US Patent 12079802 Mobile wallet account balance systems and methods

A computer system acquires account balance information for a first account from a database. The system generates a first screen display showing the account balance information for the first account and provides the first screen display to a mobile device. The system receives a request for a mobile wallet transaction to transfer funds to a recipient and a threshold value for an account balance in the first account. The system determines that the mobile wallet transaction causes the account balance in the first account to decrease below the threshold value, generates a second screen display including a link associated with a second account, and provides the second screen display to the mobile device. The system receives a selection of the link associated with the second account, generates an optical code associated with the second account, and transmits the optical code to the mobile device for the mobile wallet transaction.