A web server device is configured for communicating with a user device over a network via a web page. The web server device can receive an indication from the user device and can determine an action indicated by the user device among multiple actions that include transfer money, bill payment, direct deposit, person-to-person payment, and wire transfer. The web server device can determine the action indicated by the user device among the multiple actions by identifying a type of action solely from an identification of a recipient received from the user device and using stored data that includes associations of types of actions with a plurality of recipients. The web server can generate information for a user interface that is displayable by the user device for guiding the user via the web page to input information needed for the action determined from the multiple actions.