US 11,966,893 B1
Systems and methods for managing a financial account in a low-cash mode
Urich T. Bowers, Brideville, PA (US); Mecal McDade, New Alexandria, PA (US); Todd Tkach, Wexford, PA (US); and Mike Ley, 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 Aug. 3, 2021, as Appl. No. 17/393,238.
Application 17/393,238 is a continuation of application No. 17/027,250, filed on Sep. 21, 2020, granted, now 11,875,320.
Claims priority of provisional application 62/983,572, filed on Feb. 28, 2020.
Int. Cl. G06Q 20/10 (2012.01); G06N 20/00 (2019.01); G06Q 20/02 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06Q 30/018 (2023.01); G06Q 30/0283 (2023.01); G06Q 40/02 (2023.01); 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 20/4037 (2013.01); G06Q 20/405 (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)] 20 Claims
OG exemplary drawing
 
1. A system for displaying a predicted flow, comprising:
a memory storing instructions;
a database, in electronic communication with the memory, configured to store information comprising:
account information associated with an account of a user at an institution;
account history data associated with the account;
aggregated data associated with at least one other account associated with at least one other user at the institution;
history data associated with the user;
non-history data associated with the user; and
a mobile device unique identifier for a mobile device associated with the user; and
at least one processor, in electronic communication with the database, 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:
determining an account balance associated with the account;
creating a first dashboard panel based on the first mode, wherein the first dashboard panel comprises real time account information based on the account balance;
predicting, using a machine learning algorithm, based on the account history data, the aggregated data, the history data, and the non-history data, one or more expenses associated with the user;
determining, based on the account balance and the one or more predicted expenses, a predicted balance of the account;
determining, based on the predicted balance, whether the account is in the second mode;
upon determining the account is in the second mode, creating a second dashboard panel, wherein the second dashboard panel allows a user to navigate only within the second dashboard panel configuration to perform a limited set of operations and grays out the appearance of the first dashboard panel;
transmitting, to the second dashboard panel, a message with an option to lock a card associated with the account, permit processing of one or more checks, or permit processing of previously-scheduled automatic payments; and
transmitting to the mobile device for display on a graphical user interface, based on the mobile device unique identifier, the one or more predicted expenses, and the predicted balance.