Patent ID: 11915214
Assignee: THE PNC FINANICAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 5:
6. The system of claim 1, wherein the at least one processor is configured to execute the instructions to perform further operations comprising:
determine the account is in the low-cash mode when at least one of the following occurs:
the system predicts, via the at least one processor, that the account balance after processing a pending transaction is negative based on an amount of the pending transaction;
the system determines, via the at least one processor, that the account balance after processing a scheduled payment is negative based on amount of the scheduled payment;
the system determines, via the at least one processor, that the customer enters a predetermined time period; or
the system determines, via the at least one processor, that a geographic location of the customer corresponds with a geographic location of a merchant with whom the customer has a history of transactions that would cause the account balance to become negative.