# US 11,907,919 B1 · Systems and methods for integrating web platforms with mobile device operations > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,907,919 B1 - Document ID: US11907919B1 - Status: Granted - Kind: B1 - Application number: 17/164,394 - Filed: 2021-02-01 - Granted: 2024-02-20 - Earliest claimed: 2020-02-28 - Assignees: The PNC Financial Services Group, Inc. - Applicants: The PNC Financial Services Group, Inc. - Inventors: Urich T. Bowers; Mecal McDade; Todd Tkach; Mike Ley - Web page: https://patentgrep.com/patent/US11907919B1 ## CPC - G06Q 20/108: {Remote banking, e.g. home banking} - G06N 20/00: Machine learning - G06Q 20/3221: {Access to banking information through M-devices} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3263: {characterised by activation or deactivation of payment capabilities} - G06Q 20/403: {Solvency checks} - G06Q 20/4037: {Remote solvency checks} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 30/0283: Price estimation or determination - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/03: Credit; Loans; Processing thereof - G06Q 40/06: Asset management; Financial planning or analysis - G06F 2221/2131: Lost password, e.g. recovery of lost or forgotten passwords - G06Q 10/40: Business processes related to social networking or social networking services - G06Q 20/023: {the neutral party being a clearing house} - G06Q 30/0185: {Product, service or business identity fraud} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value. ## Claims ### Claim 1 A system for integrating financial services with website platforms, comprising: a memory storing instructions; and at least one processor configured to execute the instructions to perform operations associated with a first account state or a second account state, the first account state being a separate and distinct mode of software operation than the second account state, the first account state involving functions that the at least one processor is unable to perform while in the second account state, the operations comprising: associating a user with a financial account at a financial institution; associating the user with a social media account; linking the financial account with the social media account, by receiving and storing social media account data associated with the social media account; associating a mobile device of the user with the financial account; determining using a machine learning algorithm that the financial account is in the first account state; providing a user interface accessible via the mobile device; providing a first set of selectable controls associated with processing a plurality of electronic transactions, including one or more account funding controls; determining an account balance of the financial account; determining a predicted account balance of the financial account; determining using the machine learning algorithm whether the financial account is in the second account state by: comparing the account balance to at least one predetermined threshold; comparing the predicted account balance to the at least one predetermined threshold; and determining that the financial account is in the second account state if the account balance or the predicted account balance is a positive balance below the at least one predetermined threshold; transmitting a notification, via a social media website associated with the social media account, to the user when the financial account is in second account state, wherein the notification includes a link directing the user to the user interface; opening the user interface associated with the user's financial account on the mobile device based on the link; in response to the determination that the account is in the second account state, disabling the first set of selectable controls of the first account state, enabling a second set of selectable controls of the second account state associated with the user interface, and keeping the second set of selectable controls of the second account state enabled until the account is removed from the second account state by increasing the account balance above the at least one predetermined threshold, wherein the second set of selectable controls is different from the first set of selectable controls but has at least one control in common with the first set of selectable controls, the at least one control in common comprises the one or more account funding controls, and the second set of selectable controls includes a set of electronic transaction controls restricted to the one or more account funding controls, one or more default payment controls for processing a previously scheduled automatic payment or a check, and an option to lock or unlock a financial card associated with the financial account; receiving, from the user interface, a request to manage the one or more default payment controls associated with the financial account; responsive to the request, providing a dashboard configuration for display in the user interface, the dashboard configuration includes at least one toggle control for rejecting the automatic payment; and in response to the account exiting the second account state: disabling the second set of selectable controls; and enabling the first set of selectable controls. ### Claim 2 (depends on 1) The system of claim 1, wherein the financial account is managed via a virtual wallet. ### Claim 3 (depends on 1) The system of claim 1, wherein the notification further includes options to manage the financial account when the financial account is in the second account state. ### Claim 4 (depends on 1) The system of claim 1, wherein linking the financial account with the social media account includes providing the financial institution with access to social media account data. ### Claim 5 (depends on 4) The system of claim 4, 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. ### Claim 6 A system for integrating financial services with website platforms, comprising: a memory storing instructions; and at least one processor configured to execute the instructions to perform operations associated with a first account state or a second account state, the first account state being a separate and distinct mode of account operation than the second account state, the first account state involving functions that the at least one processor is unable to perform while in the second account state comprising: associating a user with a financial account at a financial institution; associating the user with a social media account; determining using a machine learning algorithm that the financial account is in the first account state; presenting an option for the user to grant the financial institution permission to link the financial account and the social media account; receiving permission to link the financial account and the social media account; linking the financial account with the social media account, by receiving and storing social media account data associated with the social media account; associating a mobile device of the user with the financial account; determining the financial account is in the first account state; providing a user interface accessible via the mobile device; providing a first set of selectable controls associated with processing a plurality of electronic transactions, including one or more account funding controls; determining an account balance of the financial account; determining a predicted account balance of the financial account; determining using the machine learning algorithm whether the financial account is in the second account state by: comparing the account balance to at least one predetermined threshold; comparing the predicted account balance to the at least one threshold; and determining that the financial account is in the second account state if the account balance or the predicted account balance is a positive balance below the at least one predetermined threshold; transmitting a notification, via a social media website associated with the social media account, to the user when the financial account is in the second account state, wherein the notification includes a link directing the user to the user interface; opening the user interface associated with the user's financial account on the mobile device based on the link; in response to the determination by the machine learning algorithm that the account is in the second account state, disabling the first set of selectable controls of the first account state, enabling a second set of selectable controls of the second account state associated with the user interface, and keeping the second set of selectable controls of the second account state enabled until the account is removed from the second account state by increasing the account balance above the at least one predetermined threshold, wherein the second set of selectable controls is different from the first set of selectable controls but has at least one control in common with the first set of selectable controls, the at least one control in common comprises the one or more account funding controls, and the second set of selectable controls includes a set of electronic transaction controls restricted to the one or more account funding controls, one or more default payment controls for processing a previously scheduled automatic payment or a check, and an option to lock or unlock a financial card associated with the financial account; receiving, from the user interface, a request to manage the one or more default payment controls associated with the financial account; responsive to the request, providing a dashboard configuration for display in the user interface, the dashboard configuration includes at least one toggle control for rejecting the automatic payment; and in response to the account exiting the second account state: disabling the second set of selectable controls; and enabling the first set of selectable controls. ### Claim 7 (depends on 6) The system of claim 6, wherein the financial account is managed via a virtual wallet. ### Claim 8 (depends on 6) The system of claim 6, wherein the notification further includes options to manage the financial account when the financial account is in the second account state. ### Claim 9 (depends on 6) The system of claim 6, wherein linking the financial account with the social media account includes providing the financial institution with access to social media account data. ### Claim 10 (depends on 9) The system of claim 9, wherein 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. ### Claim 11 A method of integrating financial services with website platforms, the method comprising the following steps performed by one or more processors: associating a user with a financial account at a financial institution; associating the user with a social media account; linking the financial account with the social media account, by receiving and storing social media account data associated with the social media account; associating a mobile device of the user with the financial account; determining using a machine learning algorithm the financial account is in a first account state; providing a user interface accessible via the mobile device; providing a first set of selectable controls associated with processing a plurality of electronic transactions, including one or more account funding controls; determining an account balance of the financial account; determining a predicted account balance of the financial account; determining using the machine learning algorithm whether the financial account is in a second account state by: comparing the account balance to at least one predetermined threshold; comparing the predicted account balance to the at least one threshold; determining that the financial account is in the second account state if the account balance or the predicted account balance is a positive balance below the at least one predetermined threshold; wherein the second account state is a separate and distinct mode of software operation than the first account state, the first account state involving functions that the at least one processor is unable to perform while in the second account state; transmitting a notification, via a social media website associated with the social media account, to the user when the financial account is in the second account state, wherein the notification includes a link directing the user to the user interface; opening the user interface associated with the customer's user's financial account on the mobile device based on the link; in response to the determination by the machine learning algorithm that the account is in the second account state, disabling the first set of selectable controls of the first account state associated with the user interface, enabling a second set of selectable controls of the second account state associated with the user interface, and keeping the second set of selectable controls remains enabled until the account is removed from the second account state by increasing the account balance above the at least one predetermined threshold, wherein the second set of selectable controls is different from the first set of selectable controls but has at least one control in common with the first set of selectable controls, the at least one control in common comprises the one or more account funding controls, and the second set of selectable controls includes a set of electronic transaction controls restricted to the one or more account funding controls, one or more default payment controls for processing a previously scheduled automatic payment or a check, and an option to lock or unlock a financial card associated with the financial account; receiving, from the user interface, a request to manage the one or more default payment controls associated with the financial account; responsive to the request, providing a dashboard configuration for display in the user interface, the dashboard configuration includes at least one toggle control for rejecting the automatic payment; and in response to the account exiting the second account state: disabling the second set of selectable controls; and enabling the first set of selectable controls. ### Claim 12 (depends on 1) The system of claim 1, wherein the at least one processor is configured to execute the instructions to perform further operations comprising: analyzing data collected by the social media account using a machine learning algorithm. ### Claim 13 (depends on 6) The system of claim 6, wherein the at least one processor is configured to execute the instructions to perform further operations comprising: analyzing data collected by the social media account using a machine learning algorithm. ### Claim 14 (depends on 1) The system of claim 1, wherein the predicted account balance of the financial account is determined using the social media account data. ### Claim 15 (depends on 14) The system of claim 14, wherein the social media account data includes data associated with: a social media profile; a social media presence; a social media usage; at least one social media activity; and at least one social media connection. ### Claim 16 (depends on 1) The system of claim 1, wherein the predicted account balance of the financial account is determined using at least one of a predicted reoccurring expense, a scheduled transaction, a previous transaction, a processing transaction, a predicted deposit, and a pattern of transactions associated with the financial account. ### Claim 17 (depends on 1) The system of claim 1, wherein the predicted account balance of the financial account is determined using a spending tendency determined using historical data obtained from the social media account. ### Claim 18 (depends on 1) The system of claim 1, wherein determining a predicted account balance of the financial account includes receiving a selection of a payment to be analyzed or given greater weight. ### Claim 19 (depends on 6) The system of claim 6, wherein the predicted account balance of the financial account is determined using the social media account data. ### Claim 20 (depends on 19) The system of claim 19, wherein the social media account data includes data associated with: a social media profile; a social media presence; a social media usage; at least one social media activity; and at least one social media connections. ### Claim 21 (depends on 6) The system of claim 6, wherein the predicted account balance of the financial account is determined using at least one of a predicted reoccurring expense, a scheduled transaction, a previous transaction, a processing transaction, a predicted deposit, and a pattern of transactions associated with the financial account. ### Claim 22 (depends on 6) The system of claim 6, wherein the predicted account balance of the financial account is determined using a spending tendency determined using historical data obtained from the social media account. ### Claim 23 (depends on 6) The system of claim 6, wherein determining a predicted account balance of the financial account includes receiving a selection of a payment to be analyzed or given greater weight. ### Claim 24 (depends on 1) The system of claim 1, wherein a user's spending habits, the account balance, and a user's geolocation are used as inputs for the machine learning algorithm. ### Claim 25 (depends on 1) The system of claim 1, wherein the machine learning algorithm generates a first prediction indicating whether the account balance will dip below the at least one predetermined threshold. ### Claim 26 (depends on 1) The system of claim 1, wherein the operations further include: monitoring the mobile device's geolocation to predict, using machine learning, whether the user is at a location where spending has previously taken place; and predict, based on the account balance and the at least one predetermined threshold, whether the financial account will enter the second account state.