Patent ID: 11966892
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;
user information for a user associated with the user's account;
a mobile device unique identifier for a mobile device associated with the user and having a downloaded mobile application installed thereon; and
an account balance associated with the account; and

at least one processor of a server, in electronic communication with the database and the mobile device via a network, configured to execute the instructions to perform operations associated with a first account mode or a second account mode of the downloaded mobile application, the first account mode being a separate and distinct mode than the second account mode, the first account mode involving functions that the at least one processor is unable to perform while in the second account mode, the operations comprising:
displaying, on a user interface of the 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 account mode;
determining whether the account balance is below a predetermined threshold, and if below said threshold, triggering the second account mode;
transmitting a notification to the mobile device, based on the mobile device unique identifier, when the account balance is below the threshold;
determining, based on a below-threshold account balance, a personalized grace period associated with a time period for paying a fee associated with the account balance;
transmitting to the mobile device for display, based on the mobile device unique identifier, information associated with the personalized grace period; and
responsive to the triggering of the second account mode, 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 associated with the personalized grace period and at least one button that directs the user to a user interface where the user can make a transfer and/or a deposit, and
a display of payment control, which comprises information associated with the personalized grace period, and options for extra grace period in addition to the personalized grace period, which the user can select from if needed; and

wherein the second dashboard configuration remains enabled until the account balance rises above the threshold.