Abstract: Systems and methods for recommending purchase of a new smart appliance are described. The method includes receiving operational information relating to a first smart appliance. The method includes predicting, based on the operational information, a future date by which the first smart appliance will be required to be replaced by a second smart appliance. The method includes estimating, based on financial history of a user, a budget capacity for the user to purchase the second smart appliance. The method includes determining, based on the user's budget capacity and a predicted operating cost of the first smart appliance, a recommended date to purchase the second smart appliance. The recommended date is no later than the future date. The method includes providing the estimated budget capacity and the recommended date to the user.

Abstract: A method for providing enhanced transaction detail for a financial transaction includes receiving transaction information for the financial transaction performed using a financial account held by an account holder, generating a transaction record for the financial transaction based on the transaction information, accessing a secondary account of the account holder, including identifying supplemental information for the financial transaction based on the transaction information, associating the supplemental information with the generated transaction record, and providing the transaction record, including the supplemental information, to the account holder.

Abstract: A method performed by a smart appliance includes linking the smart appliance to a financial account of a user. The method also includes monitoring an operation parameter of the smart appliance, and detecting an operational issue of the smart appliance based on the operation parameter. In addition, the method includes communicating the operational issue to a smart appliance payment system. The method further includes detecting, based on the operation parameter, resolution of the operational issue upon completion of a service event on the smart appliance. Still further, the method includes transferring payment for the service event from the financial account of the user upon detecting the resolution of the operational issue.