Systems and methods for providing a separate interest rate for an individual transaction

1. A system for providing a service associated with an account having an account balance and an associated first interest rate, comprising:

one or more memory devices storing instructions; and

one or more processors configured to execute the instructions to perform operations comprising:

receiving information indicating that a user is in a process of completing an online transaction occurring at a client device associated with the user;

determining whether the online transaction meets automatic offer activation criteria for providing a separate interest rate service offer;

based on a result of the determination that the online transaction meets the automatic offer activation criteria:

providing to the client device a notification for display in a user interface in the client device, the notification identifying the separate interest rate service offer available for application to the online transaction; and

providing to the client device a list of previously-completed transactions for display in the user interface;

receiving a separate interest rate selection from the client device, the separate interest rate selection comprising:

an indication of an acceptance by the user to apply the separate interest rate service offer to the online transaction, and

a selection of a first one of the previously-completed transactions to apply the separate interest rate service offer in response to user input via the user interface;

determining, by the one or more processors, a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the associated first interest rate, is to be applied based on the separate interest rate selection; and

generating a first data structure for the selected portion of account balance and a second data structure for the remainder of the account balance, the first data structure being different from the second data structure.

2. The system of claim 1 , wherein determining the selected portion of the account balance comprises determining an amount of the first previously-completed transaction.

3. The system of claim 1 , wherein

the operations further comprise:

determining that transaction information relating to a second of the previously-completed transactions satisfies the automatic offer activation criteria.

4. The system of claim 3 , wherein the automatic offer activation criteria includes a merchant at which transactions automatically qualify for the separate interest rate service.

5. The system of claim 1 , wherein providing the notification identifying the separate interest rate service offer comprises providing terms associated with the separate interest rate service offer.

6. The system of claim 5 , wherein the terms comprise identification of the second interest rate and a period of time that the second interest rate would apply.

7. The system of claim 5 , wherein the terms comprise criteria for a transaction to be eligible for the separate interest rate service.

8. The system of claim 1 , wherein:

a remainder portion of the account balance is a first account balance and the selected portion is a second account balance, and

the operations further comprise:

applying the associated first interest rate to the first account balance; and

applying the second interest rate to the second account balance.

9. The system of claim 8 , wherein the operations further comprise providing a grace period benefit based on a state of the first account balance.

10. The system of claim 8 , wherein the second interest rate is 0%.

11. The system of claim 8 , wherein the operations further comprise exempting the second account balance from a determination of available credit associated with the account.

12. A computer-implemented method for providing a service associated with an account having an account balance and an associated first interest rate, comprising:

receiving, at a service device, information indicating that a user is in a process of completing an online transaction occurring at a client device;

determining whether the online transaction meets automatic offer activation criteria for providing a separate interest rate service offer;

based on a result of the determination that the online transaction meets the automatic offer activation criteria:

providing to the client device a notification for display in a user interface in the client device, the notification identifying the separate interest rate service offer available for application to the online transaction; and

providing to the client device a list of previously-completed transactions for display in the user interface in the client device;

receiving a separate interest rate selection from the client device, the separate interest rate selection comprising:

an indication of an acceptance by the user to apply the separate interest rate service offer to the online transaction, and

a selection of one of the previously-completed transactions to apply the separate interest rate service offer in response to user input via the user interface;

providing, from the service device, the separate interest rate service offer to a client device;

receiving, at the service device, the online transaction from the client device;

determining, by the service device, a selected portion of the account balance based on an amount of the online transaction and an amount of the selected previously-completed transaction, wherein a remainder portion of the account balance is a first balance and the selected portion is a second balance;

applying the associated first interest rate to the first balance;

applying a second interest rate to the second balance; and

generating a first data structure for the first balance and a second data structure for the second balance, the first data structure being different from the second data structure.

13. The computer-implemented method of claim 12 , further comprising determining that a customer is eligible for the separate interest rate service offer.

14. The computer-implemented method of claim 12 , further comprising providing a grace period benefit based on a state of the first balance.

15. The computer-implemented method of claim 12 , wherein the second interest rate is 0%.

16. A computing device for configuring a financial account having an account balance and an associated first interest rate, comprising:

one or more memory devices storing software instructions;

a user interface; and

one or more processors configured to execute the software instructions to perform operations comprising:

detecting that a user is in a process of completing an online transaction occurring at the computing device;

transmitting, to a service device, information relating to the detection;

receiving, from the service device, a notification for display in the user interface in response to a determination by the service device that the online transaction meets automatic offer activation criteria for providing a separate interest rate service offer, the notification identifying the separate interest rate service offer available for application to the online transaction;

providing, by the user interface, the notification and a list of previously-completed transactions;

receiving, by the user interface, input by the user indicating:

an acceptance by the user to apply the separate interest rate service offer to the online transaction, and

a selection of one of the previously-completed transactions to apply the separate interest rate service offer;

generating, based on the input by the user, a separate interest rate selection, the separate interest rate selection comprising the indication of the acceptance by the user to apply the separate interest rate service offer to the online transaction;

transmitting, to the service device, the separate interest rate selection to the service device, wherein the separate interest rate selection indicates an amount to which a second interest rate, different from the associated first interest rate, is to be applied by the service device; and

receiving, from the service device, account information associated with a first balance to which the first interest rate is to be applied by the service device, the account information associated with the first account balance is determined based on a first data structure stored in the service device; and

receiving, from the service device, account information associated with a second balance to which the second interest rate is to be applied by the service device, the account information associated with the second balance is determined based on a second data structure stored in the service device, the first data structure being different from the second data structure.

17. The computing device of claim 16 , wherein the operations further comprise providing, by the user interface, information associated with the separate interest rate service offer.

18. The computing device of claim 17 , wherein the information associated with the separate interest rate service offer includes: the second interest rate, a period of time that the second interest rate would apply, and criteria for a transaction to be eligible for the separate interest rate service.

19. The computing device of claim 17 , wherein the information associated with the separate interest rate service offer includes activation information that indicates how to activate the separate interest rate service.