Granted Patent B2

US 12,705,398 · App. 18/614,784 · Granted Aug 11, 2026

Inventors: Sophie Na-Hyun Park (Toronto, CA); Susan McCloskey (Coldwater, CA); Ekaterina Nikiforova (Toronto, CA); Joelle D'Souza (Toronto, CA)

Assignee: The Toronto-Dominion Bank

G06F21/629G09B5/02

Abstract

Claims (34)

1 . An apparatus comprising:

a memory; and

a processor coupled to the memory, the processor configured to:

onboard a user with a child version of a software application and store an account characteristic within an account profile of the software application;

connect a parent version of the software application to the child version of the software application, wherein the processor enables the parent version of the software application to control functionality within the child version of the software application;

determine that a current account characteristic of the user with the child version of the software application has reached a predetermined account characteristic threshold based on the account characteristic stored within the account profile and a system clock of a host platform of the software application; and

in response, automatically disconnect the parent version of the software application from the child version of the software application.

2 . The apparatus of claim 1 , wherein the processor is further configured to determine that the account profile has reached a new milestone based on activity within the account profile, and in response, transmit a notification of the new milestone to the parent version of the software application.

3 . The apparatus of claim 1 , wherein the processor is further configured to receive an instruction from the parent version of the software application, and in response, dynamically activate one or more additional features of the software application in association with the account profile.

4 . The apparatus of claim 1 , wherein the processor is further configured to receive a request to disconnect the parent version of the software application from the child version of the software application prior to the current account characteristic of the user reaching the predetermined account characteristic threshold, and in response, decline the request to disconnect the parent version of the software application.

5 . The apparatus of claim 1 , wherein the processor is further configured to receive a request to disconnect the parent version of the software application from the child version of the software application and determine that the current account characteristic of the user with the child version of the software application has newly reached the predetermined account characteristic threshold in response to receipt of the request.

6 . The apparatus of claim 1 , wherein the processor is further configured to receive an instruction from the parent version of the software application, and in response, dynamically activate educational content within the child version of the software application and display a notification about the educational content via a user interface of the child version of the software application.

7 . The apparatus of claim 1 , wherein the processor is further configured to receive an input from a user interface of the child version of the software application which indicates completion of a task by the user, and in response, transfer value from an account profile associated with the parent version of the software application to an account profile associated with the child version of the software application.

8 . The apparatus of claim 1 , wherein the processor is further configured to receive an instruction from the parent version of the software application which includes a new task to be performed by the user, and in response, display an identifier of the new task within a user interface of the child version of the software application.

9 . A method comprising:

onboarding a user with a child version of a software application, wherein the onboarding comprises storing an account characteristic within an account profile of the software application;

connecting a parent version of the software application to the child version of the software application, wherein the connecting comprises enabling the parent version of the software application to control functionality within the child version of the software application;

determining that a current account characteristic of the user with the child version of the software application has reached a predetermined account characteristic threshold based on the account characteristic stored within the account profile and a system clock of a host platform of the software application; and

in response, automatically disconnecting the parent version of the software application from the child version of the software application.

10 . The method of claim 9 , wherein the method further comprises determining that the account profile has reached a new milestone based on activity within the account profile, and in response, transmitting a notification of the new milestone to the parent version of the software application.

11 . The method of claim 9 , wherein the method further comprises receiving an instruction from the parent version of the software application, and in response, dynamically activating one or more additional features of the software application in association with the account profile.

12 . The method of claim 9 , wherein the method further comprises receiving a request to disconnect the parent version of the software application from the child version of the software application prior to the current account characteristic of the user reaching the predetermined account characteristic threshold, and in response, declining the request to disconnect the parent version of the software application.

13 . The method of claim 9 , wherein the method further comprises receiving a request to disconnect the parent version of the software application from the child version of the software application, wherein the determining comprises determining that the current account characteristic of the user with the child version of the software application has newly reached the predetermined account characteristic threshold in response to receiving the request.

14 . The method of claim 9 , wherein the method further comprises receiving an instruction from the parent version of the software application, and in response, dynamically activating educational content within the child version of the software application and displaying a notification about the educational content via a user interface of the child version of the software application.

15 . The method of claim 9 , wherein the method further comprises receiving an input from a user interface of the child version of the software application which indicates completion of a task by the user, and in response, transferring value from an account profile associated with the parent version of the software application to an account profile associated with the child version of the software application.

16 . The method of claim 9 , wherein the method further comprises receiving an instruction from the parent version of the software application which includes a new task to be performed by the user, and in response, displaying an identifier of the new task within a user interface of the child version of the software application, wherein the new task is based on at least one of training an artificial intelligence (AI) model or executing the AI model.

17 . A non-transitory computer-readable storage medium comprising instructions stored therein which when executed by a processor cause a computer to perform:

onboarding a user with a child version of a software application, wherein the onboarding comprises storing an account characteristic within an account profile of the software application;

connecting a parent version of the software application to the child version of the software application, wherein the connecting comprises enabling the parent version of the software application to control functionality within the child version of the software application;

determining that a current account characteristic of the user with the child version of the software application has reached a predetermined account characteristic threshold based on the account characteristic stored within the account profile and a system clock of a host platform of the software application; and

in response, automatically disconnecting the parent version of the software application from the child version of the software application.

18 . The non-transitory computer-readable storage medium of claim 17 , wherein the processor is further configured to perform determining that the account profile has reached a new milestone based on activity within the account profile, and in response, transmitting a notification of the new milestone to the parent version of the software application.

19 . The non-transitory computer-readable storage medium of claim 17 , wherein the processor is further configured to perform receiving an instruction from the parent version of the software application, and in response, dynamically activating one or more additional features of the software application in association with the account profile.

20 . The non-transitory computer-readable storage medium of claim 17 , wherein the processor is further configured to perform receiving a request to disconnect the parent version of the software application from the child version of the software application prior to the current account characteristic of the user reaching the predetermined account characteristic threshold, and in response, declining the request to disconnect the parent version of the software application.

Assignments (1)

Continuity (1)

References Cited (393)