| CPC G06Q 20/29 (2013.01) [G06Q 20/389 (2013.01); G06Q 20/401 (2013.01)] | 10 Claims |
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1. A computer-implemented method for use in extending installment options to users, the method comprising:
in response to an authentication response (ARes), for a transaction, from a directory server consistent with an EMV 3DS protocol, accessing, by a communication device, via a web browser of the communication device, a web page associated with an issuer of a payment account at a web page address included in the ARes, the web page including a software development kit (SDK) of an installment service provider (ISP);
receiving, by the communication device, an authentication challenge to a user for the transaction in the web page, issued from an access control server (ACS) of the issuer of the payment account and associated with the transaction, the authentication challenge consistent with the EMV 3DS protocol;
as part of the authentication challenge for the transaction:
requesting, by the communication device, via the SDK, one or more installment options from the ISP for funding the transaction, based on an identifier specific to a first party involved in the transaction and a transaction amount;
receiving, by the communication device, the one or more installment options for funding the transaction;
displaying, by the communication device, as part of the web page, via the web browser of the communication device, the one or more installment options along with a name of the first party, each of the one or more installment options including an installment amount and an indication of a number of payments;
soliciting, from the user, by the communication device, a selection of the one or more installment options displayed at the communication device; and
in response to the selection by the user, at the web page, identifying, by the communication device, a selected one of the one or more installment options to the ISP, whereby the ISP records the selected one of the one or more installment options as payment for the transaction;
soliciting, from the user, by the communication device, a challenge response for the authentication challenge consistent with the EMV 3DS protocol; and
in response to the challenge response from the user, communicating, by the communication device, via the web page, the challenge response to the issuer, whereby the user is authenticated and the transaction is then authorized and funded by the selected one of the one or more installment options, in lieu of the payment account.
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