US 10,540,642 B2Granted

Systems and methods for dynamic user interface modification

AssigneeThe Toronto-Dominion Bank

InventorsJoe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong Suk Lee

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Abstract

Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.

Claims18

Dependent claims

A computing device to conditionally alter interface speed of interaction, the computing device comprising:

a processor;
a communications system coupled to the processor for communicating over a network with a remote server;
a display coupled to the processor;
an input device coupled to the processor to receive input;
and
memory coupled to the processor and storing processor-readable instructions that, when executed, cause the processor to:
receive, from the input device, a digital ID;
send a request to and receive a response from the remote server, the response indicating that the digital ID is associated with one or more accounts including at least one credit account;
receive, from the input device, an instruction to initiate a data exchange with the at least one credit account;
send, to the remote server, a request to initiate the data exchange with the at least one credit account;
receive, from the remote server, information indicating whether the data exchange, when implemented, would result in the at least one credit account exceeding a utilization threshold;
when the utilization threshold would not be exceeded:
display an interface on the display to enable completion of the data exchange in a first period of time, the interface comprising a graphical element;
transition the graphical element for a first duration;
when the utilization threshold would be exceeded:
display a modified interface different from the interface to enable completion of the data exchange in a second period of time longer than the first period of time, the modified interface comprising the graphical element;
and
transition the graphical element for a second duration that is longer than the first duration.

15 more elements

A server to conditionally alter the speed of transactions on a computing device, the computing device having a display, the server comprising:

a processor;
a communications interface coupled to the processor for communicating over a network with the computing device;
and,
memory coupled to the processor and storing processor-readable instructions that, when executed, cause the processor to:
receive, from the computing device, a digital ID;
determine that the digital ID is associated with one or more accounts including at least one credit account;
receive, from the computing device, a request to initiate a data exchange with the at least one credit account;
determine whether the data exchange, when implemented, would result in the at least one credit account exceeding a utilization threshold;
when the utilization threshold would not be exceeded, instructing the computing device to:
display an interface on the display to enable completion of the data exchange in a first period of time, the interface comprising a graphical element;
and
transition the graphical element for a first duration;
and
when the utilization threshold would be exceeded, instructing the computing device to:
display a modified interface different from the interface to enable completion of the data exchange in a second period of time longer than the first period of time, the modified interface comprising the graphical element;
and
transition the graphical element for a second duration that is longer than the first duration.

14 more elements

Dependencies are inferred from the claim text.

Facts

Application: 15/284,829Filed 4 Oct 2016
Published: US 2018/0096318 A15 Apr 2018
Granted: 21 Jan 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/108
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: remote banking, e.g. home banking
G06Q 20/14
Payment architectures: specially adapted for billing systems
G06Q 20/24
Payment schemes or models: credit schemes, i.e. "pay after"