Dynamic customized incentives for installment payment plans

A method for dynamic installment payment plan incentives, the method comprising:

• receiving a request for an installment payment plan incentive customized for a user in real-time from a requester via a network, the request associated with a transaction to purchase an item or service from a merchant:
• applying a set of user-configured rules to transaction data associated with the user and the transaction, the set of user-configured rules comprising a set of user-configured incentives criteria associated with the merchant or a lender:
• generating dynamic incentives associated with the installment payment plan based on application of the set of user-configured rules to the transaction data, the dynamic incentives customized to the user:
• calculating a score for each of the dynamic incentives, the score associated with each dynamic incentive indicating a priority associated with that dynamic incentive;
• selecting a dynamic incentive associated with a highest score for presentation to the user;
• and
• transmitting the selected dynamic incentive to the requester, wherein the requester provides an offer to the user via a user interface device for acceptance or rejection, the offer comprising the installment payment plan and the dynamic incentive customized for the user in real-time during the transaction.

A computer storage medium having computer-executable instructions that, upon execution by a processor of a computer, cause the processor to at least:

• obtain a request for a dynamic incentive for an installment payment plan customized for a user in real-time during a transaction, the request including payment card data associated with a payment card presented by the user;
• analyze transaction data associated with the transaction using a set of user-configured rules, the set of user-configured rules comprising at least one of a merchant preference or at least one payment card category criteria associated with the payment card presented by the user, the transaction data comprising at least one of dynamic market trends data or user transaction history data;
• and
• generate a dynamic incentive associated with the installment payment plan based on application of the set of user-configured rules to the transaction data, wherein an offer is presented to the user via a user interface device for acceptance or rejection, the offer comprising the installment payment plan and the dynamic incentive customized for the user.