| 摘要 |
Aspects of the subject disclosure may include, for example, obtaining user data of a user, receiving a group of offers for products, analyzing the user data to generate purchase criteria, selecting an offer for a product from among the group of offers for the products according to the purchase criteria, negotiating a purchase of the product according to the purchase criteria, determining a recommendation associated with the purchase of the product based on the negotiating, presenting the recommendation, obtaining an authorization for the purchase of the product in response to the recommendation, and communicating with a server to complete a purchase transaction for the product in response to the authorization. Other embodiments are disclosed. |
| 主权项 |
1. A method comprising:
obtaining, by a communication device of a user that includes a processor, user data of the user, wherein the user data comprises financial information of the user, user preferences of the user, and a history of purchase transactions of the user; receiving, by the communication device from a server of a merchant, a group of offers for products; analyzing, by the communication device, the user data to generate purchase criteria; selecting, by the communication device, an offer for a product from among the group of offers for the products according to the purchase criteria; negotiating, by the communication device with the server via an exchange of communications, a purchase of the product, wherein the negotiating by the communication device is according to the purchase criteria; determining, by the communication device, a recommendation associated with the purchase of the product based on the negotiating; presenting, by the communication device, the recommendation; obtaining, by the communication device, an authorization for the purchase of the product in response to the recommendation; and communicating, by the communication device with the server, to complete a purchase transaction for the product in response to the authorization. |
