IP Library Granted Patent US 12,554,541
Granted Patent B2
US 12,554,541 · App. 17/894,433 · Granted Feb 17, 2026

Systems and methods for providing contextual notifications

Inventors: Dong Woo Han (Burlington, CA); Jessica Marie Porciello (Campbelville, CA)
Assignee: The Toronto-Dominion Bank
G06F9/5033
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Quick Facts
Patent No.
US 12,554,541
App. No.
17/894,433
Granted
Feb 17, 2026
Kind
B2
Abstract

A computer-implemented method is disclosed. The method includes: receiving, via a user device, input of parameters associated with a schedule item and a resource allocation; obtaining account data of a resource account associated with the user device; generating a first schedule of recommended activities for the schedule item based on the inputted parameters and the account data of the resource account, the first schedule identifying one or more activities and an order associated with the one or more activities; obtaining real-time context data associated with the user device; detecting a deviation from the first schedule based on the real-time context data; and in response to detecting the deviation, providing, via the user device, a first notification including indications of the detected deviation and a recommendation of a second schedule of activities.

Claims (36)

1 . A computing system, comprising:

a processor; and

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

receive, via a user device associated with a resource account, input of parameters associated with a first task comprising a plurality of account operations and a first allocation of resources of the resource account in connection with the first task;

generate a first schedule of recommended operations for the first task based on the inputted parameters and account data of the resource account, the first schedule defining an order associated with the recommended operations;

obtain real-time context data associated with the user device based on tracking at least one of real-time location or device usage data of the user device;

detect a deviation from expected account operations or projected route data associated with the first schedule based on the obtained real-time context data and account data of the resource account; and

in response to detecting the deviation:

provide, via the user device, a first notification including indications of the detected deviation and a recommendation of an updated resource allocation; and

enable access control of resources of the resource account based on restricting account operations associated with the resource account in accordance with the updated resource allocation.

2 . The computing system of claim 1 , wherein generating the recommendation of the first schedule comprises providing, to the user device for display thereon, display data associated with a map interface, the display data including graphical representations of the one or more activities.

3 . The computing system of claim 2 , wherein the display data includes indications of locations and projected costs associated with the recommended operations.

4 . The computing system of claim 1 , wherein the real-time context data comprises a current location of the user device.

5 . The computing system of claim 1 , wherein detecting the deviation comprises defining geofences relative to projected routes associated with the first schedule and detecting triggers using geofence data.

6 . The computing system of claim 1 , wherein providing the first notification comprises generating a message identifying the deviation and the recommendation of the updated resource allocation and transmitting the message to the user device.

7 . The computing system of claim 1 , wherein the instructions, when executed, further configure the processor to detect one or more trigger conditions with respect to the account data of the resource account and providing second notifications to the user device in response to detecting the one or more trigger conditions.

8 . The computing system of claim 7 , wherein detecting the one or more trigger conditions comprises determining a current balance associated with the resource account and comparing the current balance with a defined threshold value.

9 . The computing system of claim 1 , wherein the instructions, when executed, further configure the processor to obtain account operations data for the resource account during a first time period associated with the first task and wherein the recommendation of the updated resource allocation is generated based on the account operations data.

10 . The computing system of claim 1 , wherein detecting the deviation from the first schedule comprises receiving, via the user device, a request for activity data of at least one activity that is not included in the first schedule.

11 . A computer-implemented method, comprising:

receiving, via a user device associated with a resource account, input of parameters associated with a first task comprising a plurality of account operations and a first allocation of resources of the resource account in connection with the first task;

generating a first schedule of recommended operations for the first task based on the inputted parameters and account data of the resource account, the first schedule defining an order associated with the recommended operations;

obtaining real-time context data associated with the user device based on tracking at least one of real-time location or device usage data of the user device;

detecting a deviation from expected account operations or projected route data associated with the first schedule based on the obtained real-time context data and account data of the resource account; and

in response to detecting the deviation:

providing, via the user device, a first notification including indications of the detected deviation and a recommendation of an updated resource allocation; and

enabling access control of resources of the resource account based on restricting account operations associated with the resource account in accordance with the updated resource allocation.

12 . The method of claim 11 , wherein generating the recommendation of the first schedule comprises providing, to the user device for display thereon, display data associated with a map interface, the display data including graphical representations of the one or more activities.

13 . The method of claim 12 , wherein the display data includes indications of locations and projected costs associated with the recommended operations.

14 . The method of claim 11 , wherein the real-time context data comprises a current location of the user device.

15 . The method of claim 11 , wherein detecting the deviation comprises defining geofences relative to projected routes associated with the first schedule and detecting triggers using geofence data.

16 . The method of claim 11 , wherein providing the first notification comprises generating a message identifying the deviation and the recommendation of the updated resource allocation and transmitting the message to the user device.

17 . The method of claim 11 , further comprising detecting one or more trigger conditions with respect to the account data of the resource account and providing second notifications to the user device in response to detecting the one or more trigger conditions.

18 . The method of claim 17 , wherein detecting the one or more trigger conditions comprises determining a current balance associated with the resource account and comparing the current balance with a defined threshold value.

19 . The method of claim 11 , further comprising obtaining account operations data for the resource account during a first time period associated with the first task and wherein the recommendation of the updated resource allocation is generated based on the account operations data.

20 . The method of claim 11 , wherein detecting the deviation from the first schedule comprises receiving, via the user device, a request for activity data of at least one activity that is not included in the first schedule.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 16, 2026
From: HAN, DONG WOO; PORCIELLO, JESSICA MARIE
To: THE TORONTO-DOMINION BANK
Reel/Frame 073492/0946 →
Continuity (1)
Related Publication 20240069972A1 · Feb 29, 2024
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