Patent ID: 11928656
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 12:
13. A system comprising:
a database configured to store information comprising:
account information associated with an account at an institution;
information for a user associated with the account; and
an account balance associated with the account;

a first processor, in electronic communication with the database, configured to operate in a first mode or a second mode and perform the steps comprising:
receive the account balance from the database;
receive a future transaction;
receive a second mode threshold from a mobile device;
predict a future account balance based on the account balance and the future transaction; and
determine, based on the account balance, the second mode threshold, and the future account balance, whether the account is in the second mode, wherein the second mode threshold is a positive number;

an application configured for use on a mobile device, the application configured to:
provide a user interface accessible via the mobile device, the user interface comprising a setup graphical user interface for receiving a setting for the second mode threshold, wherein the setup interface includes an interactive selectable control that allows the user to select the second mode threshold;
replace the interactive selectable control with a first set of selectable controls associated with processing a plurality of electronic transactions, including one or more account funding controls;
responsive to the determination that the account is in the second mode:
display a first notification indicating that the account is in the second mode;
disable the first set of selectable controls; and
enable a second set of selectable controls for display in the user interface, wherein
the first processor permits the user to navigate only within the second set of selectable controls;
the second set of selectable controls includes a set of electronic transaction controls restricted to the one or more account funding controls, and one or more default payment controls for processing the future transaction,
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 is enabled until the account is removed from the second mode; and

receive a request to manage the one or more default payment controls associated with the account; and
a second processor, in electronic communication with the database and the application, configured to:
provide the setup dashboard configuration for display in the user interface;
responsive to a selection of the second mode threshold, provide a dashboard configuration for display in the user interface, the dashboard configuration including at least one toggle control for rejecting the future transaction;
responsive to a determination that the account balance is raised above the predetermined threshold, remove the account from the second mode; and
 in response to the account exiting the second mode:
disabling the second set of selectable controls;
transmit a second notification to the mobile device, the second notification indicating that the account is not in the second mode; and
enable the first set of selectable controls.