Patent ID: 11907919
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 integrating financial services with website platforms, comprising:
a memory storing instructions; and
at least one processor configured to execute the instructions to perform operations associated with a first account state or a second account state, the first account state being a separate and distinct mode of software operation than the second account state, the first account state involving functions that the at least one processor is unable to perform while in the second account state, the operations comprising:
associating a user with a financial account at a financial institution;
associating the user with a social media account;
linking the financial account with the social media account, by receiving and storing social media account data associated with the social media account;
associating a mobile device of the user with the financial account;
determining using a machine learning algorithm that the financial account is in the first account state;
providing a user interface accessible via the mobile device;
providing a first set of selectable controls associated with processing a plurality of electronic transactions, including one or more account funding controls;
determining an account balance of the financial account;
determining a predicted account balance of the financial account;
determining using the machine learning algorithm whether the financial account is in the second account state by:
comparing the account balance to at least one predetermined threshold;
comparing the predicted account balance to the at least one predetermined threshold; and
determining that the financial account is in the second account state if the account balance or the predicted account balance is a positive balance below the at least one predetermined threshold;

transmitting a notification, via a social media website associated with the social media account, to the user when the financial account is in second account state, wherein the notification includes a link directing the user to the user interface;
opening the user interface associated with the user's financial account on the mobile device based on the link;
in response to the determination that the account is in the second account state, disabling the first set of selectable controls of the first account state, enabling a second set of selectable controls of the second account state associated with the user interface, and keeping the second set of selectable controls of the second account state enabled until the account is removed from the second account state by increasing the account balance above the at least one predetermined threshold, wherein the second set of selectable controls is different from the first set of selectable controls but has at least one control in common with the first set of selectable controls, the at least one control in common comprises the one or more account funding controls, and the second set of selectable controls includes a set of electronic transaction controls restricted to the one or more account funding controls, one or more default payment controls for processing a previously scheduled automatic payment or a check, and an option to lock or unlock a financial card associated with the financial account;
receiving, from the user interface, a request to manage the one or more default payment controls associated with the financial account;
responsive to the request, providing a dashboard configuration for display in the user interface, the dashboard configuration includes at least one toggle control for rejecting the automatic payment; and
in response to the account exiting the second account state:
disabling the second set of selectable controls; and
enabling the first set of selectable controls.