Mobile Banking Interface Logic for Workflow Prioritization

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Solution Overview

Problem

Existing online banking systems lack efficient mechanisms for users to manage financial accounts and respond to workflow items on mobile devices, requiring improvements in account management, workflow identification, and user interface functionality.

Innovation Solution

A computer-implemented data processing system with account management logic, workflow logic, and interface logic that allows users to access and manage financial accounts through wireless handheld devices, featuring a home page screen with links to workflow items, prioritization of tasks, and dynamic display screens for efficient transaction processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If users access online banking through traditional web interfaces on mobile devices, then account management functionality is available, but the number of screens visited and inputs required increases, reducing efficiency

Engineering Contradiction:

Improvetransaction processing efficiencyVSAvoidtime to complete transactions

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The system segments workflow items into distinct, actionable units that can be independently identified and processed. The interface logic divides the banking interface into modular components including a workflow indicator section and account management sections, allowing users to quickly locate and act on specific tasks without navigating through multiple screens.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary actions by pre-identifying workflow items that require user attention and pre-positioning them on the home page screen through workflow indicators. This allows users to see pending tasks immediately upon login without needing to navigate through multiple menus or screens, reducing the time required to locate and act on workflow items.

Inventive Principle:

Principle #10Preliminary action

2Adaptability or versatility

If comprehensive account management features are provided, then users can perform all banking operations, but the interface complexity increases making it harder to use on mobile devices

Engineering Contradiction:

Improveaccount management capabilityVSAvoiduser interface usability

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The interface logic applies local quality by providing different interface presentations for different functional areas. The home page screen presents workflow items in a simplified, indicator-based format, while separate screens provide detailed account management interfaces when users select specific workflow items. This allows comprehensive functionality while maintaining simplicity on the main screen.

Inventive Principle:

Principle #3Local quality

Solution Approach 2:

The system dynamically adapts the interface based on user context and workflow state. The home page dynamically displays workflow indicators based on current pending tasks, and the interface transitions to detailed workflow screens only when users interact with specific indicators. This dynamic presentation maintains ease of operation while providing comprehensive account management capabilities.

Inventive Principle:

Principle #15Dynamics

3Loss of information

If workflow items are distributed across multiple screens, then detailed information is available, but users must navigate through more screens to find and act on workflow items

Engineering Contradiction:

Improveworkflow item accessibilityVSAvoidnumber of screens

Core Design Contradiction:

Loss of informationVSDevice complexity

Solution Approach 1:

The interface logic merges the workflow indicator function with the home page screen, combining what would traditionally be separate navigation elements into a unified interface. Workflow indicators are integrated directly onto the home page, allowing users to access workflow information without leaving the main screen, thereby reducing the number of screens users must navigate through.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS11682071B1Graphical user interface system and method

Publication Date: 2023.06.20 WELLS FARGO BANK NA

AI summary

A computer-implemented data processing system comprises account management logic, workflow logic, and interface logic. The account management logic is configured to manage financial accounts associated with a plurality of users. The workflow logic is configured to identify workflow items to be acted upon by users in connection with financial transactions relating to the financial accounts. The interface logic cooperates with the workflow logic to generate a plurality of display screens to be displayed by wireless handheld mobile devices. The display screens comprise a home page screen that is provided to the user upon login and that includes a link to a workflow screen where the user may act upon one or more of the workflow items.