Artificial intelligence (ai) based payments processor

A method of processing payments for a user's purchases comprising:

• extracting data from an invoice including details of a user's purchases, wherein the data extracted from the invoice includes at least a listing of one or more products purchased by the user and corresponding prices of the one or more products;
• retrieving user data pertaining to one or more payment modes associated with a user profile, wherein the one or more payment modes are used to pay for the user's purchase;
• accessing offer data including offers of considerations for the one or more products corresponding to the one or more payment modes, the considerations to be received by the user in response to paying for the product with the corresponding payment mode of the one or more payment modes;
• identifying a savings based best offer from the offers of considerations for at least one product of the one or more products, wherein the savings based best offer is determined by a savings oriented model based on the offer data, the savings oriented mode includes a mix and match model that outputs combinations of the one or more payment modes to be used to pay for the one or more products and the combinations are further processed by a dynamic decision tree structure model;
• determining if the user profile has historical data related to prior user selections of offers and payment modes;
• if the user profile includes the historical data:
• identifying a user behavior based best offer from the offers of considerations for the at least one product of the one or more products, wherein the user behavior based best offer is determined by a user behavior model based on the historical data from the user profile and the offer data;
• and
• enabling payments for the user's purchase by selecting the payment modes based at least one of the user behavior based best offer and the savings based best offer.

A non-transitory processor-readable storage medium comprising machine-readable instructions that cause a processor to:

• extract metadata from an invoice including details of a user's purchase, wherein the metadata extracted from the invoice includes at least a listing of one or more products purchased by the user and corresponding prices of the one or more products;
• retrieve user data pertaining to one or more payment modes associated with a user profile, wherein the one or more payment modes are used to pay for the user's purchase;
• access offer data including offers of considerations for the one or more products corresponding to the one or more payment modes, the considerations to be received by the user in response to paying for the product with the corresponding payment mode of the one or more payment modes;
• identify a savings based best offer from the offers of considerations for at least one product of the one or more products, wherein the savings based best offer is identified by a savings oriented model that causes an output of a mix and match model to be processed by a dynamic decision tree structure model based on the offer data;
• determine if the user profile has historical data related to prior user selections of offers and payment modes;
• if the user profile includes the historical data:
• identify a user behavior based best offer from the offers of considerations for the at least one product of the one or more products, wherein the user behavior based best offer is determined by a user behavior model based on the historical data from the user profile and the offer data;
• and
• enable payments for the user's purchase by selecting the payment modes based at least on one of the user behavior based best offer and the savings based best offer.