Circular Rotational Interface for Credit Score Visualization
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Solution Overview
Problem
Consumers face difficulties in understanding and analyzing their credit reports and scores due to confusing paper reports and lack of personalized advice on how their credit activities affect their scores, making it hard to develop effective strategies to improve their credit scores.
Innovation Solution
A mobile application and user interface system that dynamically generates a circular pie chart interface tailored for mobile devices, allowing users to visualize and interact with their credit data, with each section representing a category of credit information and displaying how it impacts their credit score, enabling users to rotate and select sections for detailed information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If paper credit reports are used to display credit information, then comprehensive credit data can be presented, but consumers find it confusing and difficult to understand
Solution Approach 1:
The credit report information is segmented into distinct categories (payment history, credit utilization, length of credit history, new credit, credit mix) and presented as separate visual elements in the circular interface. Each category can be individually explored through rotation, allowing consumers to understand specific aspects without being overwhelmed by the complete dataset at once.
Solution Approach 2:
The patent transforms traditional two-dimensional paper credit reports into a three-dimensional interactive circular interface that rotates in response to user input. This dimensional transformation allows comprehensive credit information to be displayed in a visually intuitive format where size, color, and position encode different meanings, making complex data easier to comprehend.
2Adaptability or versatility
If generic credit improvement advice is provided to all consumers, then broad guidance can be given, but it does not provide information specific to a particular consumer's situation
Solution Approach 1:
The circular visual interface applies local quality by customizing the display based on each consumer's specific credit data. Sections of the circle are sized, colored, and positioned according to the individual's credit profile - for example, categories with negative impacts are highlighted in red and enlarged, while positive categories are green and smaller. This allows generic advice to be overlaid with personalized visual feedback specific to each consumer's situation.
Solution Approach 2:
The system provides immediate visual feedback by dynamically updating the circular interface to show how specific credit factors are affecting the consumer's score. When consumers interact with the interface by rotating or selecting sections, they receive personalized insights about their specific credit weaknesses and strengths, enabling tailored improvement strategies rather than generic advice.
3Quantity of substance
If traditional printed credit reports are used, then all credit data can be displayed, but consumers struggle to analyze and develop effective strategies
Solution Approach 1:
The patent employs color changes to encode different aspects of credit information and their impacts on credit scores. Categories are color-coded (e.g., red for negative impact, green for positive impact, yellow for neutral) and colors dynamically change based on the consumer's specific data. This visual encoding allows consumers to quickly analyze large volumes of credit data without being overwhelmed, as color provides immediate interpretive cues.
Solution Approach 2:
The static printed credit report is transformed into a dynamic circular interface that responds to user interaction. The interface rotates, expands, and contracts sections based on consumer input, allowing them to actively explore and analyze credit data from multiple perspectives. This dynamic behavior enables consumers to develop effective strategies by interactively examining cause-and-effect relationships in their credit profile.
4Ease of operation
If mobile device interfaces are optimized for interaction, then user engagement improves, but traditional printed credit report formats must be abandoned
Solution Approach 1:
The patent adopts a circular/spheroidal interface design that is inherently suited for mobile touch screens. The circular shape allows for intuitive rotational gestures, and the curved layout maximizes use of the mobile device's display area. This geometric choice simplifies the interaction model - users naturally rotate the circle to explore different credit categories - while accommodating the complexity of displaying comprehensive credit information through hierarchical organization within the circular space.
Data Source
AI summary
A credit score user interface that may comprise a circular visual interface to view a consumer's credit information is disclosed herein. Sections of the circular visual interface may correspond to credit categories, where each section is sized according to the impact of the associated credit category on the consumer's credit score. One of the category sections may be selected, and credit information about a specific consumer that is related to that section may be displayed. The selected credit category may change based on touch input. A change in selection may cause new credit information related to the newly selected credit category to be displayed about the specific consumer.