Patents by Inventor Todd Tkach

Todd Tkach has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • SYSTEMS AND METHODS FOR MANAGING A FINANCIAL ACCOUNT IN A LOW-CASH MODE
    Publication number: 20260099831
    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.
    Type: Application
    Filed: December 1, 2025
    Publication date: April 9, 2026
    Inventors: Urich T. BOWERS, Mecal McDADE, Todd TKACH, Mike KIRCH, Eric ROMANTINO, Matthew BARRETT
  • SYSTEMS AND METHODS FOR MANAGING A FINANCIAL ACCOUNT IN A LOW-CASH MODE
    Publication number: 20260087470
    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.
    Type: Application
    Filed: December 1, 2025
    Publication date: March 26, 2026
    Inventors: Urich T. BOWERS, Mecal McDADE, Todd TKACH, Mike KIRCH, Eric ROMANTINO, Matthew BARRETT
  • Systems and methods for generating dynamic graphical user interface control panels
    Patent number: 12579527
    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.
    Type: Grant
    Filed: August 24, 2023
    Date of Patent: March 17, 2026
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12572909
    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.
    Type: Grant
    Filed: April 26, 2024
    Date of Patent: March 10, 2026
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Bill Demchak, Mecal McDade, Todd Tkach, Scott Braun
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12572908
    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.
    Type: Grant
    Filed: August 3, 2021
    Date of Patent: March 10, 2026
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh
  • Systems and methods for electronic database communications
    Patent number: 12321910
    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.
    Type: Grant
    Filed: October 28, 2022
    Date of Patent: June 3, 2025
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
  • Systems and methods for electronic database communications
    Patent number: 12299653
    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.
    Type: Grant
    Filed: July 6, 2021
    Date of Patent: May 13, 2025
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, Jeremy Moore, Fernando Alfaro, Rob Haberstroh
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12299654
    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.
    Type: Grant
    Filed: July 19, 2021
    Date of Patent: May 13, 2025
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, Matthew Barrett
  • Systems and methods for electronic database communications
    Patent number: 12299652
    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.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: May 13, 2025
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino
  • Systems and methods for electronic database communications
    Patent number: 12223477
    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.
    Type: Grant
    Filed: February 1, 2021
    Date of Patent: February 11, 2025
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Mike Kirch, Eric Romantino
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12198112
    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.
    Type: Grant
    Filed: June 3, 2021
    Date of Patent: January 14, 2025
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12190300
    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.
    Type: Grant
    Filed: August 12, 2021
    Date of Patent: January 7, 2025
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12182780
    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.
    Type: Grant
    Filed: August 16, 2021
    Date of Patent: December 31, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Mike Kirch, Eric Romantino
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12169817
    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.
    Type: Grant
    Filed: May 6, 2021
    Date of Patent: December 17, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller, Jeremy Moore, Fernando Alfaro
  • Systems and methods for electronic database communications
    Patent number: 12154082
    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.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: November 26, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12131304
    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.
    Type: Grant
    Filed: July 6, 2021
    Date of Patent: October 29, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12125008
    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.
    Type: Grant
    Filed: July 19, 2021
    Date of Patent: October 22, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, Matthew Barrett
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12099980
    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.
    Type: Grant
    Filed: August 3, 2021
    Date of Patent: September 24, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach
  • Systems and methods for managing a financial account in a low-cash mode
    Patent number: 12020223
    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.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: June 25, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley, Jerry Scheller, Mike Kirch, Eric Romantino
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    Patent number: D1033482
    Type: Grant
    Filed: May 17, 2022
    Date of Patent: July 2, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Jerry Scheller, Todd Tkach