Adaptive Resource Account Interface Prioritizing Operations

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Solution Overview

Problem

Traditional banking user interfaces provide static displays of account information, limiting user access to features and causing delays and difficulty in locating relevant information, as they do not support individual user priorities and preferences.

Innovation Solution

A computing system that dynamically generates and updates a graphical user interface for resource account management by analyzing historical operations data and user engagement, assigning priority scores to account operations, and rearranging user interface elements based on these scores to provide a personalized and adaptive interface.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If a static default user interface design is used, then the interface structure is simple and stable, but user access efficiency decreases and frequently used operations are harder to locate

Engineering Contradiction:
ImproveUser access efficiencyVSAvoidInterface structure complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The user interface transitions from a static default layout to a dynamic adaptive layout that automatically reorganizes based on user behavior patterns. The system monitors historical operations data and user engagement metrics to dynamically adjust the positioning, sizing, and visibility of interface elements, ensuring frequently used operations are prominently displayed while maintaining interface stability through controlled adaptation mechanisms.

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The system implements a feedback loop where user interactions with the interface are continuously tracked and analyzed. Historical operations data and real-time user engagement data feed into an analysis mechanism that identifies usage patterns, which then inform automatic interface reconfiguration. This closed-loop feedback system enables the interface to learn from user behavior and adapt its structure to improve accessibility without requiring manual user configuration.

Inventive Principle:
Principle #23Feedback

2Loss of time

If account information is displayed according to a default design, then the interface maintains consistency, but users experience delays in locating relevant information

Engineering Contradiction:
ImproveTime to locate informationVSAvoidInterface adaptability
Core Design Contradiction:
Loss of timeVSAdaptability or versatility

Solution Approach 1:

The system performs preliminary analysis of user behavior patterns by monitoring and storing historical operations data before users need to access specific functions. By pre-identifying frequently used operations and preferred interface configurations through continuous data collection and analysis, the system proactively prepares optimized interface layouts that anticipate user needs, thereby reducing the time required to locate relevant information while maintaining appropriate adaptability.

Inventive Principle:
Principle #10Preliminary action

3Productivity

If a static interface is provided, then the system is easier to maintain, but user productivity decreases due to limited access to features

Engineering Contradiction:
ImproveUser productivityVSAvoidSystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The interface system performs self-configuration by automatically analyzing user engagement data and historical operations to determine optimal layouts and feature priorities. Rather than requiring manual system configuration or complex administrative oversight, the interface autonomously adapts its structure based on observed usage patterns, thereby improving user productivity through personalized access while keeping system maintenance relatively simple through automated decision-making algorithms.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS20240095819A1Graphical user interfaces for managing resource accounts
Publication Date: 2024.03.21 THE TORONTO DOMINION BANK
  • US20240095819A1 patent drawing
  • US20240095819A1 patent drawing
  • US20240095819A1 patent drawing

AI summary

A computer-implemented method is disclosed. The method includes: obtaining historical operations data for a resource account, the historical operations data identifying account operations performed by a user in connection with the resource account; generating display data for a graphical user interface for accessing the resource account, the display data including user interface elements associated with a first set of highest priority account operations that are selected based on the historical operations data for the resource account; obtaining user engagement data representing user interaction with the graphical user interface, the user engagement data identifying at least one account operation; identifying a second set of highest priority account operations based on the user engagement data; generating updated display data for the graphical user interface associated with the second set of highest priority account operations; and providing, to a client device for display thereon, the updated display data.