Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a payment transparency tool that enables users (e.g., employees and/or customers) to identify the rules for payment assessments, the reasons that specific payments were assessed on customer accounts, and the criteria for avoiding future payments. The payment transparency tool compiles and analyzes payment assessment data for various customer accounts, identifies customer account information for the accounts, and creates customized views for users to present clear explanations and data to address payment assessment questions. In some embodiments multiple payments assessed on multiple customer accounts may be presented to a user in an interface through a consolidated payment assessment list. Within an interface a user can view data related to the date a payment was assessed, the type of payment, the payment amount, payment rules, customer-specific reasons for the payment assessment, and avoidance rules.

Abstract: A method, apparatus, computer-readable medium and system are disclosed for presenting product and service offerings to a user. In some embodiments, dynamic messaging may be used to facilitate comparison shopping, allowing a user to select a product or service that best meets the user's needs. In some embodiments, the terms or conditions associated with an offer may be based on a user's relationship with the product or service provider. For example, accounts that the user has with the provider may be analyzed to determine what terms or conditions the user is eligible for. The accounts may be linked to one another, optionally upon the request of the user, to facilitate the analysis. In some embodiments, the product or service offerings may be associated with a financial institution, such as a bank. Suggested or recommended terms and conditions may be dynamically updated as a user progresses through an application process.