Patent ID: 11966891
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 18:
19. A non-transitory computer readable medium having stored instructions, which when executed, cause at least one processor to perform operations for preventing fraud, comprising:
associating, via at least one processor, a customer with an account at a financial institution;
associating the account with a mobile device;
receiving, via the at least one processor over a network, a first login attempt from the mobile device requesting access to manage the account via a first dashboard configuration;
validating, via the at least one processor, the first login attempt;
granting, via the at least one processor access to the account when the first login attempt is validated;
providing a user interface accessible via the mobile device;
providing the first dashboard configuration for display in the user interface, wherein the first dashboard configuration includes one or more user interfaces with selectable controls to manage the account, view and manipulate account balances, payment control, override settings, funding options, and projected balances associated with processing a plurality of electronic transactions for managing the account;
determining an account balance of the account by accessing a database associated with the financial institution;
determining, based on the account balance, whether the account is in a low-cash mode;
transmitting a notification from a server to the mobile device via the network when the account is in the low-cash mode;
disabling the first dashboard configuration when the account is in the low-cash mode;
enabling replacing the first dashboard configuration with a second dashboard configuration for display in the user interface, the second dashboard configuration comprising one or more user interfaces different from the one or more user interfaces of the first dashboard configuration, wherein the first dashboard configuration remains replaced until the account is removed from the low-cash mode and the second dashboard configuration includes one or more user interfaces with a limited set of electronic transaction controls for managing the account while the account is in the low-cash mode and a fraud protection feature to validate access to the limited set of electronic transaction controls for managing the account while the account is in low-cash mode;
receiving a request to disable a function in an application on the mobile device;
processing the request;
receiving, via the at least one processor over a network, a second login attempt from the mobile device requesting access to manage the limited set of electronic transaction controls via the second dashboard configuration;
validating, via the at least one processor, the second login attempt; and
granting, via the at least one processor, access to the limited set of electronic transaction controls when the second login attempt is validated; and
replacing, in response to a determination that the account is no longer in low cash mode, the second dashboard configuration with the first dashboard configuration.