Patent ID: 11928655
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system for determining a negative balance fee for a customer financial account, comprising:
one or more computer servers;
a network interface that connects the one or more computer servers to a plurality of computing devices, wherein the plurality of computing devices have a downloaded mobile application;
at least one memory storing instructions; and
at least one processor configured to execute the instructions to perform operations comprising:
associate a computing device of the plurality of computing devices with an account maintained in a computer server of the one or more computer servers;
generate, in the downloaded mobile application on the computing device associated with the account, a user interface, wherein the user interface comprises a plurality of windows;
associate a first window of the plurality of windows with a set of account options and account information associated with a non-low-cash mode state, wherein the set of account options and account information associated with the non-low-cash mode state is a limited list of account options and account information, wherein each of the account options is selectable to show additional information or accept input from a customer associated with the account;
associate a second window of the plurality of windows with a set of account options and account information associated with a low-cash mode state, wherein the set of account options and account information associated with the low-cash mode state is a limited list of account options and account information that includes the option to enter a personalized grace period before a negative balance fee is assessed to the account, wherein each of the account options is selectable to show additional information or accept input from the customer associated with the account;
present the first window and the second window on the user interface simultaneously, wherein the first window occupies an upper portion of a vertical stack layout and the second window occupies a lower portion of the vertical stack layout;
generate, using a machine learning algorithm, a prediction indicating that an account balance will dip below a predetermined threshold, wherein spending habits of the customer, the account balance, and a geolocation of the customer are used as inputs for the machine learning algorithm:
determine, based on the prediction indicating that the account balance will dip below the predetermined threshold, that the account is in a low-cash mode state;
responsive to the determination that the account is in the low cash mode state:
disable a debit card associated with the account;
decline transactions directed to the account;
disable functionality associated with the first window and specific to the non-low cash mode state via graying-out the appearance of the first window; and
enable functionality associated with the second window and specific to the low-cash mode state,
wherein the first window and the second window remain visible in the user interface while the account is in the low-cash mode state;

determine that the account balance is negative;
access a first database associated with the financial institution to retrieve historical account data associated with the account;
access a second database associated with a service provider to retrieve non-financial data associated with the account or customer;
determine a plurality of tiered negative balance fee amounts;
determine which of the plurality of tiered negative balance fee amounts to assess against the account based on at least the historical account data and the non-financial data; and
assess the negative balance fee to the account.