# US 10,504,257 B1 · Graphical representation of account outflow

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- Number: US 10,504,257 B1
- Document ID: US10504257B1
- Status: Granted
- Kind: B1
- Application number: 15/960,912
- Filed: 2018-04-24
- Granted: 2019-12-10
- Earliest claimed: 2018-04-24
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Erik Schutzman; Tambra Nichols; Susan Bell McCraw; H. Brock Kolls
- Web page: https://patentgrep.com/patent/US10504257B1

## CPC

- G06T 11/26: Drawing of charts or graphs
- G06Q 40/12: Accounting
- G06T 11/40: Filling planar surfaces by adding surface attributes, e.g. adding colours or textures
- G06T: IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.

## Claims

### Claim 1

A computer-implemented method comprising:
obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction;
categorizing, by the processor, the transaction on a continuum of discretionary spending and fixed expense spending; and
displaying, by the processor, the transaction on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, a y-axis indicating the categorization of the transaction, including displaying the transaction as a bubble on the graph, wherein the bubble has a diameter that is proportional to the amount of the transaction.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
receiving, by the processor, an input from the account holder to change the diameter of the bubble; and
displaying, by the processor, the transaction on the user interface as a bubble with the changed diameter.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
receiving, by the processor, an input from the account holder to change the location of the bubble by dragging the bubble on the user interface; and
displaying, by the processor, the transaction on the user interface as a bubble with the changed location.

### Claim 4 (depends on 1)

The method of claim 1, wherein displaying the transaction includes providing a color for the bubble.

### Claim 5 (depends on 4)

The method of claim 4, wherein providing a color for the bubble includes providing a first color if the transaction is within a budget of the account holder and providing a second color if the transaction is beyond the budget of the account holder.

### Claim 6 (depends on 5)

The method of claim 5, wherein the budget is determined based on a balance of an account of the account holder.

### Claim 7 (depends on 5)

The method of claim 5, wherein the budget is determined based on balances of multiple accounts of the account holder.

### Claim 8 (depends on 5)

The method of claim 5, wherein the first color is green and the second color is red.

### Claim 9 (depends on 1)

The method of claim 1, further comprising:
displaying, by the processor, a rebalance button on the user interface that, when selected by the account holder, causes the processor to reallocate funds to one or more transactions based on a budget of the account holder.

### Claim 10 (depends on 1)

The method of claim 1, further comprising:
displaying, by the processor, the transaction on the user interface using a graph having a z-axis providing timing of the at least one transaction as a past, present or future transaction.

### Claim 11 (depends on 1)

The method of claim 1, further comprising:
receiving, by the processor, an input from the account holder selecting the transaction by clicking on the bubble on the user interface; and
displaying, by the processor, transaction history of the transaction on the user interface in response to the selection of the account holder.

### Claim 12 (depends on 1)

The method of claim 1, further comprising:
receiving, by the processor, an input from the account holder selecting the transaction by hovering over the bubble on the user interface; and
displaying, by the processor, information about the transaction on the user interface in response to the selection of the account holder.

### Claim 13

A system comprising:
a computing device comprising at least one processor and a data storage device in communication with the at least one processor, wherein the data storage device comprises instructions thereon that, when executed by the at least one processor, causes the at least one processor to:
obtain, by the at least one processor, a transaction of an account holder including an amount and frequency of the transaction;
categorize, by the at least one processor, the transaction on a continuum of discretionary spending and fixed expense spending; and
display, by the at least one processor, the transaction on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, a y-axis indicating the categorization of the transaction, including displaying the transaction as a bubble on the graph, wherein the bubble has a diameter that is proportional to the amount of the transaction.

### Claim 14 (depends on 13)

The system of claim 13, wherein the computing device includes a laptop.

### Claim 15 (depends on 13)

The system of claim 13, wherein the computing device includes a tablet.

### Claim 16 (depends on 13)

The system of claim 13, wherein the computing device includes a cellular telephone.

### Claim 17

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by computers, cause the computers to perform operations of:
obtaining a transaction of an account holder including an amount and frequency of the transaction;
categorizing the transaction on a continuum of discretionary spending and fixed expense spending; and
displaying the transaction on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, a y-axis indicating the categorization of the transaction, including displaying the transaction as a bubble on the graph, wherein the bubble has a diameter that is proportional to the amount of the transaction.

### Claim 18 (depends on 17)

The non-transitory computer-readable storage medium of claim 17, wherein the bubble has a maximum diameter selected by the account holder.

### Claim 19 (depends on 17)

The non-transitory computer-readable storage medium of claim 17, wherein the bubble has a maximum diameter based on a balance of an account of the account holder.

### Claim 20 (depends on 17)

The non-transitory computer-readable storage medium of claim 17, wherein one or more bubbles are displayed using a color code to identify the transactions based on vendor, project or other category.