Systems and methods for managing a financial account in a low-cash mode

A system for determining transaction tendencies, comprising:

• a memory storing instructions;
• and
• at least one processor configured to execute the instructions to:
• associate a user with an account at an institution;
• associate, with the 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 account associated with a future time period;
• generate a first set of data associated with the account;
• receive a second set of data from a first database over a network, wherein the second set of data comprises aggregated account data;
• store the first set of data and the second set of data in a second database associated with the institution;
• access a third set of data from a third database of a third-party system;
• apply a first predictive algorithm of a predictive cash flow feature to the first set of data, the second set of data, and the third set of data to generate a historical transaction tendency;
• predict using the historical transaction tendency, at least one historical account prediction associated with a time period;
• apply a second predictive algorithm of the predictive cash flow feature to the at least one historical account prediction and at least one corresponding actual account status to generate an accuracy parameter;
• responsive to determining that the accuracy parameter is below a predetermined threshold:
• adjust, by the predictive cash flow feature, at least one data input from at least one of the first set of data, the second set of data, or the third set of data to generate an updated set of input data;
• apply the first predictive algorithm to the updated set of input data to generate the transaction tendency;
• predict using the transaction tendency, at least one account prediction associated with the future time period;
• determine whether the account will be in the second mode by:
• comparing the at least one account prediction to a second mode threshold;
• and
• determining that the at least one account prediction will be below the second mode threshold within the future time period;
• responsive to determining that the account is in the second mode:
• providing for display, on the application of the mobile device, using the predictive cash flow feature a setup configuration of comprising at least one graphical user interface including a setup interface for receiving:
• a first setting that removes at least one transaction from the first set of data to generate an updated first set of data;
• apply the first predictive algorithm to the updated first set of data, the second set of data, and the third set of data to determine a filtered transaction tendency;
• and
• predict using the filtered transaction tendency, at least one filtered account prediction associated with the future time period.

A system for determining transaction tendencies, comprising:

• a memory storing instructions;
• and
• at least one processor configured to execute the instructions to:
• associate a user with an account at an institution;
• associate, with the 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 account associated with a future time period;
• generate a first set of data associated with the account;
• receive a second set of data from a first database over a network, wherein the second set of data comprises aggregated account data;
• store the first set of data and the second set of data in a second database associated with the institution;
• access a third set of data from a third database of a third-party system;
• apply a first predictive algorithm of a predictive cash flow feature to the first set of data, the second set of data, and the third set of data to generate a historical transaction tendency;
• predict using the historical transaction tendency, at least one historical account prediction associated with a time period;
• apply a second predictive algorithm of the predictive cash flow feature to the at least one historical account prediction and at least one corresponding actual account status to generate an accuracy parameter;
• responsive to determining that the accuracy parameter is below a predetermined threshold:
• adjust, by the predictive cash flow feature, at least one data input from at least one of the first set of data, the second set of data, or the third set of data to generate an updated set of input data;
• apply the first predictive algorithm to the updated set of input data to generate the transaction tendency;
• predict using the transaction tendency, at least one account prediction associated with the future time period;
• determine whether the account will be in the second mode by:
• comparing the at least one account prediction to a second mode threshold;
• and
• determining that the at least one account prediction will be below the second mode threshold within the future time period;
• responsive to determining that the account is in the second mode:
• providing for display, on the application of the mobile device, using the predictive cash flow feature a setup configuration of comprising at least one graphical user interface including a setup interface for receiving:
• a first setting that unselects at least one transaction from the first set of data representing a list of expected expenses to generate an updated first set of data;
• and
• apply the first predictive algorithm to the updated first set of data, the second set of data, and the third set of data to determine a filtered transaction tendency;
• and
• predict using the filtered transaction tendency, at least one filtered account prediction associated with the future time period.

A computer-implemented method of determining transaction tendencies, the method comprising:

• associating a user with an account at an institution;
• associating, with the account, a mobile device unique identifier for a mobile device associated with the user;
• associating an account status with a first mode or a second mode based on a transaction tendency of the account associated with a future time period;
• generating a first set of data associated with the account;
• receiving a second set of data from a first database over a network, wherein the second set of data comprises aggregated account data;
• storing the first set of data and the second set of data in a second database associated with the institution;
• accessing a third set of data from a third database of a third-party system;
• applying a first predictive algorithm of a predictive cash flow feature to the first set of data, the second set of data, and the third set of data to generate a historical transaction tendency;
• predicting using the historical transaction tendency, at least one historical account prediction associated with a time period;
• applying a second predictive algorithm of the predictive cash flow feature to the at least one historical account prediction and at least one corresponding actual account status to generate an accuracy parameter;
• responsive to determining that the accuracy parameter is below a predetermined threshold:
• adjusting, by the predictive cash flow feature, at least one data input from at least one of the first set of data, the second set of data, or the third set of data to generate an updated set of input data;
• applying the first predictive algorithm to the updated set of input data to generate the transaction tendency;
• predicting using the transaction tendency, at least one account prediction associated with the future time period;
• determining whether the account will be in the second mode by:
• comparing the at least one account prediction to a second mode threshold;
• and
• determining that the at least one account prediction will be below the second mode threshold within the future time period;
• responsive to determining that the account is in the second mode:
• providing for display, on the application of the mobile device, using the predictive cash flow feature a setup configuration comprising at least one graphical user interface including a setup interface for receiving:
• a first setting that removes at least one transaction from the first set of data to generate an updated first set of data;
• applying the first predictive algorithm to the updated first set of data, the second set of data, and the third set of data to determine a filtered transaction tendency;
• and
• predicting using the filtered transaction tendency, at least one filtered account prediction associated with the future time period.