INTELLIGENT ADVICE AND PAYMENT ROUTING ENGINE

Abstract

Methods, apparatus and systems include an intelligent decision engine that analyzes data associated with the payment card accounts of a consumer along with other information regarding a particular transaction, and then provides a recommendation to a cardholder concerning which payment card account(s) to use to maximize value. In an embodiment, a processor receives service call data associated with a purchase transaction, determines that a cardholder is a registered smart preferences user, and accesses smart preferences cardholder profile data. The processor then determines a recommendation of at least one payment card account to select for use in the purchase transaction, and transmits the recommendation to a device for consideration and selection of a payment card account by the cardholder.