Smart spender customer service system and method

A method, comprising:

• receiving an activation signal from a user interface of a mobile device to activate a payment system for a pending transaction at a point of sale device;
• transmitting a transaction query from the mobile device over a network link, responsive to the activation signal, the transaction query comprising a customer identifier associated with a customer account, wherein the customer account is linked to at least one of:
• a bank account and a credit card account;
• receiving, over the network link before a disposition of the pending transaction, an advice message comprising a customer financial profile associated with the customer account, responsive to the transaction query, the advice message comprising a customer query, wherein the advice message includes current budget information associated with the customer account, and the customer query comprising a menu of options for the transaction, the menu comprising a first option to pay from the first payment account, a second option to pay from the second payment account, and a third option to decline payment;
• displaying the advice message on the mobile device;
• receiving a selection of one of the options of the customer query;
• generating a response message comprising the selection of one of the options;
• and
• transmitting the response message from the mobile device over the network link.

A device, comprising:

• a processor;
• a user interface, coupled to the processor to receive an activation signal, the user interface comprising one or more of a voice recognition interface, a keypad, a touchscreen, a touchpad, and a biometric interface;
• and
• a memory storing instructions executable by the processor to:
• activate a payment system for a purchase application, resident on the device, responsive to the activation signal;
• transmit a transaction query over a network link, responsive to the activation signal, the transaction query comprising a customer identifier for a customer account associated with the device, and further comprising spend information related to the purchase application, wherein the customer account is linked to at least one of:
• a bank account and a credit card account;
• receive an advice message, responsive to the transaction query;
• provide the advice message on the device, the advice message comprising a menu of options for selection via the user interface, the menu comprising a first option to pay from the first payment account, a second option to pay from the second payment account, and a third option to decline payment;
• receiving a selection of one of the options of the customer query;
• generate a response message comprising the selection of one of the options;
• and
• transmitting the response message over the network link.