Methods and systems for processing debit installments are disclosed. The system includes receiving an authorization request and instalment plan for processing an instalment transaction associated with a debit account. The request may be received from a payment network managed by VISA or other entities. The system validates credit limits associated with the debit account for approving the authorization request. The system approves the authorization request based on the validation of credit limits and analyzes the instalment plan on approval of authorization request. The system further generates loan ledgers, repayment schedules and recovery transactions based on the analysis of instalment plan.
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THOMAS, AMAL JOSE; ODNOROG, GALYNA; NAGA, HARSHA SATHYANARAYANA; MENON, PRASAD VASUDEVAN; and WILLIAMS, OTTO, "METHOD AND SYSTEM FOR PROCESSING INSTALLMENTS ON DEBIT ACCOUNTS", Technical Disclosure Commons, (November 14, 2023)