Abstract: One variation of a method includes: receiving a transaction request, the transaction request comprising an identity of a user, a location of a vendor, and a price of a transaction; identifying a set of payment methods available to the user, a particular payment method in the set of payment methods characterized by a discrete payment structure defining a discrete payment increment; ranking the available payment methods according to a preferred payment method associated with the location of the vendor, according to the discrete payment structure of the particular payment method, and according to the price of the transaction; receiving a selection from the user for the particular payment method for the transaction; and authorizing a payment to the vendor with the particular payment method.

Abstract: Systems, methods, and apparatuses including computer program products for generating a custom language model. In one implementation, a method is provided. The method includes receiving a collection of documents; clustering the documents into one or more clusters; generating a cluster vector for each cluster of the one or more clusters; generating a target vector associated with a target profile; comparing the target vector with each of the cluster vectors; selecting one or more of the one or more clusters based on the comparison; and generating a language model using documents from the one or more selected clusters.

Abstract: Systems, methods, and apparatuses including computer program products for generating a custom language model. In one implementation, a method is provided. The method includes receiving a collection of documents; clustering the documents into one or more clusters; generating a cluster vector for each cluster of the one or more clusters; generating a target vector associcated with a target profile; comparing the target vector with each of the cluster vectors; selecting one or more of the one or more clusters based on the comparison; and generating a language model using documents from the one or more selected clusters.