Patent ID: 11915214
Assignee: THE PNC FINANICAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. The method of claim 10, wherein the account is determined to be in the low-cash mode when at least one of the following occurs:
the system predicts, via the at least one processor, based on an amount of a pending transaction, that the account balance after processing the pending transaction is negative;
the system determines, via the at least one processor, based on an amount of a scheduled payment that the account balance after processing the scheduled payment is negative;
the system determines, via the at least one processor, that a customer enters a predetermined time period; or
the system determines, via the at least one processor, that a geographic location of the customer corresponds with a geographic location of a merchant with whom the customer has a history of transactions that would cause the account balance to become negative.