# US 2014/0207675 A1 · Method and apparatus for initiating a transaction on a mobile device

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- Number: US 2014/0207675 A1
- Document ID: US20140207675A1
- Status: Published application
- Kind: A1
- Application number: 13/749,268
- Filed: 2013-01-24
- Published: 2014-07-24
- Earliest claimed: 2013-01-24
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: Mary R. Rosendahl; Milton Santiago, JR.; Daniel M. Whipple; Darin G. Mallory; Christopher Hope; Savit A. Pirl
- Web page: https://patentgrep.com/patent/US20140207675A1

## CPC

- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06F 7/00: Methods or arrangements for processing data by operating upon the order or content of the data handled (logic circuits H03K19/00)
- G06F 16/00: Information retrieval; Database structures therefor; File system structures therefor
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G07B 17/00: Franking apparatus (printing aspects B41)
- G07F 19/00: Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines (data processing equipment for bank accounting G06Q40/02)
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G07B: TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A method and apparatus that improves the operation of treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The initiation process may be streamlined by providing supplemental contact information. Transactions may be initiated from trusted templates or groups of templates. Likewise transfers between internal accounts may be created. At each stage of the process views of current transaction/transfer initiations may be viewed. Transactions that have been successfully initiated may be confirmed. Incomplete or unsuccessful initiation may be reconciled for further action by a user. Templates and transfers may be grouped and sorted.

## Claims

### Claim 1

A method for displaying initiation of a transaction on a device wherein the device comprises a display and a processor, the method comprising:
using the processor to display an initiate transactions template display window showing a portion of a vertically oriented list of templates;
using the processor to find and select a template from the list of templates;
using the processor to display a detailed template display window showing at least one detail of the selected template;
in response to user input, using the processor to convert the detailed template to a reviewable transaction;
using the processor to display a review/submit display window showing a portion of a vertically oriented list of reviewable transactions;
in response to user input, using the processor to initiate a reviewable transaction, and
using the processor to display an initiated transactions display window showing a portion of a vertically oriented list of initiated transaction(s);
wherein each initiated transaction comprises a timestamp, wherein the timestamp indicates the time when the initiated transaction is valid,
wherein the list of initiated transactions are reconciled by the processor with a list of submitted but not confirmed transactions,
wherein the finding and selecting from the list of templates is implemented, at least in part, in response to vertical scrolling among the list of templates,
wherein the selected template represents a payment template for payment to a trusted receiver of funds.

### Claim 2 (depends on 1)

The method of claim 1 wherein the detailed template display window permits a user to enter a value for the at least one detail of the at least one template.

### Claim 3 (depends on 1)

The method of claim 1 wherein the detailed template display window permits a user to change a value of the at least one detail of the at least one template.

### Claim 4 (depends on 1)

The method of claim 1 wherein the list of initiated transactions is compiled by a server, wherein the server receives confirmation of completion for each transaction on the list of initiated transactions.

### Claim 5 (depends on 1)

The method of claim 1 further comprising using the processor to display a pop-up window overlaying the initiate transactions template display window, the pop-up window displaying alternatives for organizing templates into groups.

### Claim 6 (depends on 1)

The method of claim 1 further comprising using the processor to display a group details window,
wherein at least one member of a group can be added or deleted.

### Claim 7 (depends on 1)

The method of claim 1 further comprising using the processor to display a totals display window showing a total,
wherein at least one of the transactions of the list of reviewable transactions comprises a payment value,
wherein the total is the sum of all of the payments values in the list of reviewable transactions.

### Claim 8 (depends on 1)

The method of claim 1 further comprising using the processor to display a submitted group details display window, the initiated group details display window comprising a header section and a tabbed section:
wherein the header section comprises a group name and the tabbed section displays at least one tab, the tab comprising a list of grouped transactions
wherein the list of grouped transactions are selected from the list of initiated transactions.

### Claim 9

A device for displaying approval of a transaction device comprising:
a display; and
a processor;
wherein the processor displays an initiate transactions template display window showing a portion of a vertically oriented list of templates;
wherein the processor finds and selects a template from the list of templates;
wherein the processor displays a detailed template display window showing at least one detail of the selected template;
wherein the processor to converts the detailed template to a reviewable transaction;
wherein the processor displays a review/submit display window showing a portion of a vertically oriented list of reviewable transactions;
wherein the processor initiates a reviewable transaction, and
wherein the processor displays an initiated transactions display window showing a portion of a vertically oriented list of initiated transactions;
wherein each initiated transaction comprises a timestamp, wherein the timestamp indicates the time when the initiated transaction is valid,
wherein the list of initiated transactions are reconciled by the processor with a list of submitted but not confirmed transactions,
wherein the finding and selecting from the from the list of templates is via scrolling of the list of templates,
wherein the selected template is a payment to a trusted receiver of funds.

### Claim 10 (depends on 9)

The device of claim 9 wherein the detailed template display window permits a user to enter a value for the at least one detail of the at least one template.

### Claim 11 (depends on 9)

The device of claim 9 wherein the detailed template display window permits a user to change a value of the at least one detail of the at least one template.

### Claim 12 (depends on 9)

The device of claim 9 wherein the list of initiated transactions is compiled by a server, wherein the server receives confirmation of completion for each transaction on the list of initiated transactions.

### Claim 13 (depends on 9)

The device of claim 9 wherein the processor displays a pop-up window overlaying the initiate transactions template display window, the pop-up window displaying alternatives for organizing templates into groups.

### Claim 14 (depends on 9)

The device of claim 9 wherein the processor displays a group details window,
wherein at least one member of a group can be added or deleted.

### Claim 15 (depends on 9)

The device of claim 9 wherein the processor displays a totals display window showing a total,
wherein at least one of the transactions of the list of reviewable transactions comprises a payment value,
wherein the total is the sum of all of the payments values in the list of reviewable transactions.

### Claim 16 (depends on 9)

The device of claim 9 wherein the processor displays a submitted group details display window, the initiated group details display window comprising a header section and a tabbed section:
wherein the header section comprises a group name and the tabbed section displays at least one tab, the tab comprising a list of grouped transactions,
wherein the list of grouped transactions are selected from the list of initiated transactions.

### Claim 17

One or more non-transitory computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for a method for displaying approval of a transaction on a device wherein the device comprises a display and a processor, the method comprising:
using the processor to display an initiate transactions template display window showing a portion of a vertically oriented list of templates;
using the processor to find and select a template from the list of templates;
using the processor to display a detailed template display window showing at least one detail of the selected template;
in response to user input, using the processor to convert the detailed template to a reviewable transaction;
using the processor to display a review/submit display window showing a portion of a vertically oriented list of reviewable transactions;
using the processor to initiate a reviewable transaction, and
using the processor to display an initiated transactions display window showing a portion of a vertically oriented list of initiated transactions;
wherein each initiated transaction comprises a timestamp, wherein the timestamp indicates the time when the initiated transaction is valid,
wherein the list of initiated transactions are reconciled by the processor with a list of submitted but not confirmed transactions,
wherein the finding and selecting from the list of templates is implemented, at least in part, in response to vertical scrolling of the list of templates,
wherein the selected template is a payment to a trusted receiver of funds.

### Claim 18 (depends on 17)

The media of claim 17 wherein the detailed template display window permits a user to enter a value for the at least one detail of the at least one template.

### Claim 19 (depends on 17)

The media of claim 17 wherein the detailed template display window permits a user to change a value of the at least one detail of the at least one template.

### Claim 20 (depends on 17)

The media of claim 17 wherein the list of initiated transactions is compiled by a server, wherein the server receives confirmation of completion for each transaction on the list of initiated transactions.

### Claim 21 (depends on 17)

The media of claim 17 further comprising using the processor to display a pop-up window overlaying the initiate transactions template display window, the pop-up window displaying alternatives for organizing templates into groups.

### Claim 22 (depends on 17)

The media of claim 17 further comprising using the processor to display a group details window,
wherein at least one member of a group can be added or deleted.

### Claim 23 (depends on 17)

The media of claim 17 further comprising using the processor to display a totals display window showing a total,
wherein at least one of the transactions of the list of reviewable transactions comprises a payment value,
wherein the total is the sum of all of the payments values in the list of reviewable transactions.

### Claim 24 (depends on 17)

The media of claim 17 further comprising using the processor to display a submitted group details display window, the initiated group details display window comprising a header section and a tabbed section:
wherein the header section comprises a group name and the tabbed section displays at least one tab, the tab comprising a list of grouped transactions,
wherein the list of grouped transactions are selected from the list of initiated transactions.