US Patent 11935067 Systems and methods for dynamically funding transactions

A system including: one or more processors; a memory storing instructions that, when executed by the one or more processors are configured to cause the system to receive primary and secondary user account data. The system generates one or more predictive model systems based on the primary and secondary user account data. The system receives a first input from the primary user corresponding to a first spending limitation for the secondary user. The system identifies a first transaction of the secondary user exceeding the spending limitation and determines using the one or more predictive model systems whether to authorize a spending limitation override. The system automatically authorizes the spending limitation override when the first transaction exceeds the spending limitation by less than a predetermined threshold. The system can also identify and automatically fund recurring transactions with an associated funding account using the one or more predictive model systems.