Automatic digital personal assistant interjection for delaying data exchange outcomes

A non-transitory, computer-readable medium storing computer-readable instructions executable by a computer and configured to:

• detect an attempted purchase transaction initiated from a client device to an eCommerce website, wherein detection occurs prior to completion of the attempted purchase transaction, the attempted purchase transaction including a set of information defining the attempted purchase transaction, and the attempted purchase transaction is associated with a particular user profile;
• transmit, via a communications module, a first signal including at least a portion of the set of information defining the attempted purchase transaction to an analysis financial system for execution of a financial analytical analysis of the particular user profile based on the attempted purchase transaction, the set of information defining the attempted purchase transaction, and a status of the particular user profile;
• initiate, by a delay process executing on the client device and prior to the attempted purchase transaction being transmitted to the eCommerce website, a hold state associated with the attempted purchase transaction, the hold state initiated in response to detecting the attempted purchase transaction at the client device, wherein the hold state is maintained for at least a period of time until after a result associated with the financial analytical analysis of the particular user profile based on the attempted purchase transaction and user profile-specific analysis is received;
• receive, via the communications module, a second signal including a result associated with the financial analytical analysis of the particular user profile based on the attempted purchase transaction and the user profile-specific analysis, wherein the attempted purchase transaction is automatically canceled in response to a determination that the attempted purchase transaction is associated with a negative financial impact above a predetermined threshold;
• in response to receiving the result, present, on a display and in an interface, a request for confirmation of whether to proceed with the attempted purchase transaction;
• and
• in response to receiving user input associated with a cancellation of the attempted purchase transaction or in response to receiving no user input associated with the confirmation of the attempted purchase transaction after a predetermined period of time, cancel the attempted purchase transaction.

A computerized method performed by one or more processors, the method comprising:

• detecting an attempted purchase transaction initiated from a client device to an eCommerce website, wherein detection occurs prior to completion of the attempted purchase transaction, the attempted purchase transaction including a set of information defining the attempted purchase transaction, and the attempted purchase transaction is associated with a particular user profile;
• transmitting, via a communications module, a first signal including at least a portion of the set of information defining the attempted purchase transaction to an analysis financial system for execution of a financial analytical analysis of the particular user profile based on the attempted purchase transaction, the set of information defining the attempted purchase transaction, and a status of the particular user profile, the financial analytical analysis comprising a comparison of potential impact with one or more negative thresholds;
• initiating, by a delay process executing on the client device and prior to the attempted purchase transaction being transmitted to the eCommerce website, a hold state associated with the attempted purchase transaction, the hold state initiated in response to detecting the attempted purchase transaction at the client device, wherein the hold state is maintained for at least a period of time until after a result associated with the financial analytical analysis of the particular user profile based on the attempted purchase transaction and user profile-specific analysis is received;
• receiving, via the communications module, a second signal including a result associated with the financial analytical analysis of the particular user profile based on the attempted purchase transaction and the user profile-specific analysis;
• in response to receiving the result, displaying on an interface a request for confirmation of whether to proceed with the attempted purchase transaction;
• and
• in response to receiving user input associated with a cancellation of the attempted purchase transaction or in response to receiving no user input associated with the confirmation of the attempted purchase transaction after a predetermined period of time, cancelling the attempted purchase transaction.