Dynamic Payment Mechanism Recommendation Generator

A computer program product for recommending an apportionment of payment expenses across one or more payment instruments, the computer program product comprising a computer readable storage device having program code embodied therewith, the program code executable by a processing unit to:

• save one or more payment instruments onto a database;
• receive a request for payment recommendation;
• upon receiving a request, determine if a network connection is available;
• determine a payment category of the payment recommendation;
• apply a function to each payment instrument, wherein the function takes into account payment instrument variables and payment category;
• select on or more payment instruments in accordance with the function;
• and
• conduct an expense apportionment and payment tendering action with the selected payment instruments.

A method comprising:

• receiving a request for payment recommendation, the request associated with an expense profile and an itemized financial transaction;
• retrieving payment instrument data from a database;
• assessing a payment instrument score across two or more payment instruments, the assessment comprising applying a function to a payment instrument, the function taking into account payment instrument variables, category, and location;
• generating a recommended apportionment;
• transmitting a payment in accordance with the recommended apportionment to a network server;
• recording data of the payment;
• adjusting the function to an updated function according to the payment;
• and
• transmitting the updated function to the network server.