1. A system comprising: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising: in response to receiving an user input search information in connection with an item of interest of the user, determining, with data from an entity database, a service provider offering the item for an advertised cost; accessing, from a transaction database, historical data associated with a historical transaction of the item; determining, from analyzing the historical data, a projected cost of the item; determining a projected cost discrepancy for the items based on the projected cost and the advertised cost; transmitting the projected cost discrepancy to a user interface application of an user device to cause a graphical user interface to display the projected cost discrepancy; processing, in response to an actual cost discrepancy, an intermediate transaction, using funds from an user account maintained by an account database, to cover the actual cost discrepancy; and updating the historical data of the transaction database in response to the actual cost discrepancy.