Patent ID: 11928655
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. A non-transitory computer readable medium having stored instructions, which when executed, cause at least one processor to perform operations for managing a financial account, comprising;
one or more computer servers;
a network interface that connects the one or more computer servers to a plurality of computing devices, wherein the plurality of computing devices have a downloaded mobile application;
at least one memory storing instructions; and
at least one processor configured to execute the instructions to perform operations comprising:
associating a computing device of the plurality of computing devices with an account maintained in a computer server of the one or more computer servers;
generating, in the downloaded mobile application on the computing device associated with the account, a user interface, wherein the user interface comprises a plurality of windows;
associating a first window of the plurality of windows with a set of account options and account information associated with a non-low-cash mode state, wherein the set of account options and account information associated with the non-low-cash mode state is a limited list of account options and account information, wherein each of the account options is selectable to show additional information or accept input from a customer associated with the account;
associating a second window of the plurality of windows with a set of account options and account information associated with a low-cash mode state, wherein the set of account options and account information associated with the low-cash mode state is a limited list of account options and account information that includes the option to enter a personalized grace period before a negative balance fee is assessed to the account, wherein each of the account options is selectable to show additional information or accept input from the customer associated with the account;
presenting the first window and the second window on the user interface simultaneously, wherein the first window occupies an upper portion of a vertical stack layout and the second window occupies a lower portion of the vertical stack layout;
generating, using a machine learning algorithm, a prediction indicating that an account balance will dip below a predetermined threshold, wherein spending habits of the customer, the account balance, and a geolocation of the customer are used as inputs for the machine learning algorithm;
determining, based on the prediction indicating that the account balance will dip below the predetermined threshold, that the account is in a low-cash mode state;
responsive to the determination that the account is in the low cash mode state:
disabling a debit card associated with the account;
declining transactions directed to the account;
disabling functionality associated with the first window and specific to the non-low cash mode state via graying-out the appearance of the first window; and
enabling functionality associated with the second window and specific to the low-cash mode state,
wherein the first window and the second window remain visible in the user interface while the account is in the low-cash mode state;

determining that the account balance is negative;
accessing a first database the financial institution to retrieve historical account data associated with the account;
accessing a second database service provider to retrieve non-financial data associated with the account or customer;
determining a negative balance fee based on at least the historical account data and the non-financial data; and
assessing the negative balance fee to the account.