Physical, logical separation of balances of funds

• Main Author: Grassadonia, Brian
• Format: Patent
• Language: English
• Published: 23.05.2023
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

In particular embodiments, a method includes providing a user interface of a payment service application that includes interactive icons corresponding to financial accounts associated with a user. The method includes determining suggested financial sub-accounts that relate to a financial account associated with the user and suggested balances of the suggested financial sub-accounts based on a transaction history of the user associated with the related financial account. The method includes presenting suggested financial sub-accounts in the user interface. The method includes receiving input that represents a request to establish the suggested financial sub-account. The method includes processing the request by associating the financial sub-account with the related financial account, associating a sub-account identifier with the financial sub-account, and causing a portion of the account balance of the related financial account to be allocated to the sub-account balance. The method includes presenting a new interactive icon corresponding to the financial sub-account.