Patent ID: 8914308

Claim:
A method for displaying initiation 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; in response to user input, 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 transaction(s); 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 among the list of templates, wherein the selected template represents a payment template for payment to a trusted receiver of funds.