Patent ID: 11886764
Assignee: THE TORONTO-DOMINION BANK
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 16:
17. A system comprising:
a memory storing instructions;
at least one hardware processor interoperably coupled with the memory, wherein the instructions instruct the at least one hardware processor to perform operations comprising:
determining to initiate a user session with a first user device operated by a user, wherein the first user device provides an audio-based interface through which the user participates in the user session;
providing, via the audio-based interface and using an artificial intelligence (AI) system, digital financial services to the user during the user session;
determining, based on contextual data and user data, to select a new user interface for the user session, wherein the contextual data is indicative of real-time privacy characteristics of an environment of the user, and wherein the user data comprises user preferences related to preferred electronic devices, preferred user interfaces, and preferred times for initiating user sessions;
determining a plurality of available interfaces ranked according to context, optimality, user location, or scheduled timing;
selecting, from the ranked plurality of available interfaces, a second interface provided by at least a second user device as the new user interface; and
implementing the second interface to facilitate for the user to continue participating in the user session.