Patent ID: 11893557
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A system for managing a negative account balance, comprising:
a memory storing instructions; and
a database, in electronic communication with the memory, configured to store information comprising:
account information associated with an account;
user information for a user associated with the account;
a mobile device unique identifier for a mobile device associated with the user and having a downloaded mobile application installed thereon; and
an account balance associated with the account; and

at least one processor of a server, in electronic communication with the database and the mobile device via a network, configured to execute the instructions to perform operations associated with a first software state or a second software state of the downloaded mobile application, the first software state being a separate and distinct mode of software operation than the second software state, the first software state involving functions that the at least one processor is unable to perform while in the second software state, the operations comprising:
displaying, on a user interface of the mobile device, a first dashboard configuration including one or more user interfaces configured to process a plurality of electronic transactions related to the account while in the first software state;
generating, using a machine learning algorithm, a prediction indicating whether the account balance will dip below a predetermined threshold greater than zero, and when the prediction indicates that the account balance will dip below the predetermined threshold, triggering the second software state;
responsive to the triggering of the second software state, disabling the first dashboard configuration having an above-threshold-balance mode selection option, and enabling a second dashboard configuration, wherein the second dashboard configuration includes one or more user interfaces having a set of electronic transaction controls including a below-threshold-balance selection option that differs from the above-threshold-balance mode selection option,
wherein the user interfaces of the second dashboard configuration include a display comprising the information of predictive cash flow based on the prediction generated by the machine learning algorithm, and at least one button that directs the user to a user interface where the user can make a transfer and/or a deposit;
transmitting, to the user, one or more options for display on a user interface of a mobile device associated with the user, wherein the options include selecting a time to receive a reminder notification when an account balance is negative;
receiving, from the user via the user interface of the mobile device, a selected option from the one or more options;
determining the account balance of the account;
determining, based on the account balance, whether the account balance is negative; and
transmitting the reminder notification to the user for display on the user interface of the mobile device while the account balance is negative, the reminder notification being transmitted at the user-selected time.