US 11,861,574 B1
Systems and methods for electronic database communications
Urich T. Bowers, Brideville, PA (US); Mecal McDade, New Alexandria, PA (US); Todd Tkach, Wexford, PA (US); and Jerry Scheller, Moon Township, PA (US)
Assigned to THE PNC FINANCIAL SERVICES GROUP, INC., Pittsburgh, PA (US)
Filed by The PNC Financial Services Group, Inc., Pittsburgh, PA (US)
Filed on Mar. 15, 2021, as Appl. No. 17/202,243.
Application 17/202,243 is a continuation of application No. 17/027,250, filed on Sep. 21, 2020.
Claims priority of provisional application 62/983,572, filed on Feb. 28, 2020.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06N 20/00 (2019.01); G06Q 30/0283 (2023.01); G06Q 40/02 (2023.01); G06Q 30/018 (2023.01); G06Q 20/02 (2012.01); G06Q 50/00 (2012.01)
CPC G06Q 20/108 (2013.01) [G06N 20/00 (2019.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/405 (2013.01); G06Q 20/4037 (2013.01); G06Q 30/0283 (2013.01); G06Q 40/02 (2013.01); G06Q 20/023 (2013.01); G06Q 30/0185 (2013.01); G06Q 50/01 (2013.01)] 22 Claims
OG exemplary drawing
 
1. A system for preventing an account state, comprising:
a memory storing instructions; and
at least one processor, implemented as distributed servers remotely located and in communication with each other over a wide area network, configured to execute the instructions to perform operations associated with a first mode or a second mode, the first mode being a separate and distinct mode from the second mode, comprising:
associating a user with an account at a financial institution;
associating a financial card with the account;
determining an account balance of the account;
generating, using a machine learning algorithm, a prediction indicating whether the account balance will dip below a predetermined threshold, wherein a user's spending habits, a user's personal account balance, and a user's geolocation are used as inputs for the machine learning algorithm;
determining, based on the account balance and the generated prediction, whether the account is in the second mode;
upon determining the account is in the second mode, automatically providing a plurality of transaction controls consisting of:
lock the financial card;
permit processing of one or more checks; and
permit processing of previously-scheduled automatic payments;
transmitting, to the user, upon determining the account is in the second mode a first notification on a user interface of a mobile device associated with the user, that the financial card is in the second mode;
responsive to determining that the financial account is in the second mode, permitting the user to navigate only within a second mode configuration to perform a limited set of electronic banking operations associated with the transaction controls;
receiving a request for a transfer of funds based on a transaction initiated through the financial card;
denying the request for the transfer of funds while the account is in the second mode and the lock is activated; and
transmitting to the user, via the user interface of the mobile device associated with the user, a second notification presenting a plurality of options to manage the account when the account is in the second mode, wherein the plurality of options are configured to be presented for a specific period of availability, wherein a period of availability includes an allotted amount of time for an option to be selected on an interactive window by a user.