Granted Patent B1

US 12,198,112 · App. 17/337,720 · Granted Jan 14, 2025

Inventors: Urich T. Bowers (Brideville, PA); Mecal McDade (New Alexandria, PA); Todd Tkach (Wexford, PA)

Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.

G06Q20/108G06N20/00G06Q20/3221G06Q20/3223G06Q20/4037G06Q20/405G06Q30/0283G06Q40/02G06Q20/023G06Q30/0185G06Q50/01

Abstract

Claims (95)

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 an institution;

social account information associated with a social media account at a social media platform;

user information for a user associated with the account and the social media account; and

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; 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 of operation than the second mode, the first mode involving functions that the at least one processor is unable to perform while in the second mode comprising:

transmitting to the mobile device for display on a first user interface associated with the first mode, based on the mobile device unique identifier, an option to grant permission to link the account and the social media account;

receiving from the mobile device a response to the option, the response providing permission to link the account and the social media account;

linking, based on the response, the account and the social media account;

determining an account balance associated with the account;

determining, based on the account balance, whether the account is in the second mode, wherein the account balance comprises a future balance predicted based on social media data related to the user; and

in response to a determination that the account is in the second mode, transmitting to the social media account a notification indicating that the account is in the second mode and disabling for display the first user interface; and

providing for display, on a display of the mobile device, a second user interface associated with the second mode with a limited number of setup options, based on the determination that the account is in the second mode, the limited number of setup options comprising:

a setup interface for at least one default payment behavior when the account is in the second mode, comprising an option for notification alerts, automatic time extensions, and a card lock for a card associated with the account;

transmitting, to the social media account a second notification indicating the account is locked based on the second mode;

transmitting, for display on the mobile device, a plurality of management options based on the limited number of setup options to manage the account when the account is in the second mode, wherein the plurality of options are configured to be presented for a specific period of availability;

determining, based on location services of the mobile device, the geolocation of the mobile device;

receiving, from a third party system, a request for a transaction associated with the card;

determining, based on the determined geolocation of the mobile device, that the mobile device is at a predetermined location;

temporarily unlocking the card to permit one or more new transactions associated with the predetermined location while the account is in the second mode.

2. The system of claim 1 , wherein the at least one processor is further configured to perform operations comprising:

transmitting the notification by sending one or more direct messages to the social media account.

3. The system of claim 1 , wherein the at least one processor is further configured to perform operations comprising:

accessing, based on the response providing permission, information associated with at least one of a profile, a presence, a usage, an activity, or a connection associated with the social media account.

4. The system of claim 1 , wherein the at least one processor is further configured to perform operations comprising:

determining the account is in the second mode when the account balance is negative.

5. The system of claim 1 , wherein the at least one processor is further configured to perform operations comprising:

determining the account is in the second mode when the account balance is less than a predetermined amount.

6. The system of claim 1 , wherein the at least one processor is further configured to perform operations comprising:

determining the account is in the second mode when the account balance is less than a predetermined percentage of a periodically occurring deposit.

7. The system of claim 1 , wherein the at least one processor is further configured to perform operations comprising:

determining the account is in the second mode when a predicted account balance is negative.

8. A computer-implemented method for performing, by at least one processor, operations associated with a first mode or a second mode, the first mode being a separate and distinct mode of software operation than the second mode, the first mode involving functions that the at least one processor is unable to perform while in the second mode comprising:

associating a user with an account at an institution;

associating the user with a social account at a social account platform;

associating the user with a mobile device unique identifier for a mobile device, the mobile device being configured with location services to determine a geolocation of the mobile device;

transmitting to the mobile device for display on a first user interface associated with the first mode, based on the mobile device unique identifier, an option to grant permission to link the account and the social media account;

receiving from the mobile device a response to the option, the response providing permission to link the account and the social media account;

linking, based on the response, the account and the social media account;

determining an account balance associated with the account;

determining, based on the account balance, whether the account is in the second mode, wherein the account balance comprises a future balance predicted based on social media data related to the user; and

in response to a determination that the account is in the second mode, transmitting to the social media account a notification indicating that the account is in the second mode and disabling for display the first user interface; and

providing for display, on a display of the mobile device, a second user interface associated with the second mode with a limited number of setup options, based on the determination that the account is in the second mode, the limited number of setup options comprising:

a setup interface for at least one default payment behavior when the account is in the second mode, comprising an option for notification alerts, automatic time extensions, and a card lock for a card associated with the account;

transmitting, to the social media account a second notification indicating the account is locked based on the second mode;

transmitting, for display on the mobile device, a plurality of management options based on the limited number of setup options to manage the account when the account is in the second mode, wherein the plurality of options are configured to be presented for a specific period of availability;

determining, based on location services of the mobile device, the geolocation of the mobile device;

receiving, from a third party system, a request for a transaction associated with the card;

determining, based on the determined geolocation of the mobile device, that the mobile device is at a predetermined location;

temporarily unlocking the card to permit one or more new transactions associated with the predetermined location while the account is in the second mode.

9. The method of claim 8 , wherein the at least one processor performs operations further comprising:

transmitting the notification by sending one or more direct messages to the social media account.

10. The method of claim 8 , wherein the at least one processor performs operations further comprising:

accessing, based on the response providing permission, information associated with at least one of a profile, a presence, a usage, an activity, or a connection associated with the social media account.

11. The method of claim 8 , wherein the at least one processor performs operations further comprising:

determining the account is in the second mode when the account balance is negative.

12. The method of claim 8 , wherein the at least one processor performs operations further comprising:

determining the account is in the second mode when the account balance is less than a predetermined amount.

13. The method of claim 8 , wherein the at least one processor performs operations further comprising:

determining the account is in the second mode when the account balance is less than a predetermined percentage of a periodically occurring deposit.

14. The method of claim 8 , wherein the at least one processor performs operations further comprising:

determining the account is in the second mode when a predicted account balance is negative.

15. A tangible, non-transitory computer-readable medium comprising instructions that, when executed by at least one processor, cause the at least one processor to perform operations associated with a first mode or a second mode, the first mode being a separate and distinct mode of operation than the second mode, the first mode involving functions that the at least one processor is unable to perform while in the second mode comprising:

associating a user with an account at an institution;

linking 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;

associating the user with a social account at a social account platform;

transmitting to the mobile device for display on a first user interface associated with the first mode, based on the mobile device unique identifier, an option to grant permission to link the account and the social media account;

linking the account and the social media account;

determining an account balance associated with the account;

determining, based on the account balance, whether the account is in the second mode, wherein the account balance comprises a future balance predicted based on social media data related to the user; and

in response to a determination that the account is in the second mode, transmitting to the social media account a notification indicating that the account is in the second mode and disabling for display the first user interface; and

providing for display, on a display of the mobile device, a second user interface associated with the second mode with a limited number of setup options, based on the determination that the account is in the second mode, the limited number of setup options comprising:

a setup interface for at least one default payment behavior when the account is in the second mode, comprising an option for notification alerts, automatic time extensions, and a card lock for a card associated with the account;

transmitting, to the social media account a second notification indicating the account is locked based on the second mode;

transmitting, for display on the mobile device, a plurality of management options based on the limited number of setup options to manage the account when the account is in the second mode, wherein the plurality of options are configured to be presented for a specific period of availability;

determining, based on location services of the mobile device, the geolocation of the mobile device;

receiving, from a third party system, a request for a transaction associated with the card;

determining, based on the determined geolocation of the mobile device, that the mobile device is at a predetermined location;

temporarily unlocking the card to permit one or more new transactions associated with the predetermined location while the account is in the second mode.

16. The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the at least one processor to perform operations comprising:

transmitting the notification by sending one or more direct messages to the social media account.

17. The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the at least one processor to perform operations comprising:

transmitting to a mobile device associated with the user an option to grant permission to link the account and the social media account;

receiving from the mobile device a response to the option, the response providing permission to link the account and the social media account; and

linking, based on the response, the account and the social media account.

18. The non-transitory computer-readable medium of claim 17 , wherein the instructions further cause the at least one processor to perform operations comprising:

accessing, based on the response providing permission, information associated with at least one of a profile, a presence, a usage, an activity, or a connection associated with the social media account.

19. The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the at least one processor to perform operations comprising:

determining the account is in the second mode when the account balance is negative.

20. The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the at least one processor to perform operations comprising:

determining the account is in the second mode when the account balance is less than a predetermined amount.

21. The system of claim 1 , wherein the notification transmitted to the social media account includes information relating to a period of time to cure a negative balance and a negative balance fee to be assessed if the negative balance is not cured within the period of time.

22. The system of claim 21 , wherein the notification transmitted to the social media account includes information indicating that the account is no longer in the second mode when the negative balance is cured.

Assignments (2)

Continuity (2)

References Cited (400)