Systems and methods for presenting a value added offer during credential authentication

A system comprising:

• a processor in a merchant server;
• and
• a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
• receiving, by the processor and via a first access point, a first purchase request for a full purchase amount from a computing device of an account holder using an account;
• confirming, by the processor, an enrollment of the account in a verification system in response to the first purchase request, the verification system being configured to request a security credential from the account holder when the account holder selects the account for use and the account is enrolled;
• transmitting, by the processor, in response to the confirming the enrollment of the account in the verification system, a first authorization request for a first authorization of the full purchase amount to an issuer system that issued the account;
• receiving, by the processor, in response to a first approval of the first authorization:
• a uniform resource locator (URL) that accesses a second access point, and
• a status indicator of the confirming of the enrollment;
• causing, by the processor, a display of the second access point on the computing device of the account holder, wherein the account holder interacts directly with the issuer system via the second access point,
• wherein the second access point displays a password interface for entering the security credential, the password interface further including an offer for a discount amount with the first purchase request and provided by the issuer system,
• wherein the second access point receives:
• the security credential for authenticating the account holder for the account, and
• a selection of the offer to indicate that the account holder accepts the offer associated with the first purchase request via the password interface;
• receiving, by the processor, a notification of the discount amount from the issuer system;
• transmitting, by the processor, a second authorization request for a second authorization for a reduced purchase amount,
• wherein the reduced purchase amount is the full purchase amount minus the discount amount;
• receiving, by the processor, a second approval of the second authorization;
• and
• providing, by the processor, the reduced purchase amount to the account holder.

A non-transitory computer-readable medium storing instructions executable in a processor, wherein when executed the instructions cause the processor to at least:

• receive, via a first access point, a first purchase request for a full purchase amount from a computing device of an account holder using an account;
• confirm an enrollment of the account in a verification system in response to the first purchase request, the verification system being configured to request a security credential from the account holder when the account holder selects the account for use and the account is enrolled;
• transmit, in response to the confirming the enrollment of the account in the verification system, a first authorization request for a first authorization of the full purchase amount to an issuer system that issued the account;
• receive, in response to a first approval of the first authorization, a uniform resource locator (URL) that accesses a second access point and a status indicator of the confirming of the enrollment;
• cause a display of the second access point on the computing device of the account holder, wherein the account holder interacts directly with the issuer system via the second access point,
• wherein the second access point displays a password interface for entering the security credential, the password interface further including an offer for a discount amount with the first purchase request and provided by the issuer system,
• wherein the second access point receives the security credential for authenticating the account holder for the account and a selection of the offer to indicate that the account holder accepts the offer associated with the first purchase request via the password interface;
• receive a notification of the discount amount from the issuer system;
• transmit a second authorization request for a second authorization for a reduced purchase amount,
• wherein the reduced purchase amount is the full purchase amount minus the discount amount;
• receive a second approval of the second authorization;
• and
• provide the reduced purchase amount to the account holder.