US 11,657,449 B2
Systems and methods for preventing unnecessary payments
Tyler Maiman, Melville, NY (US); Brendan Way, Brooklyn, NY (US); and Abdelkader Benkreira, Washington, DC (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jul. 14, 2021, as Appl. No. 17/375,022.
Prior Publication US 2023/0013908 A1, Jan. 19, 2023
Int. Cl. G06Q 40/02 (2023.01); G06Q 40/08 (2012.01); G06Q 50/14 (2012.01); H04W 4/021 (2018.01); G06Q 30/0226 (2023.01); G06N 20/00 (2019.01); G07C 9/00 (2020.01); G06Q 20/40 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 30/0226 (2013.01); G06Q 40/08 (2013.01); G06Q 50/14 (2013.01); H04W 4/021 (2013.01); G06N 20/00 (2019.01); G06Q 20/405 (2013.01); G07C 9/00 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A system for preventing unnecessary payments, comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive a signal indicative of a first event in which a first user device associated with a first user navigates to a webpage of a first merchant;
responsive to receiving the signal:
identify a merchant category code (MCC) associated with the first merchant;
determine whether one or more benefits related to the MCC are associated with one or more accounts of the first user;
responsive to determining one or more benefits related to the MCC are associated with the one or more accounts of the first user:
receive an attempted purchase associated with the first merchant;
determine whether the attempted purchase relates to the one or more benefits;
responsive to determining that the attempted purchase relates to the one or more benefits:
 modify a graphical user interface (GUI) of the first user device to generate a modified GUI by re-formatting one or more selectable user input objects in the GUI from a first format to a second format;
 cause the first user device to display the modified GUI;
 automatically block the attempted purchase related to the one or more benefits and associated with the first user; and
 transmit a message to the first user via the first user device, the message providing the one or more benefits.