Abstract: A method for servicing a co-funded installment includes: storing agreement data entries, each related to a co-funding agreement and including a merchant identifier, acquirer identifier, and one or more installment parameters; receiving a transaction message for a payment transaction, the transaction message including a specific merchant identifier, a specific acquirer identifier, and transaction data; identifying at least one agreement data entry where the included merchant identifier corresponds to the specific merchant identifier and where the included acquirer identifier corresponds to the specific acquirer identifier; identifying a plurality of installment terms based on the transaction data and the one or more installment parameters included in one of the at least one identified agreement data entries; and transmitting the identified plurality of installment terms.

Abstract: A method for periodic savings and usage via transaction controls includes: storing an account profile, the profile including a primary account number and account balance; receiving a saving request, the request including a period of time, periodic amount, total amount, and transaction criteria; storing a transaction control in the account profile that prevents usage of a saved amount of the account balance where the saved amount corresponds to the periodic amount; increasing the saved amount by the periodic amount after the period of time; repeating the increasing step until the saved amount is equal to or greater than the total amount; and updating the transaction control to prevent usage of the saved amount outside of a payment transaction in compliance with the one or more transaction criteria.