Method and apparatus for initiating a transaction on a mobile device

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.

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.