IP Library › Granted Patent US 12,608,429
Granted Patent B2
US 12,608,429 · App. 18/310,569 · Granted Apr 21, 2026

Dynamic user interface for navigating user account data

Inventors: Nasim Sarir (Thornhill, CA); Mei Hu (Mississauga, CA); Yanfang Zhang (Toronto, CA)
Assignee: The Toronto-Dominion Bank
G06F16/951G06F16/24578G06F16/248G06F16/3322G06F16/9535H04L67/306
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Quick Facts
Patent No.
US 12,608,429
App. No.
18/310,569
Granted
Apr 21, 2026
Kind
B2
Abstract

A processor-implemented method is disclosed. The method may include: performing a first data transfer for transferring data from a user account to a recipient account; updating an interaction model for the user account based on the first data transfer, the interaction model including definitions of user intents associated with account operations that are initiated in connection with the user account and arguments associated with the user intents, and wherein updating the interaction model comprises: configuring the interaction model to support at least one of a new user intent for transferring data from the user account or a new argument for an existing user intent defined in the interaction model; receiving, from a client device associated with the user account, a query having at least one query term; determining, based on the updated interaction model and the at least one query term, that the query maps to a user intent, defined in the updated interaction model, that is associated with the first data transfer; and in response to determining that the query maps to the user intent associated with the first data transfer, providing, to the client device for display thereon, an actionable search result for initiating a second account operation based on the first data transfer.

Claims (44)

1 . A computing system, comprising:

a processor; and

a memory coupled to the processor, the memory storing processor-executable instructions that, when executed by the processor, are to cause the processor to:

perform a first data transfer for transferring data from a user account to a recipient account;

update an interaction model for the user account based on the first data transfer, the interaction model comprising a database stored in the memory and including data records containing definitions of user intents associated with account operations that are initiated in connection with the user account and arguments associated with the user intents, and wherein updating the interaction model comprises:

configuring the interaction model to:

store, in the database, a new data record containing user intent data associated with a new data transfer intent associated with the first data transfer for transferring data from the user account to a recipient account; or

update an existing data record associated with a first user intent defined in the interaction model based on adding one or more parameters of the first data transfer as new arguments for the first user intent; and

in response to determining that an incoming query at a client device maps to a user intent associated with the first data transfer defined in the updated interaction model, provide, to the client device for display in a search result user interface, at least one actionable search result for initiating a second account operation defined by one or more parameters stored in the interaction model in association with the first data transfer.

2 . The computing system of claim 1 , wherein the new data transfer intent or the new argument indicates a recipient associated with the first data transfer.

3 . The computing system of claim 1 , wherein the search result includes a transfer history summary for transfers to a recipient associated with the first data transfer.

4 . The computing system of claim 3 , wherein the query indicates a time period and wherein the transfer history summary is associated with the time period.

5 . The computing system of claim 1 , wherein input of the query is received via a free-form search box displayed on the client device.

6 . The computing system of claim 1 , wherein the client device includes a smart speaker.

7 . The computing system of claim 1 , wherein the instructions, when executed, are to further cause the processor to:

activate a value transfer card;

update the interaction model for the account based on the value transfer card;

receive, from the client device, a further input representing a further query having at least one query term;

determine, based on the interaction model and the at least one query term of the further query, that the further query maps to a user intent associated with the value transfer card; and

in response to determining that the further query maps to a user intent associated with the value transfer card, provide a search result based on the value transfer card.

8 . The computing system of claim 7 , wherein updating the interaction model for the account based on the value transfer card comprises adding support for a user intent to lock the value transfer card and wherein the search result is a selectable option to lock the value transfer card.

9 . The computing system of claim 1 , wherein the second account operation comprises a data transfer from the user account to the recipient account.

10 . The computing system of claim 1 , wherein configuring the interaction model comprises adding one or more parameters associated with the first data transfer as arguments for a user intent of the interaction model.

11 . A processor-implemented method, comprising:

performing a first data transfer for transferring data from a user account to a recipient account;

updating an interaction model for the user account based on the first data transfer, the interaction model comprising a database stored in the memory and including data records containing definitions of user intents associated with account operations that are initiated in connection with the user account and arguments associated with the user intents, and wherein updating the interaction model comprises:

configuring the interaction model to:

store, in the database, a new data record containing user intent data associated with a new data transfer intent associated with the first data transfer for transferring data from the user account to a recipient account; or

update an existing data record associated with a first user intent defined in the interaction model based on adding one or more parameters of the first data transfer as new arguments for the first user intent; and

in response to determining that an incoming query at a client device maps to a user intent associated with the first data transfer defined in the updated interaction model, providing, to the client device for display in a search result user interface, at least one actionable search result for initiating a second account operation defined by one or more parameters stored in the interaction model in association with the first data transfer.

12 . The method of claim 11 , wherein the new data transfer intent or the new argument indicates a recipient associated with the first data transfer.

13 . The method of claim 11 , wherein the search result includes a transfer history summary for transfers to a recipient associated with the first data transfer.

14 . The method of claim 13 , wherein the query indicates a time period and wherein the transfer history summary is associated with the time period.

15 . The method of claim 11 , wherein input of the query is received via a free-form search box displayed on the client device.

16 . The method of claim 11 , wherein the client device includes a smart speaker.

17 . The method of claim 11 , further comprising:

activating a value transfer card;

updating the interaction model for the user account based on the value transfer card;

receiving, from the client device, a further input representing a further query having at least one query term;

determining, based on the interaction model and the at least one query term of the further query, that the further query maps to a user intent associated with the value transfer card; and

in response to determining that the further query maps to a user intent associated with the value transfer card, providing a search result based on the value transfer card.

18 . The method of claim 17 , wherein updating the interaction model for the user account based on the value transfer card comprises adding support for a user intent to lock the value transfer card and wherein the search result is a selectable option to lock the value transfer card.

19 . The method of claim 11 , wherein the second account operation comprises a data transfer from the user account to the recipient account.

20 . The method of claim 11 , wherein configuring the interaction model comprises adding one or more parameters associated with the first data transfer as arguments for a user intent of the interaction model.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 2, 2023
From: SARIR, NASIM; HU, MEI; ZHANG, YANFANG
To: THE TORONTO-DOMINION BANK
Reel/Frame 063501/0493 →
Continuity (2)
Continuation 16592851 · Oct 4, 2019
Related Publication 20230273963A1 · Aug 31, 2023
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