Systems and methods for blocking credit card charges

A computer-implemented method for blocking merchant charges to a payment account of a user, the method comprising:

• receiving, from a user device, a dispute request of a charge by a merchant to the payment account;
• identifying the merchant associated with the dispute request;
• in response to the dispute request, determining whether to block subsequent charges applied by the merchant to the payment account based on a history of charging activities of the merchant;
• providing instructions to the user device to display an application interface for the user to accept or decline blocking subsequent charges by the merchant;
• receiving, via the user device, the user's input to accept blocking subsequent charges by the merchant;
• responsive to the receipt of the user's input to block subsequent charges, adding the merchant to a block-charge list associated with the payment account;
• receiving a transaction authorization request to charge the payment account;
• determining whether the merchant on the block-charge list initiated the transaction authorization request;
• and
• responsive to the determination that the merchant on the block-charge list initiated the transaction authorization request, declining the transaction authorization request.

A non-transitory computer-readable medium storing instructions executable by a processor to cause the processor to perform operations for blocking merchant charges to a payment account of a user, the operations comprising:

• receiving, from a user device, a dispute request of a charge by a merchant to the payment account;
• identifying the merchant associated with the dispute request;
• in response to the dispute request, determining whether to block subsequent charges applied by the merchant to the payment account based on a history of charging activities of the merchant;
• providing instructions to the user device to display an application interface for the user to accept or decline blocking subsequent charges by the merchant;
• receiving, via the user device, the user's input to accept blocking subsequent charges by the merchant;
• responsive to the determination to block subsequent charges, adding the merchant to a block-charge list associated with the payment account;
• receiving a transaction authorization request to charge the payment account;
• determining whether the merchant on the block-charge list initiated the transaction authorization request;
• and
• responsive to the receipt of the user's input that the merchant on the block-charge list initiated the transaction authorization request, declining the transaction authorization request.