Programmed servers with associated data structures to track and manage user-related activity data

Abstract

At least some embodiments of the present disclosure are directed to an exemplary method comprising transferring, via a batch processing operation, real-time user-related activity data of a user from a cache memory storage of a transaction account issuer into a datastore of the transaction account issuer; retrieving additional real-time user-related activity data from the cache memory storage of the transaction account issuer; determining that the additional real-time user-related activity data specifies an event corresponding to a first fixed activity plan agreed to by the user after the batch processing operation; decreasing a maximum limit on a number allowance for the fixed activity plans based at least in part on the event specified in the additional real-time user-related activity data; and determining that the user is eligible for a second fixed activity plan under the decreased maximum limit on the number allowance.

What is claimed is: 
     
         1 . A method comprising:
 transferring, by an application server of a transaction account issuer, via a batch processing operation, real-time user-related activity data of a user from a cache memory storage of the transaction account issuer into a datastore of the transaction account issuer;   retrieving, by the application server of the transaction account issuer, additional real-time user-related activity data from the cache memory storage of the transaction account issuer;   determining, by the application server of the transaction account issuer, that the additional real-time user-related activity data specifies an event corresponding to a first fixed activity plan agreed to by the user after the batch processing operation;   decreasing, by the application server of the transaction account issuer, a maximum limit on a number allowance for the fixed activity plans based at least in part on the event specified in the additional real-time user-related activity data;   determining, by the application server of the transaction account issuer, that the user is eligible for a second fixed activity plan under the decreased maximum limit on the number allowance; and   causing, by the application server of the transaction account issuer, the second fixed activity plan to be displayed on a screen of a computing device associated with the user.   
     
     
         2 . The method of  claim 1 , further comprising calculating, in real-time, by the application server of the transaction account issuer, a monthly fixed fee minimum amount due for the first fixed activity plan based at least in part on an amount of a payment plan for the first fixed activity plan and a number of months of the payment plan for the first fixed activity plan. 
     
     
         3 . The method of  claim 2 , further comprising:
 calculating, in real-time, by the application server of the transaction account issuer, a minimum amount due for a transaction account of the user based at least in part on a revolving APR minimum amount due and a fixed fee minimum amount due for the first fixed activity plan;   and communicating, in real-time, by the application server of the transaction account issuer to the computing device associated with the user, software instructions for displaying a graphical user interface (GUI), the GUI comprising a display of the minimum amount due for the transaction account in association with the payment plan for the first fixed activity plan.   
     
     
         4 . The method of  claim 2 , further comprising:
 calculating, in real-time, by the application server of the transaction account issuer, a fixed fee minimum amount due for the first fixed activity plan;   receiving, in real-time, by the application server of the transaction account issuer, a payment to a transaction account of the user, wherein the payment is equal to or greater than a sum of a revolving APR balance and the fixed fee minimum amount due for the first fixed activity plan; and   revolving, in real-time, by the application server of the transaction account issuer, a remaining balance of the transaction account without charging an APR finance charge to the transaction account.   
     
     
         5 . The method of  claim 2 , further comprising determining, in real-time, by the application server of the transaction account issuer, a duration for the payment plan, the duration comprising intervals corresponding to a frequency of transactions. 
     
     
         6 . The method of  claim 1 , further comprising determining, by the application server of the transaction account issuer, whether a transaction of the user is eligible for the second fixed activity plan. 
     
     
         7 . The method of  claim 6 , wherein the transaction is determined to be not eligible when a number of transactions previously assigned to the second fixed activity plan meets a predefined limit. 
     
     
         8 . A system comprising:
 at least one application server of a transaction account issuer;   at least one cache memory storage of the transaction account issuer;   a datastore of the transaction account issuer; and   wherein the at least one application server of the transaction account issuer is at least configured to:
 transfer, via a batch processing operation, real-time user-related activity data of a user from a cache memory storage of the transaction account issuer into a datastore of the transaction account issuer; 
 retrieve additional real-time user-related activity data from the cache memory storage of the transaction account issuer; 
 determine that the additional real-time user-related activity data specifies an event corresponding to a first fixed activity plan agreed to by the user after the batch processing operation; 
 decrease a maximum limit on a number allowance for the fixed activity plans based at least in part on the event specified in the additional real-time user-related activity data; 
 determine that the user is eligible for a second fixed activity plan under the decreased maximum limit on the number allowance; and 
 cause the second fixed activity plan to be displayed on a screen of a computing device associated with the user. 
   
     
     
         9 . The system of  claim 8 , wherein the at least one application server of the transaction account issuer is further configured to calculate, in real-time, by the application server of the transaction account issuer, a monthly fixed fee minimum amount due for the first fixed activity plan based at least in part on an amount of a payment plan for the first fixed activity plan and a number of months of the payment plan for the first fixed activity plan. 
     
     
         10 . The system of  claim 9 , wherein the at least one application server of the transaction account issuer is further configured to:
 calculate, in real-time, by the application server of the transaction account issuer, a minimum amount due for a transaction account of the user based at least in part on a revolving APR minimum amount due and a fixed fee minimum amount due for the first fixed activity plan; and   communicate, in real-time, by the application server of the transaction account issuer to the computing device associated with the user, software instructions for displaying a graphical user interface (GUI), the GUI comprising a display of the minimum amount due for the transaction account in association with the payment plan for the first fixed activity plan.   
     
     
         11 . The system of  claim 9 , wherein the at least one application server of the transaction account issuer is further configured to:
 calculate a fixed fee minimum amount due for the first fixed activity plan;   receive a payment to a transaction account of the user, wherein the payment is equal to or greater than a sum of a revolving APR balance and the fixed fee minimum amount due for the first fixed activity plan; and   revolve, in real-time, a remaining balance of the transaction account without charging an APR finance charge to the transaction account.   
     
     
         12 . The system of  claim 9 , wherein the at least one application server of the transaction account issuer is further configured to determine, in real-time, a duration for payment plan, the duration comprising intervals corresponding to a frequency of transactions. 
     
     
         13 . The system of  claim 8 , wherein the at least one application server of the transaction account issuer is further configured to determine whether a transaction of the user is eligible for the second fixed activity plan. 
     
     
         14 . The system of  claim 8 , wherein the transaction is determined to be not eligible when a number of transactions previously assigned to the second fixed activity plan meets a predefined limit. 
     
     
         15 . A non-transitory computer readable storage medium storing software thereon, the software comprising instructions configured to cause at least one processor of at least one computer to perform steps comprising:
 transferring via a batch processing operation of a transaction account issuer, real-time user-related activity data of a user from a cache memory storage of the transaction account issuer into a datastore of the transaction account issuer;   retrieving additional real-time user-related activity data from the cache memory storage of the transaction account issuer;   determining that the additional real-time user-related activity data specifies an event corresponding to a first fixed activity plan agreed to by the user after the batch processing operation;   decreasing a maximum limit on a number allowance for the fixed activity plans based at least in part on the event specified in the additional real-time user-related activity data;   determining that the user is eligible for a second fixed activity plan under the decreased maximum limit on the number allowance; and   causing the second fixed activity plan to be displayed on a screen of a computing device associated with the user.   
     
     
         16 . The non-transitory computer readable storage medium of  claim 15 , wherein the instructions further cause the at least one processor of the at least one computer to calculate, in real-time, a monthly fixed fee minimum amount due for the first fixed activity plan based at least in part on an amount of a payment plan for the first fixed activity plan and a number of months of the payment plan for the first fixed activity plan. 
     
     
         17 . The non-transitory computer readable storage medium of  claim 16 , wherein the instructions further cause the at least one processor of the at least one computer to:
 calculate, in real-time, a minimum amount due for a transaction account of the user based at least in part on a revolving APR minimum amount due and a fixed fee minimum amount due for the first fixed activity plan; and   communicate, in real-time to the computing device associated with the user, software instructions for displaying a graphical user interface (GUI), the GUI comprising a display of the minimum amount due for the transaction account in association with the payment plan for the first fixed activity plan.   
     
     
         18 . The non-transitory computer readable storage medium of  claim 16 , wherein the instructions further cause the at least one processor of the at least one computer to:
 calculate, in real-time, a fixed fee minimum amount due for the first fixed activity plan;   receive, in real-time, a payment to a transaction account of the user, wherein the payment is equal to or greater than a sum of a revolving APR balance and the fixed fee minimum amount due for the first fixed activity plan; and   revolve, in real-time, a remaining balance of the transaction account without charging an APR finance charge to the transaction account.   
     
     
         19 . The non-transitory computer readable storage medium of  claim 16 , wherein the instructions further cause the at least one processor of the at least one computer to determine, in real-time, a duration for the payment plan, the duration comprising intervals corresponding to a frequency of transactions. 
     
     
         20 . The non-transitory computer readable storage medium of  claim 15 , wherein the instructions further cause the at least one processor of the at least one computer to determine whether a transaction of the user is eligible for the second fixed activity plan, wherein the transaction is determined to be not eligible when a number of transactions previously assigned to the second fixed activity plan meets a predefined limit.