Apparatus and method for managing electronic transactions

• US 8,868,048 B2
• Filed: 10/16/2012
• Issued: 10/21/2014
• Est. Priority Date: 10/16/2012
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Hanson, Carrie A., Bondesen, Laura C., Chen, Nicole, Dintenfass, Katherine, Enscoe, Scott R., Kopelow, Leo, Li, Yameng, Newman, Brett, Sharp, Nicholas, Warshawsky, Marc L., Wittkowski, Alexander C., Wolf, Jon R.
• Primary Examiner(s): Agosta, Steve D
• Application Number:
  US13/652,611
• Publication Number:
  US 20140106717A1
• Time in Patent Office: 735 Days
• Field of Search: 455/414.1, 455418-420, 455/466, 455/550.1, 455/562.1, 709/224, 705 35- 44, 715/848
• US Class Current: 455/414.1
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second.

Claims

1. An apparatus comprising:

a memory operable to an application configured to provide an interface comprising a plurality of regions for displaying information associated with a plurality of executed transactions, wherein the plurality of executed transactions are associated with a savings or checking account of a user; and

a processor communicatively coupled to the memory, the processor operable to run the application to;

present, in a first region of a display, information associated with a first transaction of the plurality of executed transactions;

present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review;

present, in a third region of the display, a second option, the second option indicating that, when selected, the user has reviewed the first transaction;

present, in a fourth region of the display, a notification, the notification indicating a second transaction of the plurality of transactions, wherein the second transaction was executed subsequent to the first transaction;

detect a first touch on the display indicating the selection of the second transaction; and

update at least one region selected from the first region, the second region, the third region, and the fourth region in response to detecting the first touch, wherein updating the at least one region comprises replacing in the first region of the display, information associated with the first transaction with information associated with the second transaction, and

wherein the first transaction and the second transaction are each selected from the group consisting of a purchase, a credit, a debit, a balance transfer, a payment due, a rejected payment, a financial fee, and an executed financial transaction for a particular purpose.

2. The apparatus of claim 1, wherein the processor is further operable to:

detect a second touch on the second region of the display, the second touch indicating that the user has marked the second transaction for further review; and

present, in the second region of the display, in response to detecting the second touch, an indication that the second transaction is marked for further review.

3. The apparatus of claim 2, wherein the processor is further operable to communicate a message, in response to detecting the second touch, that the user has marked the second transaction for further review.

4. The apparatus of claim 2, wherein the processor is further operable to:

detect a first authentication of the user; and

present, in the first region of the display, information associated with the second transaction in response to detecting the first authentication of the user and the indication that the user has marked the second transaction for further review.

5. The apparatus of claim 1, wherein the processor is further operable to:

detect a second touch on the third region of the display, the second touch indicating that the user has reviewed the second transaction; and

present, in the third region of the display, in response to detecting the second touch, an indication that the user has reviewed the second transaction.

6. The apparatus of claim 5, wherein the processor is further operable to communicate a message, in response to detecting the second touch, that the user has marked the second transaction as being reviewed.

7. The apparatus of claim 5, wherein the processor is further operable to:

detect a first authentication of the user; and

present, in the first region of the display, information associated with a third transaction in response to detecting the first authentication of the user and the indication that the user has reviewed the second transaction.

8. A method comprising:

storing an application configured to provide an interface comprising a plurality of regions for displaying information associated with a plurality of executed transactions, wherein the plurality of executed transactions are associated with a savings or checking account of a user;

presenting, in a first region of a display, information associated with a first transaction of the plurality of executed transactions;

presenting, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review;

presenting, in a third region of the display, a second option, the second option indicating that, when selected, the user has reviewed the first transaction;

presenting, in a fourth region of the display, a notification, the notification indicating a second transaction of the plurality of transactions, wherein the second transaction was executed subsequent to the first transaction;

detecting a first touch on the display indicating the selection of the second transaction; and

updating at least one region selected from the first region, the second region, the third region, and the fourth region in response to detecting the first touch, wherein updating the at least one region comprises replacing, in the first region of the display, information associated with the first transaction with information associated with the second transaction, and

wherein the first transaction and the second transaction are each selected from the group consisting of a purchase, a credit, a debit, a balance transfer, a payment due, a rejected payment, a financial fee, and an executed financial transaction for a particular purpose.

9. The method of claim 8, further comprising:

detecting a second touch on the second region of the display, the second touch indicating that the user has marked the second transaction for further review; and

presenting, in the second region of the display, in response to detecting the second touch, an indication that the second transaction is marked for further review.

10. The method of claim 9, further comprising communicating a message, in response to detecting the second touch, that the user has marked the second transaction for further review.

11. The method of claim 9, further comprising:

detecting a first authentication of the user; and

presenting, in the first region of the display, information associated with the second transaction in response to detecting the first authentication of the user and the indication that the user has marked the second transaction for further review.

12. The method of claim 8, further comprising:

detecting a second touch on the third region of the display, the second touch indicating that the user has reviewed the second transaction; and

presenting, in the third region of the display, in response to detecting the second touch, an indication that the user has reviewed the second transaction.

13. The method of claim 12, further comprising communicating a message, in response to detecting the second touch, that the user has marked the second transaction as being reviewed.

14. The method of claim 12, further comprising:

detecting a first authentication of the user; and

presenting, in the first region of the display, information associated with a third transaction in response to detecting the first authentication of the user and the indication that the user has reviewed the second transaction.

15. One or more non-transitory computer-readable media comprising logic, the logic when executed by one or more processors operable to perform operations comprising:

storing an application configured to provide an interface comprising a plurality of regions for displaying information associated with a plurality of executed transactions, wherein the plurality of executed transactions are associated with a savings or checking account of a user;

presenting, in a first region of a display, information associated with a first transaction of the plurality of executed transactions;

presenting, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review;

presenting, in a third region of the display, a second option, the second option indicating that, when selected, the user has reviewed the first transaction;

presenting, in a fourth region of the display, a notification, the notification indicating a second transaction of the plurality of transactions, wherein the second transaction was executed subsequent to the first transaction;

detecting a first touch on the display indicating the selection of the second transaction; and

updating at least one region selected from the first region, the second region, the third region, and the fourth region in response to detecting the first touch, wherein updating the at least one region comprises replacing, in the first region of the display, information associated with the first transaction with information associated with the second transaction, and

wherein the first transaction and the second transaction are each selected from the group consisting of a purchase, a credit, a debit, a balance transfer, a payment due, a rejected payment, a financial fee, and an executed financial transaction for a particular purpose.

16. The media of claim 15, wherein the logic is further operable to perform operations comprising:

detecting a second touch on the second region of the display, the second touch indicating that the user has marked the second transaction for further review; and

presenting, in the second region of the display, in response to detecting the second touch, an indication that the second transaction is marked for further review.

17. The media of claim 16, wherein the logic is further operable to perform operations comprising communicating a message, in response to detecting the second touch, that the user has marked the second transaction for further review.

18. The media of claim 16, wherein the logic is further operable to perform operations comprising:

detecting a first authentication of the user; and

presenting, in the first region of the display, information associated with the second transaction in response to detecting the first authentication of the user and the indication that the user has marked the second transaction for further review.

19. The media of claim 15, wherein the logic is further operable to perform operations comprising:

detecting a second touch on the third region of the display, the second touch indicating that the user has reviewed the second transaction; and

presenting, in the third region of the display, in response to detecting the second touch, an indication that the user has reviewed the second transaction.

20. The media of claim 19, wherein the logic is further operable to perform operations comprising communicating a message, in response to detecting the second touch, that the user has marked the second transaction as being reviewed.

21. The media of claim 19, wherein the logic is further operable to perform operations comprising:

detecting a first authentication of the user; and

presenting, in the first region of the display, information associated with a third transaction in response to detecting the first authentication of the user and the indication that the user has reviewed the second transaction.