Abstract: 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.