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 |
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.
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