Systems and methods for projecting and managing cash flow for financial accounts

US10402910B1 · kind B1 · utility

Assignee

• The PNC Financial Services Group, Inc. · US

Inventors

• Thomas Kunz · Pittsburgh, US
• Michael Golden · Pittsburgh, US
• Michael Kirch · New York, US
• Darcel Steber · Erie, US
• Janet Hoyt · McMurray, US
• Peter Bird · Ann Arbor, US
• Francisca Barros · Brookline, US
• Daniel DeRuntz
• Islam Elsedoudi · Cambridge, US
• Anna Engström · Brookline, US
• Michelle Kwasny · Cambridge, US
• Scott Mackie · North East, US
• Stacey McCullough · Arlington, US
• Pierre-Alexandre Poirier · Saint-Eustache, CA
• Todd Vanderlin · Cambridge, US
• Colin Raney · Lexington, US

Key dates

• Filing date: Dec 6, 2013
• Grant date: Sep 3, 2019
• Expiry date: Dec 6, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods are disclosed for managing cash flow, including incoming and outgoing transactions, and mitigating unconfirmed cash shortfalls for an entity's accounts. In an embodiment, a system comprises a processor configured to render an interactive graphical user interface (“GUI”) for the cash flow timeline on a display device. The cash flow timeline displays past and unconfirmed Cash In and Cash Out transactions and any cash shortfalls, which can be mitigated by selecting automatically displayed options. The GUI has a plurality of selectable, actionable user interface (“UI”) elements. In an embodiment, the GUI comprises a UI element selectable to display bar graphs for selected time periods of the cash flow timeline. The GUI also comprises Cash In and Cash Out centers. In embodiments, methods employ the Cash In/Out centers to add, edit, schedule and delete Cash In and Cash Out transactions such as transfers, expenses, bills, receivables, and payables.