Patent ID: 11868978
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A system comprising:
a database configured to store information comprising:
financial account information associated with an account at a financial institution;
user information for a user associated with the account;
a mobile device unique identifier for a mobile device associated with the user; and
an account balance associated with the account;

a first processor, in electronic communication with the database, associated with a first mode or a second mode, the first mode being a separate and distinct mode from the second mode, configured to:
receive the account balance from the database;
provide a user interface accessible via the mobile device;
provide a first dashboard configuration for display in the user interface, the first dashboard configuration being configured to process a plurality of electronic transactions related to the financial account;
generate, using a machine learning algorithm, a prediction indicating whether the account balance will dip below a predetermined value, wherein a user's spending habits, a user's personal account balance, and a user's geolocation are used as inputs for the machine learning algorithm;
determine whether the account balance is below the predetermined value
upon determining the account balance is below the predetermined value, entering the account into the second mode;
determine a grace period indicating a period of time;
in response to the determination that the account is in the second mode disabling the first dashboard configuration, and enabling a second dashboard configuration associated with the user interface;
permitting the user to navigate only within the second dashboard configuration to perform a limited set of electronic banking operations associated with payment controls;
and
rejecting attempted payments when the account is in the second mode through payment controls associated with the grace period, and displaying the payment controls on the second dashboard configuration, wherein the payment controls consist of:
spending control;
automatic locking;
danger day setting; and geolocation setting;

an application configured for use on the mobile device, the application configured to:
display a notification indicating through the user interface on the second dashboard configuration:
that the account balance is below the predetermined value; and
the grace period; and

a second processor, in electronic communication with the database, configured to:
determine whether the grace period is expired;
responsive to determining that the grace period is expired, enabling the first dashboard configuration;
and
charge an overdraft fee to the account based on the determination that the grace period is expired.