Patent ID: 11893557
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 13:
14. A method for managing a negative account balance, comprising:
displaying, on a user interface in a mobile application of a mobile device, a first dashboard configuration including one or more user interfaces configured to process a plurality of electronic transactions related to the account while in the first software state;
generating, using a machine learning algorithm, a prediction indicating whether the account balance will dip below a predetermined threshold greater than zero, and when the prediction indicates that the account balance will dip below the predetermined threshold, triggering the second software state; wherein the first software state being a separate and distinct mode of software operation than the second software state, the first software state involving functions that the at least one processor is unable to perform while in the second software state;
responsive to the triggering of the second software state, disabling the first dashboard configuration having an above-threshold-balance mode selection option, and enabling a second dashboard configuration, wherein the second dashboard configuration includes one or more user interfaces having a set of electronic transaction controls including a below-threshold-balance selection option that differs from the above-threshold-balance mode selection option,
wherein the user interfaces of the second dashboard configuration include a display comprising the information of predictive cash flow based on the prediction generated by the machine learning algorithm, and at least one button that directs the user to a user interface where the user can make a transfer and/or a deposit;
transmitting, to the user, an option to receive one or more notifications at a user-selected time after the account balance is negative or the account is charged an overdraft fee;
receiving the user-selected time;
determining an account balance of the account;
determining, based on the account balance, whether the account balance is negative;
transmitting to the user, based on the user-selected time, a first notification for display on a user interface of a mobile device associated with the user when the account balance is negative; and
transmitting to the user, based on the user-selected time, a second notification for display on the user interface of the mobile device when the account is charged an overdraft fee.