3. The system of claim 2 , wherein the logic to identify user prior transaction information includes: logic to cause the processor to retrieve transaction information from one or more of a bank database, a merchant database, a credit card processor database, a check processor database, and a user computer.
2. The system of claim 1 , wherein the user context language model engine further includes: logic to cause the processor to associate the one or more key words with each of one or more types of products/services; logic to cause the processor to identify user prior transaction information associated with products/services for each of the one or more users; and logic to cause the processor to generate a user prior transaction vocabulary of words, for each of the one or more users, from the key words associated with the corresponding user prior transaction information.