Graphical user interfaces for consolidated account creation and account funding in digital systems

Abstract

The present disclosure relates to method, systems, and non-transitory computer-readable media for building accounts of a digital system using one or more improved graphical user interfaces. For example, in one or more embodiments, the disclosed systems provide a consolidated graphical user interface for applying for multiple user accounts simultaneously utilizing application information received via an enrollment workflow. In some cases, upon application to the multiple accounts, the disclosed system creates at least one account and puts a hold on at least one other account until one or more additional requirements are met. Further, the disclosed systems can provide a graphical user interface that facilitates funding of an account by, for example, supplying options corresponding to suggested transfer amounts determined from user account characteristics. In some cases, the disclosed systems provide a visual animation of transferring funds between accounts, thereby efficiently communicating the funding and how the transfer affects such accounts.

What is claimed is: 
     
         1 . A computer-implemented method comprising:
 providing, for display within a graphical user interface of a client device corresponding to a user, a selectable option for creating a first account and a second account for a digital system utilizing application information received from the client device;   determining a threshold time period and an additional application requirement for creating the second account after creating the first account;   based on detecting user selection of the selectable option via the graphical user interface:
 creating the first account for the digital system utilizing the application information; and 
 monitoring activities of the user with respect to the digital system, within the threshold time period, for an activity that satisfies the additional application requirement for creating the second account after creating the first account. 
   
     
     
         2 . The computer-implemented method of  claim 1 , wherein providing the selectable option comprises: providing, for display within the graphical user interface of the client device, a first selectable option for creating the first account together with a second selectable option for creating the second account. 
     
     
         3 . The computer-implemented method of  claim 1 , further comprising:
 identifying the activity that satisfies the additional application requirement within the threshold time period; and   creating, based on identifying the activity, the second account using the application information.   
     
     
         4 . The computer-implemented method of  claim 3 , wherein:
 determining the additional application requirement comprises identifying a direct deposit activation requirement; and   identifying the activity that satisfies the additional application requirement comprises detecting activation of a direct deposit feature for the first account.   
     
     
         5 . The computer-implemented method of  claim 1 , further comprising delaying creation of the second account until detecting the activity that satisfies the additional application requirement. 
     
     
         6 . The computer-implemented method of  claim 1 , further comprising cancelling creation of the second account in response to detecting that the threshold time period has expired without detecting the activity that satisfies the additional application requirement. 
     
     
         7 . The computer-implemented method of  claim 1 , wherein providing, for display within the graphical user interface of the client device, the selectable option for creating the first account and the second account for the digital system further comprises providing the selectable option for creating a checking account and a credit account. 
     
     
         8 . The computer-implemented method of  claim 7 , wherein monitoring activities of the user with respect to the digital system further comprises: monitoring activities of the user with respect to the checking account, within the threshold time period, for the activity that satisfies the additional application requirement for creating the credit account after creating the checking account. 
     
     
         9 . A non-transitory computer-readable medium storing instructions thereon that, when executed by at least one processor, cause a computing device to:
 provide, for display within a graphical user interface of a client device corresponding to a user, a selectable option for creating a first account and a second account for a digital system utilizing application information received from the client device;   determine a threshold time period and an additional application requirement for creating the second account after creating the first account;   based on detecting user selection of the selectable option via the graphical user interface:
 create the first account for the digital system utilizing the application information; and 
 monitor activities of the user with respect to the digital system, within the threshold time period, for an activity that satisfies the additional application requirement for creating the second account after creating the first account. 
   
     
     
         10 . The non-transitory computer-readable medium of  claim 9 , further comprising instructions that, when executed by the at least one processor, cause the computing device to provide the selectable option by providing, for display within the graphical user interface of the client device, a first selectable option for creating the first account together with a second selectable option for creating the second account. 
     
     
         11 . The non-transitory computer-readable medium of  claim 9 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:
 identify the activity that satisfies the additional application requirement within the threshold time period; and   create, based on identifying the activity, the second account using the application information.   
     
     
         12 . The non-transitory computer-readable medium of  claim 9 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:
 determine the additional application requirement by identifying a direct deposit activation requirement; and   identify the activity that satisfies the additional application requirement by detecting activation of a direct deposit feature for the first account.   
     
     
         13 . The non-transitory computer-readable medium of  claim 9 , further comprising instructions that, when executed by the at least one processor, cause the computing device to delay creation of the second account until detecting the activity that satisfies the additional application requirement. 
     
     
         14 . The non-transitory computer-readable medium of  claim 9 , further comprising instructions that, when executed by the at least one processor, cause the computing device to cancel creation of the second account in response to detecting that the threshold time period has expired without detecting the activity that satisfies the additional application requirement. 
     
     
         15 . A system comprising:
 at least one processor; and   a non-transitory computer-readable medium comprising instructions that, when executed by the at least one processor, cause the system to:
 provide, for display within a graphical user interface of a client device corresponding to a user, a selectable option for creating a first account and a second account for a digital system utilizing application information received from the client device; 
 determine a threshold time period and an additional application requirement for creating the second account after creating the first account; 
 based on detecting user selection of the selectable option via the graphical user interface:
 create the first account for the digital system utilizing the application information; and 
 monitor activities of the user with respect to the digital system, within the threshold time period, for an activity that satisfies the additional application requirement for creating the second account after creating the first account. 
 
   
     
     
         16 . The system of  claim 15 , further comprising instructions that, when executed by the at least one processor, cause the system to provide the selectable option by providing, for display within the graphical user interface of the client device, a first selectable option for creating the first account together with a second selectable option for creating the second account. 
     
     
         17 . The system of  claim 15 , further comprising instructions that, when executed by the at least one processor, cause the system to:
 identify the activity that satisfies the additional application requirement within the threshold time period; and   create, based on identifying the activity, the second account using the application information.   
     
     
         18 . The system of  claim 15 , further comprising instructions that, when executed by the at least one processor, cause the system to:
 determine the additional application requirement by identifying a direct deposit activation requirement; and   identify the activity that satisfies the additional application requirement by detecting activation of a direct deposit feature for the first account.   
     
     
         19 . The system of  claim 15 , further comprising instructions that, when executed by the at least one processor, cause the system to delay creation of the second account until detecting the activity that satisfies the additional application requirement. 
     
     
         20 . The system of  claim 15 , further comprising instructions that, when executed by the at least one processor, cause the system to cancel creation of the second account in response to detecting that the threshold time period has expired without detecting the activity that satisfies the additional application requirement.