Abstract: Method and systems for tracking a solicitation of contributory payments from multiple parties in connection with a commercial transaction, such as a restaurant bill, by using an application that is trained by using a machine learning technique are provided. The method includes: receiving a notification that a transaction has been executed by a user; obtaining information that relates to the transaction; generating, based on the received information, a recommendation for soliciting contributions from potential participants with respect to the transaction; receiving information that relates to the potential participants; and receiving a confirmation of the recommendation. The generation of the recommendation may be implemented by applying a machine learning algorithm that is trained by using historical transaction data and/or data that relates to a merchant and/or a type of merchandise involved in the transaction.

Abstract: A method may include receiving a first recommendation request context from a first communication channel; routing the first recommendation request context to a channel recommendation engine for the first communication channel; receiving a first recommendation from the channel recommendation engine for the first communication channel; providing the first recommendation and the first recommendation request context to a centralized recommendation engine that trains a machine learning engine; providing the first recommendation to the first communication channel that provides the first recommendation to the first customer; receiving a first result of the first recommendation from the first communication channel; receiving a second recommendation request context from the first communication channel; routing the second recommendation request context to the centralized recommendation engine; receiving a second recommendation from the centralized recommendation engine; and providing the second recommendation to the fi