Dynamic Asset Repayment UI for Post-Deadline Transfer Handling

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Solution Overview

Problem

Conventional asset management systems are rigid, inefficient, and require multiple user interactions to manage digital assets and account management, lacking flexibility and intelligent scheduling, particularly in handling post-deadline asset transfers and multiple repayment obligations.

Innovation Solution

An intelligent asset management system that generates dynamic user interface elements, allowing users to select from various asset repayment models, monitors accounts for post-deadline transfers, and applies an asset allocation hierarchy to automatically initiate transfers based on user preferences and account conditions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If conventional systems use fixed scheduling for asset transfers, then transfer execution is simple, but the system lacks flexibility in handling post-deadline transfers and multiple repayment obligations

Engineering Contradiction:

Improveflexibility in handling post-deadline transfersVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements dynamic scheduling that allows asset transfers to be executed at flexible times including post-deadline transfers. The system monitors account conditions and automatically initiates transfers when funds become available, rather than being constrained to fixed schedules. This dynamic approach enables the system to adapt to varying account balances and transfer priorities.

Inventive Principle:

Principle #15Dynamics

2Ease of operation

If conventional systems provide multiple user interfaces for asset management, then comprehensive control is achieved, but user interaction requirements increase and computing resources are wasted

Engineering Contradiction:

Improveuser interaction efficiencyVSAvoidcomputing resource usage

Core Design Contradiction:

Ease of operationVSUse of energy by moving object

Solution Approach 1:

The patent consolidates multiple asset management functions into a single user interface. The interface displays account balances, transfer priorities, and allows users to set preferences for multiple accounts and repayment obligations in one view. This eliminates the need for users to navigate through multiple separate interfaces while reducing the computing resources required to maintain and render multiple interface instances.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The single user interface is designed to perform multiple functions: displaying information for multiple accounts, setting transfer priorities, managing repayment obligations, and controlling post-deadline transfers. This multi-functional interface replaces what would traditionally require several specialized interfaces, improving ease of operation while reducing resource consumption.

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Productivity

If conventional systems execute transfers according to fixed schedules, then transfer timing is predictable, but the system cannot respond to post-deadline asset availability

Engineering Contradiction:

Improvetransfer execution efficiencyVSAvoidpost-deadline transfer delay

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The system continuously monitors account balances and provides feedback on asset availability. When funds become available in an account, the system detects this change and automatically initiates the scheduled transfer, even if the deadline has passed. This feedback mechanism ensures that transfers are executed as soon as possible after funds arrive, minimizing delays while maintaining the ability to handle post-deadline situations.

Inventive Principle:

Principle #23Feedback

Solution Approach 2:

The system pre-configures transfer priorities and preferences in advance, so that when post-deadline transfers need to be executed, the appropriate actions are already determined. Users set their preferences beforehand regarding which accounts to monitor and the priority of transfers, allowing the system to quickly respond when funds become available without requiring real-time decision-making.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20260017630A1Facilitating intelligent asset management utilizing graphical user interfaces comprising dynamic asset management user interface elements

Publication Date: 2026.01.15 CHIME FINANCIAL INC

AI summary

The present disclosure relates to systems, non-transitory computer-readable media, and methods that, as part of an internetwork facilitation system, facilitate intelligent asset management through user interface elements that present selectable intelligent asset repayment models for user accounts. In particular, the systems can provide for display within a graphical user interface of a computing device corresponding to a user account, a selectable intelligent asset repayment element. Further, the systems can select an intelligent asset repayment model from a plurality of asset repayment models. Additionally, the systems can utilize the intelligent asset repayment model to transfer assets from the user account by: determining that the user account fails to satisfy an asset threshold corresponding to a deadline time, monitoring the user account for a post-deadline asset transfer; and in response to identifying the post-deadline asset transfer, initiating a digital transfer of assets from the user account according to an asset allocation hierarchy.