Smart payment solution

A system comprising:

• a memory that stores instructions;
• and
• one or more processors configured by the instructions to perform operations comprising:
• accessing a user profile associated with a set of payment methods, the user profile being associated with a user;
• receiving a selection of a plurality of items for purchase by the user;
• accessing information for a plurality of coupons;
• causing a user interface to be displayed on a display device of the user, the user interface comprising:
• for each payment method of the set of payment methods, a total cost for the plurality of items;
• a recommended payment method selected from the set of payment methods;
• and
• a recommended assignment of the coupons to the items;
• receiving a confirmation from the user;
• and
• initiating a purchase transaction for the items by the user, the purchase transaction using the recommended payment method and the recommended assignment of the coupons to the items.

A non-transitory machine-readable medium comprising instructions that, when executed by one or more processors of a machine, cause the machine to perform operations comprising:

• accessing a user profile associated with a set of payment methods, the user profile being associated with a user;
• receiving a selection of a plurality of items for purchase by the user;
• accessing information for a plurality of coupons;
• causing a user interface to be displayed on a display device of the user, the user interface comprising:
• for each payment method of the set of payment methods, a total cost for the plurality of items;
• a recommended payment method selected from the set of payment methods;
• and
• a recommended assignment of the coupons to the items;
• receiving a confirmation from the user;
• and
• initiating a purchase transaction for the items by the user, the purchase transaction using the recommended payment method and the recommended assignment of the coupons to the items.