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 |
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.
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