| 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)] | 28 Claims |
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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 at a financial institution;
user information for a user associated with the account;
a mobile device unique identifier for a mobile device associated with the user, the mobile device being configured with location services to determine a geolocation of the mobile device;
an account balance associated with the account; and
a current balance of the account;
a processor, in electronic communication with the database, configured to execute the instructions to perform operations comprising:
associating the mobile device unique identifier with the account based on the account information;
associating a financial card with the account based on the account information;
providing for display, on a display of a mobile device, a setup dashboard configuration comprising a plurality of setup graphical user interfaces, including:
a first setup interface for receiving a first setting for a low cash mode threshold, wherein the first setup interface provides a first interactive sliding control that allows the user to select the low cash mode threshold;
a second setup interface for receiving a second setting for at least one default payment behavior when the account is in a low cash mode, wherein the second setting is received using a first interactive toggle control, and wherein the second setting instructs the processor whether to approve or deny check payments and automatic payments initiated before entering the low cash mode;
a third setup interface for receiving a third setting for a smart lock, the third setup interface consisting of options for notification alerts, automatic time extensions, and a card lock;
a fourth setup interface displayed in response to selection of the selectable option for the card lock, the fourth setup interface including:
a second interface sliding control for receiving a fourth setting for a card lock threshold, wherein the card lock threshold differs from the low cash mode threshold; and
a second interactive toggle control for enabling or disabling a smart lock mode for the financial card;
determining, based on the location services of the mobile device, the geolocation of the mobile device;
replacing the setup dashboard configuration with an account management dashboard configuration comprising one or more account management interfaces having selectable controls associated with processing a plurality of transactions while outside of the low cash mode;
determining a predicted balance of the account, by:
retrieving the current balance;
retrieving historical transaction data;
identifying one or more expected transactions based on historical transaction data;
identifying one or more scheduled transactions; and
calculating the predicted balance by reducing the current balance by a sum of the one or more expected transactions and the one or one or more scheduled transactions;
determining whether the account is in the low cash mode by:
comparing the current balance and the predicted balance to the low cash mode threshold; and
determining that the current balance or the predicted balance is below the low cash mode threshold;
responsive to determining that the account is in the low cash mode, disabling and replacing the account management dashboard configuration with a low cash mode dashboard configuration comprising one or more low cash mode user interfaces different from the setup graphical user interfaces and different from the account management user interfaces, wherein the low cash mode user interfaces comprise:
an indication that the account is in the low cash mode;
a set of electronic transaction controls restricted to account funding controls;
one or more default payment controls for processing previously-scheduled automatic payments while the account is in the low-cash mode;
wherein the processor permits the user to navigate only within the low cash mode dashboard configuration for performing a limited set of electronic banking operations associated with the set of electronic transaction controls and the one or more default payment controls;
determining whether one or more of the current balance or the predicted balance is less than the card lock threshold;
responsive to a determination that the current balance or the predicted balance is less than the card lock threshold, locking the financial card;
providing, in at least one of the low cash mode user interfaces, an indication that the financial card is locked;
determining, based on the determined geolocation of the mobile device, that the mobile device is located at a predetermined location;
temporarily unlocking the financial card to permit one or more new transactions associated with the predetermined location, while the mobile device is located at the predetermined location;
receiving, from a third party system, a subsequent request for a transaction associated with the financial card;
responsive to determining that the financial card is locked, generating and transmitting to the third party system a notification that the transaction is declined; and
declining the transaction.
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