Patent ID: 11893556
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system for conveying real time information from one or more computer servers to a computing device display and enabling real time account controls responsive to the computing device user interface, 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:
authenticating, via an encrypted network connection over the network interface, a computing device of the plurality of computing devices with a computer server of the plurality of computer servers;
associating the computing device with at least one account maintained in the computer server;
associating the computing device with a unique identifier corresponding to the at least one account;
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 rectangular dashboard panels for initiating operations associated with the account;
initializing a first dashboard panel comprising account settings or real time account information specific to a first mode of operation and a second dashboard panel comprising account settings or real time account information specific to a second mode of operation, wherein the first mode of operation corresponds to an account balance above a pre-determined threshold and the second mode of operation corresponds to an account balance below the pre-determined threshold;
displaying, on the user interface, in a vertical stack layout, the first dashboard panel and the second dashboard panel simultaneously, wherein the first dashboard panel occupies an upper portion of the vertical stack layout and the second dashboard panel occupies a lower portion of the vertical stack layout;
receiving, via the network connection, account information based on the unique identifier corresponding to the account, wherein the account information includes an account balance;
determining that the account balance is negative;
determining, based on the account balance, that the account is in the second mode of operation;
responsive to the determination that the account is in the second mode of operation:
disabling a debit card associated with the account;
declining transactions directed to the account;
disabling functionality associated with the first dashboard panel and specific to the first mode of operation via graying-out the appearance of the first dashboard panel; and
enabling functionality associated with the second dashboard panel and specific to the second mode of operation,
wherein the first dashboard panel and the second dashboard panel remain visible in the user interface while the account is in the second mode of operation;

accessing, via the network, a first database associated with the account to retrieve historical account data associated with the account;
accessing, via the network, a second database associated with the account to retrieve non-financial data associated with the account;
determining a negative balance fee to assess against the account based on at least the historical account data and the non-financial data;
determining a fixed period of time before applying the negative balance fee to the account;
transmitting, to the computing device associated with the unique identifier, a first message for display in the first dashboard panel while the account is in the second mode of operation, the first message comprising at least one of an indication that the account is in the second mode of operation, an indication of the account balance, or an option to unlock a debit card associated with the account;
transmitting, to the computing device and based on the unique identifier, a second message for display in the second dashboard panel while the account is in the second mode of operation, wherein the second message comprises at least one of: an indication of the period of time before a negative balance fee is assessed, an indication of the negative balance fee, or the option to make a deposit;
following expiration of the fixed period of time, determining whether the account balance is negative; and
responsive to the determination that the account balance is negative, applying the negative balance fee to the account.