Patent ID: 11935019
Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A system for preventing a negative account balance, comprising:
a memory storing instructions; and
at least one processor configured to execute the instructions to perform operations comprising:
associating a user with an account at an institution;
associating, with the account, a mobile device unique identifier for a mobile device associated with the user;
associating an account status with a first mode or a second mode based on a current balance of the account;
providing for display, on the application of the user device, a setup dashboard configuration comprising a plurality of setup graphical user interfaces corresponding to a plurality of micro-applications, including:
a first setup interface for receiving a first setting for a second mode threshold, wherein the first setup interface includes a first interactive selectable control that allows the user to select the second mode threshold; and
a second setup interface for receiving a second interactive selective control for enabling or disabling a smart lock for the card;

replacing the setup dashboard configuration with a first mode dashboard configuration comprising one or more first mode interface sections having selectable controls associated with the first mode;
determining whether the account is in the second mode by:
comparing the current balance to the second mode threshold; and
determining that the current balance is below the second mode threshold;

responsive to determining that the account is in the second mode:
disabling and replacing the first mode dashboard configuration with a second mode dashboard configuration;
wherein the processor permits the user to navigate only within the second mode dashboard configuration for performing a limited set of electronic operations associated with a set of electronic balance controls and one or more option controls;

activating, when the account is in the second mode, the smart lock feature configured to deny a payment request from a merchant
receiving a payment request from a merchant;
associating, with the account, the payment request;
transmitting a notification to the mobile device, based on the mobile device unique identifier, when the payment request is received;
presenting on a user interface of the mobile device, with the notification, an option from the one or more option controls to the user to manage the account,
wherein the option comprises an option to exclude a predetermined location from the smart lock feature; and
wherein the at least one processor is further configured to perform operations comprising:
receiving a selection of the option to exclude the predetermined location from the smart lock feature; and
configuring, when the selection is received, the smart lock feature to permit a payment request from a merchant at the predetermined location.