Disclosed are systems, computer-implemented methods, and tangible computer-readable storage media for conducting sales. The method embodiment receives a time agnostic inquiry with at least one parameter from a user associated with a sale of an item, identifies one or more discount items that satisfy the inquiry, identifies comparable items for each discount item at nondiscount rates dynamically using real-time data, presents one or more comparable groups, each comparable group including one discount item and the respective comparable items, and furthers the sales process based on user input responding to the presented one or more comparable groups. Also disclosed is a method further including receiving a request from the user for multiple sub-items associated with the item, and engaging in a dialog with the user to enable payment for each of the sub-items with one of multiple payment types. The user can indicate a set of personalized comparable items.