User interface with controller for selectively redistributing funds between accounts

• US 10,540,712 B2
• Filed: 02/06/2009
• Issued: 01/21/2020
• Est. Priority Date: 02/08/2008
• Status: Active Grant

• Current Assignee: The PNC Financial Services Group, Inc.
• Original Assignee: The PNC Financial Services Group, Inc.
• Inventors: Ley, Michael Scott, Johns, Christine, Bajgier, Christopher Michael, Vondle, David Wisely, Buzzini, Dario Francesco, Chapman, Michael Aaron, Jones, Mark Alexander, Monson, Rodney Hal
• Primary Examiner(s): Wong, Eric T
• Application Number:
  US12/366,711
• Publication Number:
  US 20090204538A1
• Time in Patent Office: 4,001 Days
• Field of Search: 705 35, 705 39
• CPC Class Codes: G06F 3/04847 Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A graphical user interface including a controller for redistributing funds between a first account and a second account. The controller includes a slidable element positionable over a fixed background element to define a first segment and a second segment of the background element. A length of the first segment is representative of a balance of the first account, and a length of the second segment is representative of a balance of the second account.

Claims

1. A computer system comprising:

a processor of a host internet banking system programmed to execute instructions for displaying a graphical user interface on a client device, the graphical user interface comprising;

a controller operatively associated with the processor to interface with the host internet banking system, the controller programmed for redistributing funds between a first account and a second account, wherein the controller comprises a slidable element positionable over a fixed background element, the background element being a horizontally oriented, oblong shaped element defining a first segment on a first side of the slidable element and a second segment on a second side of the slidable element,

wherein the controller is further configured;

to graphically integrate and display information pertaining to the first account via the first segment and graphically integrate and display information pertaining to the second account via the second segment,

to allow selective positioning of the slidable element relative to the background element along the horizontal direction of the background element, wherein the positioning redistributes funds between the first account and the second account while simultaneously providing a visual indicator of the first account balance and of the second account balance, the visual indicator being a length of the first segment and a length of the second segment as defined by the relative position of the slidable element, the length of the first segment being representative of the first account balance and the length of the second segment being representative of the second account balance,

to change the first account balance and the second account balance in proportion to a change in the lengths of the first and second segments, respectively, resulting from a change in the position of the slidable element with respect to the background element,

to generate a graphical element to provide an indication of which portion of at least one of the first account and the second account will be consumed by future bill payments, the graphical element having a length representative of an amount of the future bill payments; and

to generate a flag element extending beyond the background element, the flag element including text indicating a total amount of future bill payments, wherein the flag element is hidden from view in the absence of any future bill payments.

2. The system of claim 1, wherein the first account is a demand account and wherein the second account is a savings account.

3. The system of claim 1, wherein the graphical element is positioned relative to the first segment to graphically indicate an amount of the first account balance that will be consumed by the future bill payments.

4. The system of claim 3, wherein the graphical element comprises a display programmed for displaying text indicating the amount of future bill payments.

5. The system of claim 3, further comprising a display programmed for displaying text indicating a difference between the first account balance and the amount of fixture bill payments.

6. The system of claim 3, wherein the graphical user interface is programmed to size at least one aspect of the controller in response to a determination of the lamer of the combined balances of the first and second accounts and the amount of future bill payments.

7. A system comprising:

a network-enabled client device, wherein the client device includes a display; and

a user interface generated by a host internet banking system and displayed on the client device, wherein the user interface comprises a controller configured to interface with the host internet banking system for redistributing funds between a first account and a second account, wherein the controller comprises a slidable element positionable over a fixed background element, the background element being a horizontally oriented, oblong shaped element defining a first segment on a first side of the slidable element and a second segment on a second side of the slidable element,

wherein the controller is further configured;

to graphically integrate and display information pertaining to the first account via the first segment and graphically integrate and display information pertaining to the second account via the second segment,

to allow selective positioning of the slidable element relative to the background element along the horizontal direction of the background element, wherein the positioning redistributes funds between the first account and the second account while simultaneously providing a visual indicator of the first account balance and of the second account balance, the visual indicator being a length of the first segment and a length of the second segment as defined by the relative position of the slidable element, the length of the first segment being representative of the first account balance and the length of the second segment being representative of the second account balance,

to change the first account balance and the second account balance in proportion to a change in the lengths of the first and second segments, respectively, resulting from a change in the position of the slidable element with respect to the background element,

to generate a graphical element to provide an indication of which portion of at least one of the first account and the second account will be consumed by future bill payments, the graphical element having a length representative of an amount of the future bill payments; and

to generate a flag element extending beyond the background element, the flag element including text indicating a total amount of future bill payments, wherein the flag element is hidden from view in the absence of any future bill payments.

8. The system of claim 7, wherein the host internet banking system includes at least one data storage medium comprising the first and second accounts.

9. The system of claim 7, wherein the graphical element is positioned relative to the first segment to graphically indicate an amount of the first account balance that will be consumed by the future bill payments.

10. The system of claim 9, wherein the graphical element comprises a display programmed for displaying text indicating the amount of future bill payments.

11. The system of claim 9, further comprising a display programmed for displaying text indicating a difference between the first account balance and the amount of future bill payments.

12. The system of claim 9, wherein the user interface is programmed to size at least one aspect of the controller in response to a determination of the larger of the combined balances of the first and second accounts and the amount of future bill payments.