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

A computing device for maintaining data structures for transaction data, comprising:

• one or more memory devices storing software instructions;
• and
• a processor configured to, when executing the software instructions, perform operations comprising:
• maintaining a first data structure comprising first data relating to a plurality of transactions associated with a financial account, the first data comprising first information indicating that the financial account is associated with a first interest rate;
• providing, to a device of a user, second information identifying the plurality of transactions for display for display in a user interface at the user device;
• receiving, via the user device, a selection of one of the plurality of transactions;
• generating a second data structure different from the first data structure, the second data structure comprising second data associated with the selected transaction, the second data comprising third information indicating that the selected transaction is associated with a finance charge different from the first interest rate;
• updating the first data structure in response to the received selection;
• and
• providing, to the user device, a confirmation that the finance charge has been applied to the selected transaction.

A computer-implemented method, comprising:

• receiving, from a financial services system, data relating to an offer for providing a financial service relating to a financial account;
• causing a display to present, in a user interface, transaction information identifying a plurality of transactions associated with the financial account and with a first interest rate;
• receiving, via an input device, user input relating to a selection one of the plurality of transactions;
• transmitting, to the financial services system, data relating to the selected transaction;
• and
• receiving, from the financial services systems, a confirmation that a finance charge has been applied to the selected transaction.

A computer-implemented method for maintaining data structures for transaction data, comprising:

• maintaining a first data structure comprising first data relating to a plurality of transactions associated with a financial account, the first data comprising information indicating that the financial account is associated with a first interest rate;
• providing, to a user device, information identifying the plurality of transactions for display in a user interface at the user device;
• receiving, via the user device, a selection of one of the plurality of transactions;
• generating a second data structure different from the first data structure, the second data structure comprising second data associated with the selected transaction, the second data comprising information indicating that the selected transaction is associated with a finance charge calculated from a second interest rate different from the first interest rate;
• updating the first data structure in response to the received selection;
• and
• providing, to the user device, a confirmation that the finance charge has been applied to the selected transaction.