Rotating accounts for transfers

• US 10,083,484 B2
• Filed: 11/06/2014
• Issued: 09/25/2018
• Est. Priority Date: 11/06/2013
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Wick, Matthew, Perry, George
• Primary Examiner(s): Baird, Edward J
• Application Number:
  US14/534,970
• Publication Number:
  US 20150127530A1
• Time in Patent Office: 1,419 Days
• Field of Search: 705 35- 40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system and method may create a user interface where a first account may be lined up in relation to a second account and a transfer may move value from the first account to the second account.

Claims

1. A computer-implemented method of using a graphical user interface (GUI) for transferring value from first accounts to second accounts, the method comprising:

storing first data on first accounts wherein the first data comprises first identity data sufficient to identify one of the first accounts and at least one of first summary names that identifies a first account summary for the one of the first accounts;

storing second data on second accounts wherein the second data comprises second identity data sufficient to identify one of the second accounts and one of second summary names that identifies a second account summary for the one of the second accounts;

communicating, by a processor, on the GUI the at least one of the first summary names in a first display space wherein the first summary names being moved through the first display space, wherein the first display space is adjacent to a first previous display space and adjacent to a first next display space;

communicating, by the processor, on the GUI the at least one of the second summary names in a second display space wherein the second summary names being moved through the second display space, wherein the second display space is adjacent to a second previous display space and adjacent to a second next display space;

accepting a communication via the GUI of a transfer value from the one of the first accounts as indicated by the at least one of the first summary names in the first display space to the one of the second accounts as indicated by the at least one of the second summary names in the second display space;

accepting a first movement on the first display area via the GUI wherein the first movement indicates that the first account summary is to be moved to the first previous display space or to the first next display space;

accepting a second movement on the second display area via the GUI wherein the second movement indicates that the second account summary is to be moved to the second previous display space or to the second next display space;

wherein in response to the first movement on the first display area, the first account summary is illustrated on the GUI as moving in a sliding fashion from the first previous display space to the first display space or from the first next display space to the first display space;

wherein in response to the second movement, the second account summary is illustrated as moving in the sliding fashion from the second previous display space to the second display space or from the second next display space to the second display space; and

executing, by the processor, the transfer value to move from the one of the first accounts as indicated by the at least one of the first summary names in the first display space to the one of the second accounts as indicated by the at least one of the second summary names in the second display space when the one of the first accounts in the first display space is in alignment with the one of the second accounts in the second display space.

2. The method of claim 1, wherein the first display space is in alignment with the second display space.

3. The method of claim 1, wherein an alignment indication is used to indicate that the transfer is moving from the first account to the second account.

4. The method of claim 1, further comprising obtaining first balance information for the first account and second balance information for the second account.

5. The method of claim 1, wherein the first summary name includes a first balance in the first account and wherein the second summary name includes a second balance in the second account.

6. The method of claim 1, wherein the first summary name further comprises a first transfer limit comprising a transfer limit on the first account and wherein the second summary name further comprises a second transfer limit on the second account.

7. The method of claim 1, further comprising displaying a confirmation block which displays an option for the transaction to be accepted or canceled.

8. The method of claim 1, further comprising after the transfer has been accepted and completes successfully, displaying new balances in the first account and the second account after the transfer.

9. The method of claim 1, wherein executing comprises determining whether sufficient funds are available and terminating the transfer when the determination is negative.

10. The method of claim 1, further comprising displaying a proposed conversion and allowing the user to accept the conversion in response to a balance of the first account and a balance of the second account are in different denominations.

11. The method of claim 4, further comprising displaying in the first summary in response to the first account has been suspended and displaying in the second summary in response to the second account has been suspended.

12. The method of claim 1, further comprising displaying in the first summary in response to the first account has a fraud alert and displaying in the second summary in response to the second account has a fraud alert.

13. The method of claim 1, further comprising storing additional first account summaries in order in a memory and sequentially fill in openings in any one of the first previous display space, the first display space or the first next display space and wherein first account summaries which are moved out of the first previous display space, the first display space or the first next display space are stored sequentially in the memory.

14. The method of claim 1, further comprising storing additional second account summaries in order in a memory and sequentially fill in openings in any second previous display space, second display space or second next display space and wherein second account summaries which are moved out of the second previous display space, the second display space or the second next display space are stored sequentially in the memory.

15. The method of claim 13, wherein the first account summaries move through the first account display space in a decelerating fashion and wherein the second account summaries move through the second account display space in a decelerating fashion.

16. The method of claim 15, wherein the first account summaries snap into the first account display space and wherein the second account summaries snap into the second account display space.

17. The method of claim 1, further comprising storing additional first account summaries in order in a memory and sequentially fill in openings in the first display space and wherein first account summaries which are moved out of the first display space are stored sequentially in the memory.

18. The method of claim 1, further comprising storing additional second account summaries in a memory and sequentially fill in openings in the second display space wherein second account summaries which are moved out of the second the second display space are stored sequentially in the memory.

19. The method of claim 1, further comprising searching, by the processor, a database for at least one incentive associated with one of the second accounts.

20. The method of claim 19, wherein the searching of the database is based on at least one search criterion comprising one or more of user interest data, demographic data, and geographic data.

21. The method of claim 19, further comprising:

communicating the at least one incentive for display relative to the one of the second accounts;

receiving user selection of the at least one incentive; and

linking the one of the second accounts with the at least one incentive.

22. The method of claim 21, wherein the at least one incentive is associated with a merchant.

23. The method of claim 22, further comprising:

determining that a purchase attempt is being made at the merchant;

determining, by the processor, whether the purchase attempt satisfies a restriction associated with the at least one incentive;

communicating, by the processor, the second summary name of the one of the second accounts, the at least one incentive, and a result of whether the purchase attempt satisfies the restriction for display; and

receiving a request message for requesting authorization to complete a purchase.

24. The method of claim 23, further comprising:

authorizing the purchase; and

applying an account credit to the one of the second accounts associated with the at least one incentive in response to the purchase satisfying the restriction.

25. The method of claim 23, further comprising:

authorizing the purchase; and

causing shipment of a physical product to a predetermined location in response to the purchase satisfying the restriction.

26. A computer-implemented system of transferring value from first accounts to second accounts, the system comprising:

a memory storing first data on the first accounts wherein the first data comprises first identity data sufficient to identify one of the first accounts and at least one of first summary names that identifies a first account summary for the one of the first accounts;

wherein the memory stores second data on the second accounts wherein the second data comprises second identity data sufficient to identify one of the second account and at least one of second summary names that identifies a second account summary for the one of the second accounts;

a processor, coupled to the memory, to execute computer-executable instructions, the computer-executable instructions comprising;

communicating on graphical user interface (GUI) on a display the at least one of the first summary names in a first display space wherein the first summary names being moved through the first display space, wherein the first display space is adjacent to a first previous display space and adjacent to a first next display space;

communicating on the GUI the at least one of the second summary names in a second display space wherein the second summary names being moved through the second display space, wherein the second display space is adjacent to a second previous display space and adjacent to a second next display space;

accepting a communication via the GUI of a transfer value from the one of the first accounts as indicated by the at least one of the first summary names in the first display space to the at least one of the second accounts as indicated by the at least one of the second summary names in the second display space;

accepting a first movement on the first display area on the GUI wherein the first movement indicates that the first account summary is to be moved to the first previous display space or to the first next display space;

wherein in response to the first movement on the first display area, the first account summary is illustrated as moving in a sliding fashion from the first previous display space to the first display space or from the first next display space to the first display space;

accepting a second movement on the second display area on the GUI wherein the second movement indicates that the second account summary is to be moved to the second previous display space or to the second next display space,

wherein in response to the second movement, the second account summary is illustrated as moving in a sliding fashion from the second previous display space to the second display space or from the second next display space to the second display space; and

executing the transfer value to move from the one of the first accounts as indicated by the at least one of the first summary names in the first display space to the one of the second accounts as indicated by the at least one of the second summary names in the second account space when the one of the first accounts in the first display space is in alignment with the one of the second accounts in the second display space.

27. A computer-executable apparatus having a display for presenting graphical user interface (GUI) for transferring value from first accounts to second accounts, the apparatus comprising:

an electronic storage for storing first data on the first accounts wherein the first data comprises first identity data sufficient to identify one of the first account and at least one first summary names that identifies a first account summary for the one of the first accounts;

wherein the electronic storage stores second data on the second accounts wherein the second data comprises second identity data sufficient to identify one of the second account and at least one of second summary names that identifies a second account summary for the one of the second accounts;

a processor, coupled to the electronic storage, executes computer-executable instructions, wherein the computer-executable instructions comprising;

communicating on graphical user interface (GUI) on a display the at least one of the first summary names in a first display space wherein the first summary names being moved through the first display space, wherein the first display space is adjacent to a first previous display space and adjacent to a first next display space;

communicating on the GUI the at least one of the second summary names in a second display space wherein the second summary names being moved through the second display space, wherein the second display space is adjacent to a second previous display space and adjacent to a second next display space;

accepting a communication via the GUI of a transfer value from the one of the first accounts as indicated by the at least one of the first summary names in the first display space to the at least one of the second accounts as indicated by the at least one of the second summary names in the second display space;

accepting a first movement on the first display area on the GUI wherein the first movement indicates that the first account summary is to be moved to the first previous display space or to the first next display space;

wherein in response to the first movement on the first display area, the first account summary is illustrated as moving in a sliding fashion from the first previous display space to the first display space or from the first next display space to the first display space;

accepting a second movement on the second display area on the GUI wherein the second movement indicates that the second account summary is to be moved to the second previous display space or to the second next display space,

wherein in response to the second movement, the second account summary is illustrated as moving in a sliding fashion from the second previous display space to the second display space or from the second next display space to the second display space; and

executing the transfer value to move from the one of the first accounts as indicated by the at least one of the first summary names in the first display space to the one of the second accounts as indicated by the at least one of the second summary names in the second account space when the one of the first accounts in the first display space is in alignment with the one of the second accounts in the second display space.

28. The computer-executable apparatus of claim 27, wherein the processor stores additional second account summaries in order in a memory and sequentially fill in openings in any of the second previous display space, the second display space or the second next display space and wherein the additional second account summaries which are moved out of the second previous display space, the second display space or the second next display space are stored sequentially in the memory.