Processing transactions using convertible optimized attribute packages

One or more non-transitory computer-readable storage media embodying software that is operable when executed by a processor to:

• receive an indication that a user initiated a transaction;
• determine whether location information was received, the location information indicating a location of the transaction;
• identify a first attribute package of a plurality of attribute packages connected with a payment card of the user based on one or more customized rules associated with the user and, when the determination indicates the location information was received, based on the location information;
• send an identification of the first attribute package to a client system of the user as a recommended payment attribute package of the plurality of attribute packages for processing the transaction, and cause a screen of the client system to display a first icon that represents the first attribute package and at least a second icon that represents a different attribute package from among the plurality of attribute packages;
• open, in response to the identification of the first attribute package, the transaction, wherein a payment attribute package for the transaction is set to the first attribute package;
• and
• hold the transaction open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package of the plurality of attribute packages.

A system, comprising:

• one or more processors;
• and
• a memory coupled to the processors comprising instructions executable by the processors, the processors operable when executing the instructions to:
• receive an indication that a user initiated a transaction;
• determine whether location information was received, the location information indicating a location of the transaction;
• identify a first attribute package of a plurality of attribute packages connected with a payment card of the user based on one or more customized rules associated with the user and, when the determination indicates the location information was received, based on the location information;
• send an identification of the first attribute package to a client system of the user as a recommended payment attribute package of the plurality of attribute packages for processing the transaction, and cause a screen of the client system to display a first icon that represents the first attribute package and at least a second icon that represents a different attribute package from among the plurality of attribute packages;
• open, in response to the identification of the first attribute package, the transaction, wherein a payment attribute package for the transaction is set to the first attribute package;
• and
• hold the transaction open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package of the plurality of attribute packages.