System for Managing Financial Account in Low-Cash Mode
Summary
The USPTO published patent application US20260099831A1 for a system enabling automatic fund transfers between financial accounts when a primary account balance falls below a threshold. The system provides user notifications and interface options for initiating transfers to prevent low-cash situations. The application was filed December 1, 2025, and published April 9, 2026.
What changed
The USPTO published a patent application disclosing a system for managing financial accounts in a low-cash mode. The system includes a memory and processor configured to monitor account balances, provide notifications when balances fall below a threshold, present transfer request options to users, execute fund transfers from a secondary account to the primary account, and confirm completion to the user.
For financial institutions and fintech companies, this patent represents potential prior art in the automated account management space. Organizations developing similar low-balance transfer or sweep account features should conduct freedom-to-operate analyses to assess infringement risk. The patent's broad claims covering notification-triggered transfers and multi-account fund movement may affect product development strategies in the banking technology sector.
What to do next
- Review patent claims for freedom-to-operate analysis
- Assess impact on existing financial account management products
- Monitor for potential licensing or infringement considerations
Archived snapshot
Apr 9, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
SYSTEMS AND METHODS FOR MANAGING A FINANCIAL ACCOUNT IN A LOW-CASH MODE
Application US20260099831A1 Kind: A1 Apr 09, 2026
Inventors
Urich T. BOWERS, Mecal McDADE, Todd TKACH, Mike KIRCH, Eric ROMANTINO, Matthew BARRETT
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.
CPC Classifications
G06Q 20/108 G06N 20/00 G06Q 20/3221 G06Q 20/3223 G06Q 20/4037 G06Q 20/405 G06Q 30/0283 G06Q 40/02 G06Q 10/40 G06Q 20/023 G06Q 30/0185
Filing Date
2025-12-01
Application No.
19404212
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