Search-Directed User Interface for Online Banking Applications

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Solution Overview

Problem

Current online banking systems lack an efficient user interface for searching and managing financial transactions and account data, making it difficult for users to navigate and retrieve relevant information effectively.

Innovation Solution

A distributed computer system with a search-directed user interface is implemented, allowing users to input search arguments that trigger a search query across account data and non-account-specific data, returning relevant results organized visually for easy access and management.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of information

If a traditional online banking interface is used, then the system structure is simple, but users cannot efficiently search and retrieve financial transaction data

Engineering Contradiction:

Improveinformation retrieval efficiencyVSAvoidinterface complexity

Core Design Contradiction:

Loss of informationVSDevice complexity

Solution Approach 1:

A search intermediary component is introduced between the user interface and the banking system backend. This search interface accepts user queries, processes them through the banking system, and returns relevant transaction results, thereby improving information retrieval efficiency without fundamentally altering the core banking system architecture.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent implements a search functionality that creates a virtual representation of the banking transaction data through search queries. Instead of requiring users to navigate through the entire banking system to find transactions, the search function creates a copied view of relevant transaction data based on user-specified criteria, enabling efficient retrieval without complex interface changes.

Inventive Principle:

Principle #26Copying

2Reliability

If comprehensive account data is stored for all users, then data completeness is improved, but navigation and access time increase

Engineering Contradiction:

Improvedata completenessVSAvoiddata access time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent segments the comprehensive banking data into searchable components by implementing a search function that processes user queries and retrieves only relevant transaction segments. This allows the system to maintain complete data for reliability while providing fast access to specific segments through targeted search operations rather than requiring users to navigate through all data.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The search interface performs preliminary actions by processing user queries and pre-filtering comprehensive account data before presentation. The system prepares and organizes relevant transaction data in advance based on search criteria, reducing the time users need to spend navigating through raw comprehensive data while maintaining data completeness in the backend.

Inventive Principle:

Principle #10Preliminary action

3Adaptability or versatility

If a detailed user interface with multiple navigation options is provided, then user control is improved, but ease of operation decreases

Engineering Contradiction:

Improveuser control capabilityVSAvoidinterface usability

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent extracts the search functionality as a separate, dedicated interface element from the complex banking navigation system. This search feature provides users with direct control over transaction retrieval through simple query input, eliminating the need to navigate through multiple menu options and interface layers while maintaining user control capability.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

Instead of requiring users to navigate through the banking system to find transactions (traditional approach), the patent inverts the interaction by allowing users to input search criteria and have the system bring transactions to them. This reversal simplifies the user interface while maintaining adaptability, as users control the search parameters without dealing with complex navigation structures.

Inventive Principle:

Principle #13The other way round (Inversion)

Data Source

PatentUS11790440B2Providing search-directed user interface for online banking applications

Publication Date: 2023.10.17 TEACHERS INSURANCE & ANNUITY ASSOC OF AMERICA

AI summary

Systems and methods for providing a search-directed user interface for online banking applications. An example method may comprise: receiving, via a graphical user interface (GUI) session associated with an authenticated user, a search argument comprising a character string; executing, by a processing device, a search query by matching the character string to account data of one or more accounts that the authenticated user is authorized to access, the account data comprising a plurality of data items representing at least one of: financial product types, financial product identifiers, financial transaction types, financial transaction descriptions, financial transaction amounts, portfolio types, accounts, and aggregated financial indicators; and causing a data set produced by executing the search query to be visually represented via the GUI session.