US 12,125,008 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); Mike Kirch, Venetia, PA (US); Eric Romantino, Pittsburgh, PA (US); and Matthew Barrett, 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 Jul. 19, 2021, as Appl. No. 17/379,355.
Application 17/379,355 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 for generating synthetic data, comprising:
a memory storing instructions; and
at least one processor configured to execute the instructions to perform operations comprising:
associate, via the at least one processor, a user with a first account at an institution;
associate, with the first account, a mobile device unique identifier for a mobile device associated with the user;
associate an account status with a first mode or a second mode based on a transaction tendency of the first account associated with a future time period;
wherein the processor permits the user to navigate only within a second graphical user interface associated with the second mode for performing a limited set of electronic operations associated with a set of electronic balance controls and one or more option controls for managing the first account while the first account is in the second mode;
store, via the at least one processor, data associated with the first account and the user in a database;
apply a predictive algorithm to the data to generate the transaction tendency;
predict using the transaction tendency, at least one account balance prediction;
responsive to determining that the first account will be in the second mode within the future time period based on the at least one account balance prediction:
transmitting a notification from a server to the mobile device associated with the user; and
disabling and replacing, on the mobile device, a first graphical user interface associated with the first mode with the second graphical user interface including the one or more option controls, wherein the one or more option controls include:
a first option to transfer funds from a second account to the first account; and
a second option to deposit funds into the first account;
generating an updated data set based on a user selected option control from the one or more option controls;
provide for display, on the application of the mobile device, a third graphical user interface comprising a plurality of setup graphical user interfaces corresponding to a plurality of micro-applications, including: a first setup interface for receiving a setting for associating the second account to the first account; and a second setup interface for receiving a user scope of access, wherein the second setup interface includes an interactive authorization control that allows the user to select the user scope of access;
determine whether the setting for associating the second account to the first account has been received;
responsive to determining the setting for associating the second account to the account has been received: receive an institution scope of access from the institution and the user scope of access from the user; and determine, based on the user scope of access and the institution scope of access, field-level data from the updated data set, wherein the field-level data comprises transaction data deemed sensitive by the user and data from the first account deemed sensitive by the user;
apply a machine learning algorithm to protect the field-level data by generating synthetic field-level data; and substitute the synthetic field-level data in place of the field-level data associated with the first account in at least one of an Automated Clearing House transaction or a mobile network transfer between the first account and the second account, wherein the processor permits a second user associated with the second account access only to the synthetic field-level data.
 
2. The system of claim 1, wherein the field-level data associated with the account is encrypted by the institution.
 
3. The system of claim 1, wherein the field-level data associated with the account is tokenized by the institution.
 
4. The system of claim 1, wherein the field-level data associated with the account is masked by the institution.
 
5. The system of claim 1, wherein the processor permits, based on the user scope of access, secure publication of the field-level data by the institution to a third-party service provider.