Patent ID: 11928656
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system comprising:
a memory storing instructions;
a database, in electronic communication with the memory, configured to store information comprising:
account information associated with an account at an institution;
user information for a user associated with the account; and
an account balance associated with the account; and

a processor, in electronic communication with the database, configured to execute the instructions to perform operations associated with a first mode or a second mode, comprising:
associating a mobile device of a user with the account based on the account information;
determining the account is in the first mode;
providing a user interface accessible via the mobile device, the user interface comprising a setup dashboard configuration including a setup graphical user interface for receiving a setting for a second mode threshold, wherein the setup interface includes an interactive selectable control that allows the user to select the second mode threshold;
replacing the setup dashboard configuration with a first set of selectable controls associated with processing a plurality of electronic transactions, including one or more account funding controls;
determining, based on the account balance and the second mode threshold, whether the account is in the second mode, wherein the the second mode threshold is a positive number;
responsive to the determination that the account is in the second mode:
transmitting a first notification for display through the user interface, the first notification indicating that the account is in the second mode;
disabling the first set of selectable controls of the first mode;
enabling a second set of selectable controls for display in the user interface, wherein
the processor permits the user to navigate only within the second set of selectable controls;
the second set of selectable controls includes a set of electronic transaction controls restricted to the one or more account funding controls, and one or more default payment controls for processing a previously scheduled automatic payment or a check,
the second set of selectable controls is different from the first set of selectable controls but has at least one control in common with the first set of selectable controls, the at least one control in common comprises the one or more account funding controls, and
the second set of selectable controls is enabled until the account is removed from the second mode;

receiving, from the mobile device and through the user interface, a request to manage the one or more default payment controls associated with the account;
responsive to the request, providing a dashboard configuration for display in the user interface, the dashboard configuration includes at least one toggle control for rejecting the automatic payment; and
responsive to a determination that the account balance is raised above the predetermined threshold:
removing the account from the second mode via the request; and
in response to the account exiting the second mode: disabling the second set of selectable controls;

transmitting a second notification for display through the user interface, the second notification indicating that the account is in the first mode; and
enabling the first set of selectable controls.