Granted Patent B2

US 12,711,683 · App. 18/412,435 · Granted Aug 18, 2026

Inventors: Jung Sook Lim (Markham, CA); Susan Marjorie Juvet (Toronto, CA); Emily Anne Lowther (Elmira, CA); Claire Iona Wilcox (Toronto, CA); Ethel Zlotnik Chavez (Toronto, CA)

Assignee: The Toronto-Dominion Bank

G06T13/00G06V40/176G06T2213/08

Abstract

Claims (81)

1 . An apparatus comprising:

a processor that executes instructions stored in a memory to configure the processor to:

receive contextual information corresponding to a user during an inquiry by the user about a feature of a software application;

in response to the inquiry, execute a waiting period for a response to the inquiry;

select an animation to display during the waiting period based on the contextual information and the inquiry, wherein the animation provides data associated with the feature;

display the animation during the waiting period;

determine if the user has accepted the feature.

2 . The apparatus of claim 1 , wherein, when the processor determines if the user has accepted the feature, the processor is configured to:

determine if the user has accepted the feature within a certain time after one or more of the waiting period or the animation ends.

3 . The apparatus of claim 1 , wherein, when the processor determines that the user has not accepted the feature, the processor is configured to:

determine that the user has not accepted the feature within a certain time,

wherein, in response to it being determined that the user has not accepted the feature, the processor is further configured to one or more of:

offer a different feature or select a different animation.

4 . The apparatus of claim 1 , wherein, when the processor receives the contextual information, the processor is configured to:

receive qualifications of the user with respect to the feature,

wherein the processor is further configured to:

determine whether to show the user a message based on the qualifications.

5 . The apparatus of claim 4 , wherein, when the processor determines whether to show the user the message, the processor is configured to:

determine a likelihood of the user accepting the feature based on an execution of an artificial intelligence (AI) model on the qualifications; and

determine whether to show the user the message based on the likelihood.

6 . The apparatus of claim 1 , wherein the processor is configured to:

receive additional contextual information about the user during the display of the animation;

store the additional contextual information in a data store; and

based on the additional contextual information, perform one or more of augmenting the animation being displayed or selecting a different animation to display.

7 . The apparatus of claim 1 , wherein the processor is configured to:

after the animation and the waiting period have ended, determine that the user has not accepted the feature;

in response to the user not having accepted the feature, retrieve additional contextual information about the user and past transactions of the user; and

using an artificial intelligence (AI) model, generate a recommendation for a new feature to offer the user.

8 . The apparatus of claim 1 , wherein, when the processor receives the contextual information, the processor is configured to:

receive an image of the user,

wherein the processor is further configured to:

execute a facial recognition algorithm on the image of the user to identify a state of the user; and

dynamically select the animation from a plurality of animation files based on the state and a label assigned to the animation.

9 . A method comprising:

receiving contextual information corresponding to a user during an inquiry by the user about a feature of a software application;

in response to the inquiry, executing a waiting period for a response to the inquiry;

selecting an animation to display during the waiting period based on the contextual information and the inquiry, wherein the animation provides data associated with the feature;

displaying the animation during the waiting period; and

determining if the user has accepted the feature.

10 . The method of claim 9 , wherein the determining if the user has accepted the feature comprises: further comprising

determining if the user has accepted the feature within a certain time after one or more of the waiting period or the animation ends.

11 . The method of claim 9 , wherein the determining if the user has accepted the feature comprises:

determining that the user has not accepted the feature within a certain time; and

in response to it being determined that the user has not accepted the feature, the method further comprises one or more of:

offering a different feature or selecting a different animation.

12 . The method of claim 9 , wherein the receiving of the contextual information comprises:

receiving qualifications of the user with respect to the feature,

wherein the method further comprises:

determining whether to show the user a message based on the qualifications.

13 . The method of claim 12 , wherein the determining of whether to show the user the message comprises:

determining a likelihood of the user accepting the feature based on an execution of an artificial intelligence (AI) model on the qualifications; and

determining whether to show the user the message based on the likelihood.

14 . The method of claim 9 , comprising:

receiving additional contextual information about the user during the display of the animation;

storing the additional contextual information in a data store; and

based on the additional contextual information, performing one or more of augmenting the animation being displayed or selecting a different animation to display.

15 . The method of claim 9 , comprising:

after the animation and the waiting period have ended, determining that the user has not accepted the feature;

in response to the user not having accepted the feature, retrieving additional contextual information about the user and past transactions of the user; and

using an artificial intelligence (AI) model, generating a recommendation for a new feature to offer the user.

16 . The method of claim 9 , wherein the receiving of the contextual information comprises:

receiving an image of the user,

wherein the method further comprises:

executing a facial recognition algorithm on the image of the user to identify a state of the user; and

dynamically selecting the animation from a plurality of animation files based on the state and a label assigned to the animation.

17 . A non-transitory computer-readable medium comprising instructions that, when executed by a processor, cause the processor to perform:

receiving contextual information corresponding to a user during an inquiry by the user about a feature of a software application;

in response to the inquiry, executing a waiting period for a response to the inquiry;

selecting an animation to display during the waiting period based on the contextual information and the inquiry, wherein the animation provides data associated with the feature;

displaying the animation during the waiting period; and

determining if the user has accepted the feature.

18 . The non-transitory computer-readable medium of claim 17 , wherein the determining if the user has accepted the feature comprises:

determining if the user has accepted the feature within a certain time after one or more of the waiting period or the animation ends.

19 . The non-transitory computer-readable medium of claim 17 , wherein the determining if the user has accepted the feature comprises:

determining that the user has not accepted the feature within a certain time; and

in response to it being determined that the user has not accepted the feature, the method further comprises one or more of:

offering a different feature or selecting a different animation.

20 . The non-transitory computer-readable medium of claim 17 , wherein the receiving of the contextual information comprises:

receiving qualifications of the user with respect to the feature,

wherein the instructions cause the processor to perform:

determining whether to show the user a message based on the qualifications.

Assignments (1)

Continuity (1)

References Cited (398)