Systems and methods for online payment transactions

A system comprising:

• a server configured to generate and manage an account associated with a first user profile and a second user profile, wherein the account comprises a shared budget associated with the first user profile and the second user profile;
• and
• a first client device associated with the first user profile, the first client device communicatively coupled to the server and configured to:
• execute an application configured to monitor a webpage displayed on a browser application of the first client device;
• determine, by the application, that the webpage displays a set of keywords associated with a payment transaction;
• dynamically render, by the application, a payment icon on the webpage associated with a payment company or bank associated with the first user profile and the second user profile based on the webpage displaying the set of keywords associated with the payment transaction;
• transmit a notification of an attempted purchase via the first client device, to a second client device associated with the second user profile;
• display a payment prompt comprising one or more payment data input fields associated with the account and one or more authentication data input fields based on an indication of an interaction with the payment icon;
• pre-fill the one or more payment data input fields with payment data associated with the payment, the account associated with the first user profile and the second user profile, or both;
• pre-populate, by the application, the one or more authentication data input fields with dynamic payment authentication data, wherein the dynamic payment authentication data comprises a card verification value (CVV) that is dynamically changed over predetermined time periods by providing different combinations of the CVV based on a predetermined time algorithm;
• receive an indication to cause the payment from the account associated with the first user profile and the second user profile;
• authenticate, by the application, the dynamic payment authentication data;
• and
• in response to authenticating the dynamic payment authentication data, cause the payment from the account associated with the first user profile and the second user profile to a recipient.

A tangible, non-transitory, machine-readable medium comprising machine-readable instructions, wherein the instructions are configured to cause at least one processor to:

• monitor a webpage displayed on a browser application by periodically executing a data scraping protocol, wherein the application is executed in a background while the application is operating on a first user device associated with a first user profile;
• determine, by the application, that the webpage displays a set of keywords associated with a payment transaction;
• dynamically render, by the application, a payment icon on the webpage associated with a payment company or bank associated with the first user profile and the second user profile based on the webpage displaying the set of keywords associated with the payment transaction;
• receive information related to an account associated with the first user profile and a second user profile;
• determine that the account associated with the first user profile and the second user profile comprises a shared budget;
• transmit a notification of an attempted purchase associated with the first user profile to a second client device associated with the second user profile;
• display a payment prompt comprising one or more payment data input fields associated with the account and one or more authentication data input fields based on an indication of an interaction with the payment icon;
• pre-fill the one or more payment data input fields with payment data associated with a payment, the account associated with the first user profile and the second user profile, or both;
• pre-populate, by the application, the one or more authentication data input fields with dynamic payment authentication data, wherein the dynamic payment authentication data comprises a card verification value (CVV) that is dynamically changed over predetermined time periods by providing different combinations of the CVV based on a predetermined time algorithm;
• receive an indication to cause a payment server to transmit the payment from the account associated with the first user profile and the second user profile to a recipient;
• authenticate, by the application, the dynamic payment authentication data;
• and
• in response to authenticating the dynamic payment authentication data, cause the payment server to transmit the payment from the account to the recipient.