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 |
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.
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