PAYMENT PREFERENCE USER INTERFACE
A display shows who a user owes money to on one side of the display and who the user is owed money by on the other side of the display. The parties are shown with a visual representation (e.g., a photo or text), a name, and an amount. The more someone owes or is owed, the farther they are shown extending from the center-line (or 0 owed/is owed line). The user can select a person/entity that the user owes money to by tapping and dragging the visual image and then moving that selection to the same row as a person/entity that owes money to the user. This allows the user to pass some of the money owed to the user to pay the person/entity that the user owes money to. Once confirmed, the tree is updated. The payment provider may facilitate the money exchange between the two selected parties and the user.
1 . A system comprising:
a non-transitory memory storing user account information, wherein the information comprises at least an identity of one user payee and an amount owed by a user to the payee and at least an identity of one user payer and an amount owed by the payer to the user; and
one or more hardware processors in communication with the non-transitory memory and configured for:
determining an identity of each of a plurality of user payers;
determining an amount owed by each of the user payers to a user;
determining an identity of each of a plurality of user payees;
determining an amount the user owes to each of the user payees; and
communicating, to a user device, data that enables the user device to display a payment tree, wherein the payment tree comprises a first area showing each of the user payers, an amount owed to the user by each of the user payers, and a first visual indicator having a parameter dependent upon the amount owed and a second area showing each of the user payees, an amount the user owes to each of the user payees, and second visual indicator having a parameter dependent upon the amount the user owes to each of the user payees.
2 . The system of claim 1 , wherein the first and second visual indicators is a bar or line, and the parameter is a length of the bar or line.
3 . The system of claim 2 , wherein the bars or lines extend from a zero owed/zero owes visual line.
4 . The system of claim 1 , wherein the payees and the payers comprises individuals and/or entities.
5 . The system of claim 1 , wherein the payment tree enables the user to select at least one user payee from the payment tree and at least one user payer from the payment tree to allow a payment provider to process a payment from the selected user payer(s) to the selected user payee(s).
6 . The system of claim 5 , wherein the payment tree is updated to reflect the payment.
7 . The system of claim 5 , wherein the user selects the payee(s) by moving the selected payer(s) to a desired payee(s).
8 . The system of claim 5 , wherein the user selects the desired payer(s) by moving the selected payee(s) to a desired payer(s).
9 . A method comprising:
determining, electronically by a hardware processor of a service provider, an identity of each of a plurality of user payers;
determining an amount owed by each of the user payers to a user;
determining an identity of each of a plurality of user payees;
determining an amount the user owes to each of the user payees; and
communicating, to a user device, electronic data that enables the user device to display a payment tree, wherein the payment tree comprises a first area showing each of the user payers, an amount owed to the user by each of the user payers, and a first visual indicator having a parameter dependent upon the amount owed and a second area showing each of the user payees, an amount the user owes to each of the user payees, and second visual indicator having a parameter dependent upon the amount the user owes to each of the user payees.
10 . The method of claim 9 , wherein the first and second visual indicators is a bar or line, and the parameter is a length of the bar or line.
11 . The method of claim 10 , wherein the bars or lines extend from a zero owed/zero owes visual line.
12 . The method of claim 9 , wherein the payees and the payers comprises individuals and/or entities.
13 . The method of claim 9 , wherein the payment tree enables the user to select at least one user payee from the payment tree and at least one user payer from the payment tree to allow a payment provider to process a payment from the selected user payer(s) to the selected user payee(s).
14 . The method of claim 13 , wherein the payment tree is updated to reflect the payment.
15 . The method of claim 13 , wherein the user selects the payee(s) by moving the selected payer(s) to a desired payee(s).
16 . The method of claim 13 , wherein the user selects the desired payer(s) by moving the selected payee(s) to a desired payer(s).
17 . A non-transitory computer readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:
determining an identity of each of a plurality of user payers;
determining an amount owed by each of the user payers to a user;
determining an identity of each of a plurality of user payees;
determining an amount the user owes to each of the user payees; and
communicating, to a user device, data that enables the user device to display a payment tree, wherein the payment tree comprises a first area showing each of the user payers, an amount owed to the user by each of the user payers, and a first visual indicator having a parameter dependent upon the amount owed and a second area showing each of the user payees, an amount the user owes to each of the user payees, and second visual indicator having a parameter dependent upon the amount the user owes to each of the user payees.
18 . The transitory computer readable medium of claim 17 , wherein the first and second visual indicators is a bar or line, and the parameter is a length of the bar or line.
19 . The transitory computer readable medium of claim 18 , wherein the bars or lines extend from a zero owed/zero owes visual line.
20 . The transitory computer readable medium of claim 17 , wherein the payees and the payers comprises individuals and/or entities.
21 . The transitory computer readable medium of claim 17 , wherein the payment tree enables the user to select at least one user payee from the payment tree and at least one user payer from the payment tree to allow a payment provider to process a payment from the selected user payer(s) to the selected user payee(s).
22 . The transitory computer readable medium of claim 21 , wherein the payment tree is updated to reflect the payment.
23 . The transitory computer readable medium of claim 21 , wherein the user selects the payee(s) by moving the selected payer(s) to a desired payee(s).
24 . The transitory computer readable medium of claim 21 , wherein the user selects the desired payer(s) by moving the selected payee(s) to a desired payer(s).