Touchscreen Bill Payment UI with Slider Confirmation

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Solution Overview

Problem

Personal computing devices face challenges in allowing users to efficiently access and input commands on small touchscreens, leading to disjointed user experiences, accidental inputs, and inefficient navigation between multiple applications, particularly in tasks like asset transfers and bill payments.

Innovation Solution

A graphical user interface featuring a slider feature positioned between account widgets on the touchscreen, allowing users to slide from an origin to a goal to initiate transfers or payments, minimizing accidental inputs and consolidating multiple functions into a single view.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If multiple separate applications are used to access different functions, then comprehensive functionality is achieved, but user experience becomes disjointed and navigation becomes inefficient

Engineering Contradiction:

ImprovefunctionalityVSAvoidnavigation efficiency

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent merges multiple separate applications into a single unified application that provides access to various functions including asset transfers, bill payments, and money requests. This consolidation eliminates the need for users to navigate between multiple applications, creating a seamless and efficient user experience while maintaining comprehensive functionality through a consistent interface design.

Inventive Principle:

Principle #5Merging (Combining)

2Area of stationary object

If graphical buttons are placed close together on small touchscreen, then screen space is utilized efficiently, but accidental inputs increase

Engineering Contradiction:

Improvescreen space utilizationVSAvoidinput accuracy

Core Design Contradiction:

Area of stationary objectVSReliability

Solution Approach 1:

The patent implements a dynamic confirmation mechanism where the system monitors user interaction patterns and provides confirmation prompts for significant actions. This dynamic approach allows the interface to adapt to user intent, requesting confirmation when accidental input is suspected while maintaining efficient screen space utilization through responsive layout adjustments.

Inventive Principle:

Principle #15Dynamics

3Reliability

If second view is loaded to confirm significant actions, then accidental inputs are minimized, but system efficiency decreases due to additional loading and repeated inputs

Engineering Contradiction:

Improveaccidental input preventionVSAvoidsystem efficiency

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent implements preliminary confirmation mechanisms within the same view rather than loading a second view. The system prepares confirmation prompts and validation checks in advance, allowing users to confirm or cancel actions without navigating to additional screens. This approach maintains reliability by preventing accidental inputs while preserving system efficiency through streamlined processing.

Inventive Principle:

Principle #10Preliminary action

4Ease of operation

If key data and command options are presented simultaneously on small screen, then user decision-making is facilitated, but screen overcrowding occurs

Engineering Contradiction:

Improvedecision-making efficiencyVSAvoidscreen space

Core Design Contradiction:

Ease of operationVSArea of stationary object

Solution Approach 1:

The patent segments the user interface into distinct functional areas including asset transfer section, bill payment section, and money request section, each with dedicated input fields and controls. This segmentation allows key data and command options to be presented simultaneously in an organized manner without overcrowding, as each segment is spatially separated and visually distinguished through consistent formatting and spacing.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS12487737B2Personal computing devices with improved graphical user interfaces

Publication Date: 2025.12.02 WELLS FARGO BANK NA

AI summary

A method includes receiving, by a user device, aggregated bill information regarding a user. The method includes generating and providing, by the user device, a graphical user interface depicting the aggregated bill information. The method further includes receiving, by the user device, a request to enter a payment mode for a bill from the aggregated bill information, and generating and providing, by the user device, a bill payment graphical user interface. The bill payment graphical user interface includes a movable feature. The method includes auto-populating, by the user device, the bill payment graphical user interface with an amount owed for a bill from the aggregated bill information. The method further includes detecting, by the user device, a movement of the movable feature and updating, by the user device, the bill payment graphical user interface based on the detected movement.