Web page action guidance system

Patent metadata

Field	Value
Publication number	US-11443294-B2
Application number	US-202117328263-A
Country	US
Kind code	B2
Filing date	May 24, 2021
Priority date	Mar 31, 2014
Publication date	Sep 13, 2022
Grant date	Sep 13, 2022

Abstract

A web server device is configured for communicating with a user device over a network via a web page. The web server device can detect a series of commands received from the user device. The web server device can match the series of commands to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can generate, using data obtained from the particular database device, information for a user interface that is displayable by the user device for guiding a user via the web page to input information needed for the particular type of action.

First claim

What is claimed is:

1. A web server device configured for communicating with a user device over a network via a web page, the web server device comprising:
a processing device; and
a non-transitory computer-readable medium comprising instructions that are executable by the processing device to cause the web server device to perform operations, the operations comprising:
detecting a series of commands received from the user device;
matching the series of commands to a workflow, which is associated with a particular type of action among multiple types of actions, solely from an identification of a recipient received from the user device and using stored data that associates types of actions with a plurality of recipients, the recipient being a person, an entity, or an account of another user other than a user of the user device, the multiple types of actions including transfer money, bill payment, direct deposit, person-to-person payment, and wire transfer;
based on the particular type of action, selecting a particular database device among a plurality of database devices from which to obtain data for executing the particular type of action, each database device among the plurality of database devices being associated with a different type of action than another database device among the plurality of database devices; and
generating, using data obtained from the particular database device, information for a user interface that is displayable by the user device for guiding a user via the web page to input information needed for the particular type of action by (i) preventing the user from entering information on the user interface that is unnecessary for executing the particular type of action but that is usable for executing other types of actions and (ii) retaining on the user interface requests for information that is necessary for executing the particular type of action.

2. The web server device of claim 1 , wherein the web server device is positionable in a system, the system comprising:
the plurality of database devices having different data associated with a user identification for the user and corresponding to different types actions;
a backend application server system communicatively coupled between the web server device and the plurality of database devices and between the web server device and an action implementation system that is external to the system, the backend application server system being configured for communicating data between the web server device and the plurality of database devices and for commanding the action implementation system, wherein the particular type of action is a movement of money from or to the action implementation system, wherein the backend application server system is further configured for validating information received from the user device and outputting a command to the action implementation system to execute the particular type of action using the information that is validated; and
an integration system configured for allowing the backend application server system to communicate with a person-to-person action system,
wherein the user interface includes:
a first element for the user to select an account from a list of accounts determined by the web server device to be available for the user, from which to move money;
a second element for the user to identify a recipient account to which to move the money, the recipient account being selectable from a list of available recipient accounts at least initially limited to recipient accounts previously selected by the user;
a third element for the user to identify an amount of money to move; and
a fourth element for the user to select a date on which to execute the particular type of action.

3. The web server device of claim 2 , wherein the plurality of database devices comprise:
a first database device containing information about an action of a first type;
a second database device containing information about an action of a second type; and
a third database device containing user information.

4. The web server device of claim 3 , wherein the user interface includes:
a fifth element for the user to select a payment or a transfer.

5. The web server device of claim 4 , wherein the user interface further comprises:
a sixth element for the user to select among types of implementations for the payment or the transfer, depending on the particular type of action;
a seventh element for listing upcoming payments and completed payments; and
an eighth element with a menu of options to view information and add additional recipient accounts to be displayed in the second element.

6. The web server device of claim 5 , wherein the web server device is configured to rearrange, remove, or add selected elements, based on a type of user device with which the web server device communicates.

7. The web server device of claim 6 , wherein the web server device is configured to provide modified versions of the same user interface to different types of user devices from a common web site.

8. The web server device of claim 7 , wherein the different types of user devices include a mobile device and a laptop computing device.

9. A method for communicating with a user device over a network via a web page, the method comprising:
detecting, by a web server device, a series of commands received from the user device;
matching the series of commands to a workflow, which is associated with a particular type of action among multiple types of actions, solely from an identification of a recipient received from the user device and using stored data that associates types of actions with a plurality of recipients, the recipient being a person, an entity, or an account of another user other than a user of the user device, the multiple types of actions including transfer money, bill payment, direct deposit, person-to-person payment, and wire transfer;
based on the particular type of action, selecting a particular database device among a plurality of database devices from which to obtain data for executing the particular type of action, each database device among the plurality of database devices being associated with a different type of action than another database device among the plurality of database devices; and
generating, using data obtained from the particular database device, information for a user interface that is displayable by the user device for guiding a user via the web page to input information needed for the particular type of action by (i) preventing the user from entering information on the user interface that is unnecessary for executing the particular type of action but that is usable for executing other types of actions and (ii) retaining on the user interface requests for information that is necessary for executing the particular type of action.

10. The method of claim 9 , wherein the web server device is positioned in a system, the system comprising:
the plurality of database devices having different data associated with a user identification for the user and corresponding to different types actions;
a backend application server system communicatively coupled between the web server device and the plurality of database devices and between the web server device and an action implementation system that is external to the system; and
an integration system,
wherein the method further comprises:
communicating, by the backend application server system, data between the web server device and the plurality of database devices;
commanding, by the backend application server system, the action implementation system, wherein the particular type of action is a movement of money from or to the action implementation system;
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Assignees

• Truist Bank

Inventors

• Ratcliffe Lee
• Givens Vicki
• Faulkner Deborah
• Mauney Dan

Classifications

• G06Q20/108 Primary

  Remote banking, e.g. home banking · CPC title

• G06Q20/227 Primary

  characterised in that multiple accounts are available, e.g. to the payer · CPC title