公开(公告)号：US20240054473A1

公开(公告)日：2024-02-15

申请号：US17888346

申请日：2022-08-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Stephen Bongner ,  Rahul Churiwala ,  Kevin Dorfer ,  Shelby Archer ,  Lingxin Zhao

IPC: G06Q20/24 ,  H04L9/32 ,  G06Q40/02

CPC classification number: G06Q20/24 ,  H04L9/3239 ,  G06Q40/025

Abstract: Systems and methods are provided for use in providing users with options at points of interaction. One example method includes posting a record for an installment option to an immutable data structure, where the record includes a total amount, payment terms associated with multiple installments, a first hashed value associated with a first party, and an identifier of the first party. The method also includes receiving a request related to the record, where the request includes a secret and a second hashed value, and validating the request based on the secret and the first hashed value included in the immutable data structure. The method then includes, based on validation of the request, coordinating a fund transfer consistent with the request and updating the record included in the immutable data structure to include the second hashed value in association with the identifier of the first party.