Patent ID: 8682757

Claim:
A nontransitory computer-readable medium having computer program code recorded thereon that, when executed by a processor, causes the processor to perform operations comprising: receiving information from a merchant, wherein the information corresponds to a financial transaction between a purchaser and a merchant, wherein the purchaser uses a payment vehicle authorized by a transaction account provider; determining if the financial transaction is qualified for adjusted financing terms, based on receiving or accessing an amount of the financial transaction, status of enrollment by the merchant and an enrollment status of the purchaser; charging the purchaser, using a single billing statement generated by the transaction account provider, for the financial transaction according to standard financing terms in response to the determination that the financial transaction is not qualified for the adjusted financing terms; charging the purchaser, using the single billing statement generated by the transaction account provider, for the financial transaction according to the adjusted financing terms in response to the determination that the financial transaction is qualified for the adjusted financing terms; using only one single network, and a same set of components within the only one single network, to complete processing of a payment for the financial transaction from the transaction account provider to the merchant for a standard financial transaction and a qualified financial transaction; and transmitting the payment to the merchant.