Secure modal based digital installments

An account security system comprising:

• memory;
• and
• one or more processors coupled to the memory and configured to perform operations including:
• authenticating, by the account security system, a merchant system using data describing the merchant system;
• generating, by the account security system, a client token using transaction information for a secure transaction and the data describing the merchant system;
• transmitting, by the account security system, the client token, wherein when the client token is received at a client device, the client token is used by the client device to verify the merchant system as validated for the secure transaction;
• receiving, by the account security system, an account communication associated with the secure transaction, the account communication including the client token and client information, wherein the client information is not received from the merchant system;
• processing the transaction information and the client information using a dynamic decision algorithm to identify a plurality of installment offers for the secure transaction, wherein the plurality of installment offers are determined based on the transaction information;
• receiving an installment payment communication associated with the secure transaction wherein the installment payment communication is not received from the merchant system;
• tracking payments for the secure transaction and subsequent transactions associated with the secure transaction as new historical data;
• and
• updating the dynamic decision algorithm using the new historical data.

A non-transitory computer-readable storage medium comprising instructions that, when executed by one or more processors of an account security system cause the account security system to perform operations including:

• authenticating, by the account security system, a merchant system using data describing the merchant system;
• generating, by the account security system, a client token using transaction information for a secure transaction and the data describing the merchant system;
• transmitting, by the account security system, the client token, wherein when the client token is received at a client device, the client token is used by the client device to verify the merchant system as validated for the secure transaction;
• receiving, by the account security system, an account communication associated with the secure transaction, the account communication including the client token and client information, wherein the client information is not received from the merchant system;
• processing the transaction information and the client information using a dynamic decision algorithm to identify a plurality of installment offers for the secure transaction, wherein the plurality of installment offers are determined based on the transaction information;
• receiving an installment payment communication associated with the secure transaction wherein the installment payment communication is not received from the merchant system;
• tracking payments for the secure transaction and subsequent transactions associated with the secure transaction as new historical data;
• and
• updating the dynamic decision algorithm using the new historical data.