US 12,014,339 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); Jerry Scheller, Moon Township, PA (US); Mike Kirch, Venetia, PA (US); and Eric Romantino, Pittsburgh, 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 Feb. 1, 2021, as Appl. No. 17/164,612.
Application 17/164,612 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 (2024.01)
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 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 financial card associated with the account; and
an account balance associated with the account; and
a processor, in electronic communication with the database, configured to execute the instructions to perform operations comprising:
communicating with at least one mobile device of the user about the account based on the account information;
providing a display user interface accessible via the at least one mobile device;
providing a first dashboard configuration for display in the display user interface, the first dashboard configuration providing selectable controls associated with processing a plurality of electronic transactions;
receiving, from a device associated with a merchant, a potential purchase transaction comprising a potential purchase amount;
accessing financial history data and non-financial data;
training a machine learning model to determine a first account mode based on a future account balance generated by analyzing the financial history data, non-financial data, account history data, aggregated data, and the account balance;
making a first determination based on the first account mode and at least one predetermined threshold, whether the account is in a second account mode, wherein the second account mode is configured to automatically provide a plurality of transaction controls consisting of:
locking the financial card;
permitting processing of one or more checks; and
permitting processing of previously scheduled automatic payments; and
responsive to the first determination that the account is in the second account mode:
locking the financial card;
transmitting a first notification for display through the display user interface, the first notification indicating that the account is in the second account mode and the financial card is locked;
disabling the first dashboard configuration;
providing a second dashboard configuration for display in the display user interface while the first dashboard configuration remains disabled, the second dashboard configuration including a set of transaction user interfaces restricted to one or more account funding controls while the financial card remains locked;
making a second determination, based on the potential purchase amount and the account balance, that the potential purchase transaction will result in a negative account balance;
responsive to the second determination, providing a third dashboard configuration for display in the user interface while the first dashboard configuration remains disabled, the third dashboard configuration including at least one transaction user interface for preventing the negative account balance;
responsive to a third determination that the account balance is raised above the predetermined threshold,
removing the account from the second account mode;
unlocking the financial card;
transmitting a second notification for display through the display user interface, the second notification indicating that the account is not in the second account mode and the financial card is unlocked; and
enabling the first dashboard configuration.