement further configured to seek available financial information pertinent to the debt 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 debt, the rules based engine configured to process data from the available financial information and establish a transaction settlement offer set based on the rules established on behalf of the party to the debt and selected available financial information and weighting factors accorded to the selected available financial information, wherein selected available financial information is a subset of the available financial information; wherein the transaction settlement offer set comprises multiple simultaneously presentable and individually selectable offers, each simultaneously presentable and individually selectable offer configured to settle the transaction on terms satisfactory to the party to the debt; wherein the weighting factors are available to the rules based engine for all available financial information sought by the server arrangement, and the rules based engine is configured to apply weighting factors to and determine the transaction settlement offer set based only on the selected available financial information.