Patents Assigned to The PNC Financial Services Group, Inc.
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Patent number: 11966891Abstract: 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.Type: GrantFiled: January 4, 2021Date of Patent: April 23, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore
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Patent number: 11966892Abstract: 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.Type: GrantFiled: May 3, 2021Date of Patent: April 23, 2024Assignee: The PNC Financial Service Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach
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Patent number: 11966893Abstract: 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.Type: GrantFiled: August 3, 2021Date of Patent: April 23, 2024Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley
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Patent number: 11947563Abstract: Systems and methods are provided for collecting and sharing digital experience information. A system for collecting and distributing digital experience information may comprise a digital experience application that may be configured to host a plurality of micro-applications, a first micro-application being able to be configured to detect application events and application states; a connector that may be configured to receive information corresponding to detected application events and application states and belonging to a category; an event backbone that may be configured to route the information received by the connector based on the category; a database that may be configured to store the received information; wherein the event backbone may be further configured to send information to the connector from the event backbone and the database based on one or more criteria; and wherein a second micro-application may be configured to receive information belonging to the category from the connector.Type: GrantFiled: September 2, 2020Date of Patent: April 2, 2024Assignee: The PNC Financial Services Group, Inc.Inventor: Michael Nitsopoulos
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Patent number: 11935019Abstract: 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.Type: GrantFiled: July 6, 2021Date of Patent: March 19, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro
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Patent number: 11928656Abstract: 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.Type: GrantFiled: March 15, 2021Date of Patent: March 12, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, Scott Braun
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Patent number: 11928655Abstract: 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.Type: GrantFiled: November 3, 2020Date of Patent: March 12, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mike Kirch, Eric Romantino
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Patent number: 11907919Abstract: 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.Type: GrantFiled: February 1, 2021Date of Patent: February 20, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley
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Patent number: 11900143Abstract: In one implementation, systems and methods are provided for developing a computer-implemented digital experience application having a first and a second micro-application. Each micro-application includes a front end interface configured to receive and display information. The first micro-application includes a first event manager configured to detect an application event belonging to a category, and a first state manager configured to detect an application state belonging to the category. The digital experience application further includes a driver application configured to host the first and second micro-applications, an event hub configured to receive the detected application event from the first micro-application, and a state store configured to store the detected application state received from the first micro-application.Type: GrantFiled: February 1, 2022Date of Patent: February 13, 2024Assignee: The PNC Financial Services Group, Inc.Inventor: Michael Nitsopoulos
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Patent number: 11893555Abstract: 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.Type: GrantFiled: March 15, 2021Date of Patent: February 6, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
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Patent number: 11893556Abstract: 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.Type: GrantFiled: May 3, 2021Date of Patent: February 6, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch
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Patent number: 11893557Abstract: 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.Type: GrantFiled: May 7, 2021Date of Patent: February 6, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh
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Patent number: 11875320Abstract: 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.Type: GrantFiled: September 21, 2020Date of Patent: January 16, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
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Patent number: 11868978Abstract: 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.Type: GrantFiled: May 7, 2021Date of Patent: January 9, 2024Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore, Robert Haberstroh
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Patent number: 11861574Abstract: 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.Type: GrantFiled: March 15, 2021Date of Patent: January 2, 2024Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
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Patent number: 11854075Abstract: Embodiments of the systems and methods of using the same are configured to provide a financial solution product for customers seeking financing and advice for debt consolidation, home improvement, financing for school loans, finding the right credit card, and financing collateral. The systems and methods provide a means to dynamically calculate multiple financial solution products and present them to a user.Type: GrantFiled: March 29, 2021Date of Patent: December 26, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Charles H. May, Daniel Tallarico, Jason Faybik, Granville Wagner, Roxanne Hutchinson, Kelly Price, Dejan Pujic, Rahul Deol Sinha
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Patent number: 11847623Abstract: 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.Type: GrantFiled: May 6, 2021Date of Patent: December 19, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro
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Patent number: 11847582Abstract: 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.Type: GrantFiled: May 7, 2021Date of Patent: December 19, 2023Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh
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Patent number: 11847581Abstract: 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.Type: GrantFiled: November 6, 2020Date of Patent: December 19, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Bill Demchak, Mecal McDade, Todd Tkach, Scott Braun
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Patent number: 11789788Abstract: In one implementation, systems and methods are provided for processing digital experience information. A computer-implemented system for processing digital experience information may comprise a central data location. The central data location may comprise a connector that may be configured to receive information belonging to a category from an information source; an event backbone that may be configured to route the information received by the connector based on the category; a translator that may be configured to transform the received information into a common data model; and a database that may be configured to store the received information. The event backbone may be further configured to send information to the connector from the event backbone and the database based on one or more criteria.Type: GrantFiled: November 18, 2020Date of Patent: October 17, 2023Assignee: The PNC Financial Services Group, Inc.Inventor: Michael Nitsopoulos