| CPC G06Q 20/102 (2013.01) [G06Q 20/108 (2013.01); G06Q 20/405 (2013.01); G06Q 40/03 (2023.01)] | 19 Claims |
|
1. An apparatus for managing communications associated with processing a customer transaction, the apparatus comprising processing circuitry configured to:
communicate, from a server, instructions for storing a first set of code defining a client application executable at a client device of a customer and storing a second set of code defining a card manager at the client device, the client application executing the first set of code to generate a user interface at the client device for interacting with a service application at the apparatus responsive to executing the first set of code;
receive, at the server and via the client application, profile information for defining an account for the customer;
receive, at the server and via the client application, a request for a virtual or physical payment card in association with the account;
receive, at the server and from the card manager, an initial mode selection from a mode selection screen generated by the client application at the client device, the initial mode selection defining a processing mode for future transactions;
receive, at the server, an indication of a transaction between the customer and a vendor, the transaction being initiated via the payment card;
check, at the server, an account status of a primary account of the customer at a customer bank;
determine, at the server and within a predetermined time of the indication, whether to accept or decline the transaction based on the account status;
in response to the transaction being accepted, authorize, at the server, a transfer of funds to the vendor and process the transaction according to the initial mode selection; and
define, at the server, a deferment period after the transaction during which the customer, by login via the client application and using the card manager, accesses the transaction to display via the card manager at the client device and through the client application, a change mode button, a check promotion button, and a convert transactions button that, when selected, further causes display of the transaction within a list of transactions to enable selection of the transaction to generate a first selectable graphical display element defining a first option to settle the transaction immediately and a second selectable graphical display element defining a second option to defer settlement of the transaction by processing the transaction as an installment loan,
wherein the change mode button is selected by the customer to change from the initial mode selection to a different processing mode for a subsequent transaction,
wherein the check promotion button is selected to review one or more promotions for which the customer is eligible as determined by the server, and
wherein a promotion notification is displayed simultaneously with the change mode button, the check promotion button, and the convert transactions button to indicate that the transaction qualifies for at least one promotion accessible by selection of the check promotion button.
|