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

Claim 0:
1. 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:
identifying an event trigger and contextual data for initiating a user session with a first user device operated by a user, wherein the user session involves an artificial intelligence (AI) system providing digital financial services to the user;
providing the event trigger and the contextual data as input to a machine learning model, wherein the machine learning model is trained to: determine (i) whether to initiate the user session based on the event trigger and the contextual data, and (ii) a time for initiating the user session;
receiving, from the machine learning model, instructions to initiate the user session at the time;
providing, via a first interface of the first user device and during the user session, digital financial services to the user;
receiving, via the first interface and from the user, a request related to the digital financial services;
determining, based on the request, to select a new user interface for the user session;
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, during the user session, the second interface to facilitate for the user to continue participating in the user session.