Granted Patent B1

US 12,299,653 · App. 17/367,795 · Granted May 13, 2025

Inventors: Urich T. Bowers (Brideville, PA); Mecal McDade (New Alexandria, PA); Todd Tkach (Wexford, PA); Mike Kirch (Venetia, PA); Eric Romantino (Pittsburgh, PA); Jeremy Moore (Pittsburgh, PA); Fernando Alfaro (Sewickley, PA); Rob Haberstroh (Pittsburgh, PA)

Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.

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

Abstract

Claims (116)

1. A system comprising:

a memory storing instructions;

a database, in electronic communication with the memory, configured to store information comprising:

first account information associated with a first account at an institution, the first account information including account history information;

user information for a user associated with the first account;

a mobile device unique identifier for a mobile device associated with the user;

a first account balance associated with the first account at the institution;

a second account balance associated with a second account at the institution; and

aggregated data associated with other user accounts; and

a processor, in electronic communication with the database, configured to execute the instructions to perform operations comprising:

associating the mobile device unique identifier with the first account based on the first account information;

providing a user interface accessible via the mobile device, the user interface including a first option that, when selected by the user, is configured to trigger a prediction of whether the first account will enter a low cash mode state;

associating the user with a social media account;

presenting a selection in the user interface for the user to grant the institution permission to link the first account and the social media account;

receiving a permission to link the first account and the social media account;

linking the first account with the social media account, by receiving and storing social media account data associated with the social media account;

upon determining the user has selected the first option in the user interface, disabling a non-low cash mode state functionality of the user interface and activating a low cash mode state functionality of the user interface when the account is predicted to enter a low cash mode state:

providing a second option in the user interface, in response to selection of the first option, the second option configured to allow an automatic transfer of funds from the second account to the first account upon activating the low cash mode state;

accessing the aggregated data associated with the other user accounts;

receiving a first future transaction;

receiving a second future transaction;

predicting, in response to selection of the first option, that the first account will enter the low cash mode state based on the account balance, the first future transaction, the second future transaction, the account history information, and the aggregated data associated with the other user accounts;

disabling, based on the prediction, the non-low cash mode state functionality of the user interface, and activating the low cash mode state functionality of the user interface;

transmitting a first notification to the mobile device via a social media website associated with the social media account, to the user indicating that the first account is predicted to enter the low cash mode state wherein the first notification includes a link directing the user to the user interface;

providing through the user interface, in response to the prediction, a third option configured to request cancellation of the first future transaction;

receiving, in response to the third option, a request to cancel the first future transaction;

transferring funds automatically, in response to selection of the second option, from the second account to the first account when the first account is predicted to enter the low cash mode state;

transmitting, to the mobile device for display through the user interface, a second notification the second notification advising the user to review the automatic transfer; and

transmitting, in response to the request and the automatic transfer, a third notification to the mobile device for display through the user interface, the third notification indicating that the first account is not in the low cash mode state;

disabling, in response to the request and the automatic transfer, the low cash and activating the non-low cash mode state functionality of the user interface.

2. The system of claim 1 , wherein the second future transaction is a point of sale transaction.

3. The system of claim 1 , wherein the first future transaction is an Automated Clearing House transaction.

4. The system of claim 1 , wherein the first future transaction is an uncashed check.

5. The system of claim 1 , wherein the first future transaction is a predicted reoccurring expense.

6. A method comprising the steps of:

associating first account information with a first account at an institution, the first account information including account history information;

associating a user with user information and the first account;

associating a mobile device with the user based on a mobile device unique identifier;

associating the mobile device unique identifier with the first account based on the first account information;

providing a user interface accessible via the mobile device, the user interface including a first option that, when selected by the user, is configured to trigger a prediction whether the first account will enter a low cash mode state;

associating the user with a social media account;

presenting a selection in the user interface for the user to grant the institution permission to link the first account and the social media account;

receiving a permission to link the first account and the social media account;

linking the first account with the social media account, by receiving and storing social media account data associated with the social media account;

associating a first account balance with the first account;

associating a second account balance with a second account at the institution;

upon determining the user has selected the first option in the user interface, disabling a non-low cash mode state functionality of the user interface and activating a low cash mode state functionality of the user interface when the account is predicted to enter a low cash mode state:

providing a second option in the user interface in response to selection of the first option, the second option configured to allow an automatic transfer of funds from the second account to the first account upon activating the low cash mode state;

accessing aggregated data associated with other user accounts;

receiving, from the institution, a first future transaction;

receiving, from the institution, a second future transaction;

predicting, in response to selection of the first option, that the first account will enter the low cash mode state based on the first account balance, the first future transaction, the second future transaction, the account history information, and the aggregated data associated with other user accounts;

disabling, based on the prediction, the non-low cash mode state functionality of the user interface, and activating the low cash mode state functionality of the user interface;

transferring funds automatically, in response to selection of the second option, from the second account to the first account when the first account is predicted to enter the low cash mode state;

transmitting a first notification via a social media website associated with the social media account to the user, indicating that the first account is predicted to enter the low cash mode state and advising the user to review the automatic transfer, wherein the first notification includes a link directing the user to the user interface;

providing through the user interface, in response to the prediction, a third option configured to prioritize payment of the second future transaction over payment of the first future transaction;

receiving, in response to the third option, a request to prioritize payment of the second future transaction over payment of the first future transaction;

authorizing, based on the request, payment of the second future transaction;

declining, based on the request, payment of the first future transaction; and

transmitting, to the mobile device for display through the user interface, a second notification including:

a notice of authorizing payment of the second future transaction;

a notice of the declining payment of the first future transaction;

and a notice that the first account is not predicted to be in the low cash mode state;

disabling, in response to the payment of the second future transaction and the declining of payment of the first future transaction, the low cash mode state functionality and activating the non-low cash mode state functionality of the user interface.

7. The method of claim 6 , wherein declining payment of the first future transaction comprises cancelling the first future transaction.

8. The method of claim 6 , wherein declining payment of the first future transaction comprises deferring the first future transaction.

9. The method of claim 6 , wherein the first future transaction is an Automated Clearing House transaction.

10. The system of claim 1 , wherein linking the first user account with the social media account includes providing the institution with access to social media account data.

11. The system of claim 10 , wherein the social media account data includes:

data associated with a social media profile;

data associated with social media usage;

data associated with social media activity; or

data associated with social media connections.

12. The method of claim 1 , wherein the link opens the user interface associated with the user's first account on the mobile device.

13. A system comprising:

a database configured to store information comprising:

first account information associated with a first account at an institution,

user information for a user associated with the first account;

a mobile device unique identifier for a mobile device associated with the user;

a first account balance associated with the first account at the institution;

a second account balance associated with a second account at the institution; and

aggregated data associated with other user accounts;

a first processor, in electronic communication with the database, configured to:

provide a user interface accessible via the mobile device, the user interface including a first option that when selected by the user is configured to trigger a prediction of whether the first account will enter a low cash mode state;

upon determining the user has selected the first option in the user interface, disabling a non-low cash and activating a low cash mode state functionality of the user interface when the account is predicted to enter a low cash mode state;

associate the user with a social media account;

present a selection in the user interface for the user to grant the institution permission to link the first account and the social media account;

receive a permission to link the first account and the social media account;

link the first account with the social media account, by receiving and storing social media account data associated with the social media account;

provide a second option in the user interface in response to selection of the first option, the second option configured to allow an automatic transfer of funds from the second account to the first account upon activating the low cash mode state;

access the aggregated data associated with the other user accounts;

access the user first account information;

receive the first account balance from the database;

receive a first future transaction;

receive a second future transaction;

predict, in response to selection of the first option, that the first account will enter the low cash mode state based on the first account balance, the first future transaction, the second future transaction, a future first account balance, and the aggregated data associated with the other user accounts;

disable, based on the prediction, the non-low cash mode state functionality of the user interface and activating the low cash mode state functionality of the user interface;

transmit a first notification to the mobile device via a social media website associated with the social media account to the user indicating that the first account is predicted to enter the low cash mode state wherein the first notification includes a link directing the user to the user interface;

transfer funds automatically, in response to selection of the second option, from the second account to the first account when the first account is predicted to enter the low cash mode state;

determine whether the first account is in the low cash mode state based on the first account balance and the future first account balance; and

provide, though the user interface, in response to the determination, a third option configured to request cancellation of the first future transaction; and

a second processor, in electronic communication with the database and the mobile device, configured to:

receive, in response to the third option, a request to prioritize payment of the second future transaction over payment of the first future transaction;

remove, based on the request, the first account from the low cash mode state;

disable, in response to the request, the low cash mode state functionality and activating the non-low cash mode state functionality of the user interface;

and transmit a second notification to the mobile device for display through the user interface, the second notification indicating that the first account is not in the low cash mode state.

14. The system of claim 13 , wherein the request comprises:

cancelling the first future transaction; and

paying the second future transaction.

15. The system of claim 13 , wherein the request comprises:

deferring the first future transaction; and

paying the second future transaction.

16. The system of claim 13 , wherein the second future transaction is a point of sale transaction.

17. The system of claim 13 , wherein the first future transaction is an Automated Clearing House transaction.

18. The system of claim 13 , wherein the first future transaction is an uncashed check.

19. The system of claim 13 , wherein the first future transaction is a predicted reoccurring expense.

Assignments (2)

Continuity (2)

References Cited (400)