1. A system for settling a transaction, comprising: a server configured to receive communications from a user, the server further configured to seek available information pertinent to the transaction from at least one source external to the server and user, the server comprising: a rules based engine including rules established on behalf of a party to the transaction, the rules based engine configured to process data from the available information and present a transaction settlement offer set to the user based on at least one decision made by the rules based engine.