Granted Patent B1

US 12,299,654 · App. 17/379,447 · 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); Matthew Barrett (Pittsburgh, PA)

Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.

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

Abstract

Claims (92)

1. A system comprising:

a memory storing instructions; and

at least one processor configured to execute the instructions to perform operations comprising:

associating a user with a first account;

storing financial history data associated with the user;

storing account history data associated with the first account;

associating a first mode of operation and a second mode of operation with the first account, the first mode of operation being a separate and distinct mode of software operation than the second mode of operation, the first mode of operation involving functions that the at least one processor is unable to perform while in the second mode of operation;

generating a user interface for display on a mobile device through an installed mobile application, the user interface including a plurality of setup graphical user interfaces, including:

a first setup interface for receiving a first setting for a threshold, wherein the first setup interface provides a first interactive sliding control configured to receive a quantity selection associated with the threshold;

a second setup interface for receiving a second setting for an account lock, wherein the second setup interface provides a lock option to lock the first account when the first account is below the threshold and a transaction option to decline pending transactions associated with the first account; and

a third setup interface for receiving a third setting for an account transfer, wherein the third setup interface provides an account option configured to receive information associated with a second account for the account transfer and an amount option configured to receive a transfer amount for the account transfer;

accessing non-financial data associated with the user;

analyzing the financial history data, the account history data, and the non-financial data using a machine learning model;

determining a future account balance of the first account based on an output of the machine learning model;

determining whether the future account balance is below the threshold and if below the threshold, disabling the first mode of operation and triggering the second mode of operation;

responsive to triggering the second mode of operation:

cancelling or declining a pending transaction;

completing the account transfer; and

updating the future account balance of the account based on the cancelled or declined pending transaction and the account transfer;

maintaining the second mode of operation while the future account balance is below the threshold;

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

an indication that the installed mobile application is operating in the second mode of operation;

an indication that the future account balance is below the threshold;

an indication that the cancelled or declined pending transaction has been cancelled or declined;

an indication that the account transfer was completed; and

an indication that the second mode of operation will be active while the future account balance is below the threshold;

providing for display through the user interface a set of payment recommendations based on the output of the machine learning model;

receiving, through the user interface while in the second mode of operation, one or more responses to the set of payment recommendations;

making a payment based on the one or more responses to the set of payment recommendations;

updating the future account balance of the account based on the and the machine learning model to determine an updated future account balance; and

determining whether the updated future account balance is above the threshold and if above the threshold, disabling the second mode of operation and restoring the first mode of operation.

2. The system of claim 1 , the operations further comprising:

providing for display through the user interface a time period on a calendar, wherein the time period is a duration for which the future account balance is predicted to be below the threshold;

predicting a transaction based on predicted transaction information, wherein the predicted transaction information includes a time period related to a financial status of the user; and

providing for display through the user interface the predicted transaction on the calendar of the mobile device.

3. The system of claim 2 , the operations further comprising:

receiving an indication from the user that an individual predicted transaction is incorrect; and

removing the individual predicted transaction from the determination of the future account balance.

4. The system of claim 2 , the operations further comprising:

receiving an additional predicted transaction; and

including the additional predicted transaction in the determination of the future account balance, wherein the determination of the future account balance of the first account is based on one or more scheduled transactions.

5. The system of claim 1 , wherein analyzing the financial history data includes identifying a pattern of transactions and predicting a cashflow relating to the account.

6. The system of claim 5 , wherein identifying the pattern of transactions includes identifying at least one predicted transaction time period and at least one predicted transaction amount.

7. The system of claim 5 , wherein identifying the pattern of transactions includes identifying at least one deposit transaction, at least one withdrawal transaction, an amount associated with the at least one deposit transaction, and an amount associated with the at least one withdrawal transaction.

8. The system of claim 1 , wherein the non-financial data includes at least one of calendar data and weather data.

9. The system of claim 1 , wherein the installed mobile application is in the second mode of operation when the future account balance is negative.

10. The system of claim 1 , wherein the transaction option further includes a decline-transactions time period during which to decline the one or more pending transactions.

11. A computer-implemented method for predicting cash flow, comprising:

associating a user with a first account;

storing financial history data associated with the user;

storing account history data associated with the first account;

associating a first mode of operation and a second mode of operation with the first account, the first mode of operation being a separate and distinct mode of software operation than the second mode of operation, the first mode of operation involving functions that the at least one processor is unable to perform while in the second mode of operation;

generating a user interface for display on a mobile device through an installed mobile application, the user interface including a plurality of setup graphical user interfaces, including:

a first setup interface for receiving a first setting for a threshold, wherein the first setup interface provides a first interactive sliding control configured to receive a quantity selection associated with the threshold;

a second setup interface for receiving a second setting for an account lock, wherein the second setup interface provides a lock option to lock the first account when the first account is below the threshold and a transaction option to decline pending transactions associated with the first account; and

a third setup interface for receiving a third setting for an account transfer, wherein the third setup interface provides an account option configured to receive information associated with a second account for the account transfer and an amount option configured to receive a transfer amount for the account transfer;

accessing non-financial data associated with the user;

analyzing the financial history data, the account history data, and the non-financial data using a machine learning model;

determining a future account balance of the account based on an output of the machine learning model;

determining whether the future account balance is below the threshold and if below the threshold, disabling the first mode of operation and triggering the second mode of operation;

responsive to triggering the second mode of operation:

cancelling or declining a pending transaction;

completing the account transfer; and

updating the future account balance of the account based on the cancelled or declined pending transaction and the account transfer;

maintaining the second mode of operation while the future account balance is below the threshold;

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

an indication that the installed mobile application is operating in the second mode of operation;

an indication that the future account balance is below the threshold;

an indication that the cancelled or declined transaction has been cancelled or declined;

an indication that the account transfer was completed; and

an indication that the second mode of operation will be active while the future account balance is below the threshold;

providing for display through the user interface a set of payment recommendations based on the output of the machine learning model;

receiving, through the user interface while in the second mode of operation, one or more responses to the set of payment recommendations;

making a payment based on the one or more responses to the set of payment recommendations;

updating the future account balance of the account based on the and the machine learning model to determine an updated future account balance; and

determining whether the updated future account balance is above the threshold and if above the threshold, disabling the second mode of operation and restoring the first mode of operation.

12. The computer-implemented method of claim 11 , further comprising:

providing for display through the user interface a time period on a calendar on the mobile device, wherein the time period is a duration for which the future account balance is predicted to be below the threshold;

predicting a transaction based on predicted transaction information, wherein the predicted transaction information includes a time period related to a financial status of the user; and

providing for display through the user interface the predicted transaction on the calendar of the mobile device.

13. The computer-implemented method of claim 12 , comprising:

receiving an indication from the user that an individual predicted transaction is incorrect; and

removing the individual predicted transaction from the determination of the future account balance, wherein the determination of the future account balance of the account is based on one or more scheduled transactions.

14. The computer-implemented method of claim 12 , further comprising:

receiving an additional predicted transaction; and

including the additional predicted transaction in the determination of the future account balance, wherein the future account balance of the first account is based on one or more scheduled transactions.

15. The computer-implemented method of claim 11 , wherein analyzing the financial history data includes identifying a pattern of transactions and predicting a cashflow relating to the account.

16. The computer-implemented method of claim 15 , wherein identifying the pattern of transactions includes identifying at least one predicted transaction time period and at least one predicted transaction amount.

17. The computer-implemented method of claim 15 , wherein identifying the pattern of transactions includes identifying at least one deposit transaction, at least one withdrawal transaction, an amount associated with the at least one deposit transaction, and an amount associated with the at least one withdrawal transaction.

18. The computer-implemented method of claim 11 , wherein the non-financial data includes at least one of calendar data and weather data.

19. The computer-implemented method of claim 11 , wherein the installed mobile application is in the second mode of operation when the future account balance is negative.

20. The computer-implemented method of claim 11 , wherein the transaction option further includes a decline-transactions time period during which to decline the one or more pending transactions.

Assignments (2)

Continuity (2)

References Cited (400)