Abstract: The payment information may include the offers that are available on each of the plurality of payment accounts that are available to a user. In some embodiments, the payment accounts may be from separate issuers. The offers may be communicated to a user or a use may set preferences for a ranking scheme to be used and the best offer may be automatically applied by selecting to use the payment device related to the best offer.

Abstract: The payment information may include the offers that are available on each of the plurality of payment accounts that are available to a user. In some embodiments, the payment accounts may be from separate issuers. The offers may be communicated to a user or a use may set preferences for a ranking scheme to be used and the best offer may be automatically applied by selecting to use the payment device related to the best offer.

Abstract: A payment system may intelligently monitor text conversations on other applications or a user's email system. Users and participating merchants may enroll credit cards or other payment devices, bank accounts, etc., with the payment system. Once enrolled, a daemon/plugin of the payment system may monitor text applications, emails, or other communication means of the mobile computing device. Using Artificial Intelligence (AI) and Machine Learning algorithms, the payment system may determine payment information from a text or other communication, and initiate and/or complete a payment transaction between the communicating parties. Upon confirmation, the payment system may complete the funds transfer or payment to registered users or merchants in the text communication. The payment system may also integrate with a merchant's loyalty and reward programs and use these loyalty/reward points as forms of payment.