Patent ID: 11966893
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A computer-implemented method for performing, by at least one processor, operations for displaying a predicted flow associated with a first mode or a second mode, the first mode being a separate and distinct mode from the second mode comprising:
associating a user with an account at an institution;
associating the user with a mobile device unique identifier for a mobile device;
associating the user with account history data associated with the account;
associating the user with aggregated data associated with at least one other account associated with at least one other user at the institution;
associating the user with history data associated with the user;
associating the user with non-history data associated with the user;
determining an account balance associated with the account;
creating a first dashboard panel based on the first mode, wherein the first dashboard panel comprises real time account information based on the account balance;
predicting, using a machine learning algorithm, based on the account history data, the aggregated data, the history data, and the non-history data, one or more expenses associated with the user;
determining, based on the account balance and the one or more predicted expenses, a predicted balance of the account;
determining, based on the predicted balance, whether the account is in the second mode;
upon determining the account is in the second mode, creating a second dashboard panel, wherein the second dashboard panel allows a user to navigate only within the second dashboard panel configuration to perform a limited set of operations and grays out the appearance of the first dashboard panel;
transmitting, to the second dashboard panel, a message with an option to lock a card associated with the account, permit processing of one or more checks, or permit processing of previously-scheduled automatic payments; and
transmitting to the mobile device for display on a graphical user interface, based on the mobile device unique identifier, the one or more predicted expenses and the predicted balance.