Abstract: A computing device, a computer program product, and a computer-implemented method for delivering enhanced financial services and, more particularly, for facilitating enhanced network communication between a user and a financial institution via a client device. A digital financial management platform for the client device is provided that includes one or more user-engageable use restriction input settings to enable one or more use restrictions on one or more user-authorized financial payment instruments associated with one or more financial accounts maintained by the user at a financial institution. The one or more user-engageable use restriction input settings includes a predetermined spend limit input setting having a predetermined maximum spend limit that is based on a current user status level among a plurality of user status levels associated with the one or more financial accounts.

Abstract: A computing device, a computer program product, and a computer-implemented method for delivering enhanced financial services and, more particularly, for facilitating enhanced network communication between a user and a financial institution via a client device. A digital financial management platform for the client device is provided that includes one or more user-engageable use restriction input settings to enable one or more use restrictions on one or more user-authorized financial payment instruments associated with one or more financial accounts maintained by the user at a financial institution. The one or more user-engageable use restriction input settings includes a predetermined spend limit input setting having a predetermined maximum spend limit that is based on a current user status level among a plurality of user status levels associated with the one or more financial accounts.

Abstract: Systems, apparatuses, and computer-implemented methods provide for technology that identifies a current status level of an account based on an aggregate balance associated with an individual corresponding to the account, generates a GUI. The GUI includes an indication of a plurality of status levels, an indication of the current status level, an unlocked indicator for status levels below the current status level, and a locked indicator for status levels above the current status level, and causes display of the GUI on a user interface of a client device associated with the individual.

Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.

Abstract: Profile information describing an attribute of a user is received from a network-based service. A selection of a goal relating to the attribute is received from the user. A start point of the user is determined with respect to the goal, where the start point is based on the profile information. A path is determined from the start point to the goal. A map on which the path is visually represented is generated and displayed. The progress of the user is tracked, including representing the user as being at a point on the path. A graphical depiction of a displayed incline of the path is changed based on the tracking of the progress of the user.

Abstract: Profile information describing an attribute of a user is received from a network based service. Selection of a goal relating to the attribute is received from the user. A start point with respect to the goal is determined based on the profile information, and a path from the start point to the goal is determined utilizing a planning algorithm. A map is generated based on the path, which is visually represented on the map. At least one GUI descriptor is created, specifying instructions for rendering a user-specific GUI that displays the map.

Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.

Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.

Abstract: Disclosed in some examples are systems, methods, and machine-readable mediums that provide for customized goal seeking GUIs that are created by one or more algorithms based upon user input and user profile information from either a GUI service or another network accessible service. In some examples, the GUI may be provided via one or more GUI descriptors that are created by the GUI service and sent to a computing device of the user.