# US 12,182,777 B1 · Systems and methods for online payment transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,777 B1 - Document ID: US12182777B1 - Status: Granted - Kind: B1 - Application number: 17/704,836 - Filed: 2022-03-25 - Granted: 2024-12-31 - Earliest claimed: 2017-06-23 - Assignees: United Services Automobile Association (USAA) - Applicants: United Services Automobile Association (USAA) - Inventors: Brian C. Hawes; Justin D. Haslam; Christian A. Williams - Web page: https://patentgrep.com/patent/US12182777B1 ## CPC - G06Q 20/0855: {involving a third party} - G06F 16/9535: Search customisation based on user profiles and personalisation - G06F 16/9566: {URL specific, e.g. using aliases, detecting broken or misspelled links} - G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/102: {Bill distribution or payments} - G06Q 20/12: specially adapted for electronic shopping systems - G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights} - G06Q 20/385: {using an alias or single-use codes} - G06Q 20/40145: {Biometric identity checks} - G06Q 20/4018: {using the card verification value [CVV] associated with the card} - H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)} - H04L 67/535: {Tracking the activity of the user (network monitoring arrangements H04L43/00; recording of computer activity G06F11/34)} - G06F 3/04817: using icons (graphical or visual programming using iconic symbols G06F8/34) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract Disclosed herein are systems and methods for generating a shared budget for an account associated with a first user and a second user, wherein the first user is associated with a first client device and the second user is associated with a second client device. A notification may be transmitted to the second client device based on an attempted purchase via the first client device. The notification may be displayed in a graphical user interface (GUI) of the second client device, and may include information related to the attempted purchase, such as the cost of one or more items, total value of the shared budget, remaining value in the shared budget, and so on. The second user may approve or decline the purchase request. ## Claims ### Claim 1 A computer-implemented method executed by at least one processor, the computer-implemented method comprising: receiving a request to generate a shared budget associated with at least a first user profile and a second user profile; generating the shared budget based at least on the first user profile and the second user profile; monitoring, by an application executing on a first client device associated with the first user profile, a webpage displayed on the first client device; determining, by the application, that the webpage displays a set of keywords associated with a payment transaction; dynamically rendering, 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; transmitting, via a server, a notification to a second client device associated with the second user profile of an attempted purchase on the first client device; displaying, by the application, a payment prompt on the first client device comprising one or more payment data input fields associated with an account associated with the first user profile and the second user profile and one or more authentication data fields based on an indication of an interaction with the payment icon; pre-filling, by the application, 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; receiving, by the application, biometric authentication data associated with the first user profile; authenticating, by the application, the biometric authentication data; in response to authenticating the biometric authentication data, pre-populating, by the application, the one or more authentication data fields with dynamic payment authentication data, wherein the dynamic payment authentication data comprises a card verification value (CVV) that is dynamically changed over pre-determined time periods by providing different combinations of the CVV based on a predetermined time algorithm; receiving, by the application, an indication to cause the payment from the account associated with the first user profile and the second user profile via a hyperlink; authenticating, by the application, the dynamic payment authentication data; and in response to authenticating the dynamic payment authentication data, causing, by the application, the payment from the account associated with the first user profile and the second user profile based on payment data. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the notification of the attempted purchase comprises a cost of the attempted purchase, time at which the purchase was attempted, remaining value in the shared budget, and a request to approve or deny the attempted purchase. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the server transmits the notification of the attempted purchase in response to determining that the attempted purchase exceeds the shared budget. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, wherein the server transmits the notification of the attempted purchase in response to determining that the attempted purchase would exceed a predetermined spending limit. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein the notification of the attempted purchase comprises a push notification, a text message, or both. ### Claim 6 (depends on 1) The computer-implemented method of claim 1, comprising determining, by the application, the webpage on the first client device by tracking browser cookies, IP addresses, information embedded in a uniform resource locator (URL) address, or any combination thereof. ### Claim 7 (depends on 1) The computer-implemented method of claim 1, comprising utilizing, by the application, web crawlers to crawl various websites associated with user membership accounts to retrieve identification data of the various websites. ### Claim 8 (depends on 1) The computer-implemented method of claim 1, comprising, in response to receiving an indication of an interaction with the payment icon, displaying, by the application, one or more items on the payment prompt, wherein the application determines the one or more items based on the first user profile, the second user profile, or both containing data corresponding to the webpage. ### Claim 9 (depends on 8) The computer-implemented method of claim 8, wherein the one or more items comprises a budget amount, a list of previously purchased products, a list of recommended products, a list of membership points, a list of reward purchase options, or any combination thereof. ### Claim 10 (depends on 8) The computer-implemented method of claim 8, comprising, in response to receiving an indication of the interaction with the payment icon, displaying, by the application, the payment prompt on the webpage as a pop-up window, a new window, or in any visually perceptible format. ### Claim 11 (depends on 8) The computer-implemented method of claim 8, comprising, in response to receiving an indication of the interaction with the payment icon, displaying, by the application, a numerical data string on the payment prompt for payment of value within the one or more payment data input fields. ### Claim 12 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. ### Claim 13 (depends on 12) The system of claim 12, wherein the notification of the attempted purchase comprises a request for approval or denial of the attempted purchase, a cost of the attempted purchase, a time of the attempted purchase, remaining value in the shared budget, a request to approve or deny the attempted purchase, or any combination thereof. ### Claim 14 (depends on 12) The system of claim 12, wherein the first client device is configured to determine, by the application, the webpage by tracking browser cookies, IP addresses, information embedded in a uniform resource locator (URL) address, or any combination thereof. ### Claim 15 (depends on 12) The system of claim 12, wherein a server is configured to generate the shared budget based at least on the first user profile and the second user profile. ### Claim 16 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. ### Claim 17 (depends on 16) The tangible, non-transitory, machine-readable medium comprising machine-readable instruction of claim 16, wherein the at least one processor transmits the purchase attempt notification in response to determining that the attempted purchase exceeds the shared budget. ### Claim 18 (depends on 16) The tangible, non-transitory, machine-readable medium, comprising machine-readable instruction of claim 16, wherein the server transmits the purchase attempt notification in response to determining that the attempted purchase would exceed a predetermined spending limit. ### Claim 19 (depends on 16) The tangible, non-transitory, machine-readable medium, comprising machine-readable instruction of claim 16, wherein the notification of the attempted purchase comprises a cost of the attempted purchase, time at which the purchase was attempted, remaining value in the shared budget, a request to approve or deny the attempted purchase, or any combination thereof. ### Claim 20 (depends on 1) The computer-implemented method of claim 1, wherein the set of keywords comprises a decimal point, dollar sign, or both.