Personal online banking with integrated online statement and checkbook user interface

A computer implemented method for integrating a plurality of diverse transactions into a single account of a user held by a financial institution, comprising:

• storing a list of cleared transactions for the user's account;
• storing a list of uncleared transactions for the user's account;
• storing a list of transaction instructions to be processed by a financial institution;
• sending a transaction instruction to a financial institution for processing, removing the transaction instruction from the list of transaction instructions, and storing the transaction in the list of uncleared transactions;
• responsive to a signal indicating that a transaction sent to the financial institution has been processed, removing the processed transaction from the list of uncleared transactions, and storing the processed transaction in the list of cleared transactions;
• displaying the lists of uncleared, unprocessed, and cleared transactions each in a visually distinguished display area, a first account balance for the list of cleared transactions, and a second account balance for both the list of cleared transactions and the list of uncleared transactions.

A computer implemented method for integrating a plurality of diverse transactions into a single account of a user held by a financial institution, comprising:

• simultaneously displaying:
• a first visually distinguished list of transaction instructions to be processed by a financial institution;
• a second visually distinguished list of uncleared transactions for the user's account;
• and,
• a third visually distinguished list of cleared transactions for the user's account as of a known date;
• sending a transaction instruction to a financial institution for processing, and removing the transaction instruction from the displayed first list of transactions, and displaying the transaction in the second list of uncleared transactions;
• receiving from a financial institution a list of cleared transactions for a first date after the known date, and removing from the second list of uncleared transactions any transaction that matches a transaction in the received list, and displaying the transaction in the third list of cleared transactions;
• and
• displaying concurrently with the first, second, and third lists, a first account balance for the list of cleared transactions, and a second account balance for both the list of cleared transactions and the list of uncleared transactions.

A computer readable memory storing a computer program executable by a processor, for producing a user interface of an online banking system, the memory comprising:

• program code means for creating a user interface comprising:
• first display area for listing a plurality of transaction instructions in a user selected account to be sent to a financial institution for processing, each transaction instruction including a description, and an amount;
• a second display area, visually distinguished from and concurrently displayed with the first display area, for listing a plurality of uncleared transactions in the user selected account that have been sent to a financial institution as transaction instructions for processing, each uncleared transaction including a description and an amount;
• a third display area, visually distinguished from and concurrently displayed with the first and second display areas, for listing a plurality of cleared transactions for the user selected account, each cleared transaction including a description and an amount,
• program code means for removing each uncleared transaction in the second display area and listing the removed transaction in the third display area as a cleared transaction at a time subsequent to the transaction being cleared by a financial institution;
• and
• program code means for sending a transaction instruction in the first display area to a financial institution for processing, removing the transaction instruction from the first display area and displaying it in the second display area as an uncleared transaction;
• and
• program code means for maintaining and displaying a first account balance for the cleared transactions in the user selected account, and a second account balance for both cleared and uncleared transactions in the user selected account.

A computer readable memory storing computer executable instructions for integrating a plurality of diverse transactions into a single account of a user held by a financial institution, the instructions executable by a processor for performing the operations comprising:

• simultaneously displaying a first visually distinguished list of transaction instructions to be processed by a financial institution, a second visually distinguished list of uncleared transactions for the user's account;
• and a third visually distinguished list of cleared transactions for the user's account as of a known date;
• sending a transaction instruction to a financial institution for processing, and removing the transaction instruction from the displayed first list of transactions, and displaying the transaction in the second list of uncleared transactions;
• receiving from a financial institution a list of cleared transactions for a first date after the known date, and removing from the second list of uncleared transactions any transaction that matches a transaction in the received list, and displaying the transaction in the third list of cleared transactions;
• and
• displaying concurrently with the first, second, and third lists, a first account balance for the list of cleared transactions, and a second account balance for both the list of cleared transactions and the list of uncleared transactions.