Graphical User Interface Fund Redistribution Slide Controller
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Solution Overview
Problem
Current Internet banking user interfaces do not effectively consolidate and present customer information to help users assess their financial conditions, and they lack features tailored to younger demographics, making it difficult for customers to manage their finances and redistribute funds efficiently.
Innovation Solution
A graphical user interface with a slide controller that allows users to redistribute funds between demand and savings accounts based on financial needs and goals, providing a graphical representation of account balances and upcoming bill payments, along with features like automatic overdraft protection and customizable savings rules.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If traditional text-input features are used for fund distribution, then users can transfer funds between accounts, but the customer's understanding of account dynamics is not enhanced
Solution Approach 1:
The patent replaces traditional text-input interfaces with graphical visualizations including pie charts, bar graphs, and gauges that visually represent account balances and fund distributions. This substitution transforms abstract numerical data into intuitive visual formats, enhancing customer understanding of account dynamics while maintaining ease of operation through drag-and-drop or slider-based controls.
Solution Approach 2:
The patent utilizes color-coded graphical elements to represent different account types, fund balances, and transaction statuses. Color variations provide immediate visual feedback about account states and help customers quickly comprehend their financial positions without needing to interpret numerical data, thereby reducing information loss while preserving operational simplicity.
2Adaptability or versatility
If Internet banking UI features are directed to adult demographic, then adult banking needs are met, but spending habits and unique banking needs of younger demographics are not addressed
Solution Approach 1:
The patent designs the user interface with universal graphical visualization components that serve multiple demographic groups. The same visual elements (pie charts, gauges, progress bars) effectively communicate financial information to both adult and younger users, adapting to different demographic needs without requiring separate interface designs. This multi-functional approach enhances demographic adaptability while maintaining clear financial condition assessment capabilities across all user groups.
Solution Approach 2:
The patent implements dynamic graphical visualizations that adapt to user interactions and provide real-time feedback. The visual elements respond to user actions, account changes, and financial events, making the interface equally effective for different demographic groups with varying banking behaviors. This dynamic approach ensures that both adult and younger users receive appropriate financial information without loss of assessment capability.
3Loss of information
If comprehensive customer information is presented, then users can assess financial conditions, but the information may be overwhelming and difficult to quickly understand
Solution Approach 1:
The patent segments comprehensive customer financial information into distinct visual components including separate pie charts for different account types, individual gauges for specific financial metrics, and organized sections for various financial activities. This segmentation allows users to quickly understand their financial condition by viewing relevant visual elements without being overwhelmed by a monolithic display, reducing perceived interface complexity while preserving complete information delivery.
Solution Approach 2:
The patent transforms one-dimensional numerical financial data into two-dimensional visual representations through graphical elements like pie charts, bar graphs, and circular gauges. This dimensional transformation enables users to comprehend comprehensive financial information more quickly and intuitively, reducing the cognitive load associated with processing extensive numerical data while maintaining information completeness.
Data Source
AI summary
An information graphic displayable via an electronic user interface to integrate information from accounts held at a financial institution. In one embodiment, the information graphic includes a first graphic element to display first information associated with at least one first account and a second graphic element to display second information associated with at least one second account. A dimension of the first graphic element is representative of the first information and a dimension of the second graphic element is representative of the second information. A first portion of the second graphic element is selectable to alternately virtually hide and display a second portion of the second graphic element.