System for facilitating user engagements during navigation of virtual marketplace

1 . A system for monitoring and intervening with respect to prospective transactions occurring during navigation by a user of a virtual three-dimensional environment using a virtual reality computing device, the system managed by a first financial institution, the system comprising:

at least one processor;

a communication interface communicatively coupled to the at least one processor; and

a memory device storing executable code that, when executed, causes the processor to:

monitor data transferred to or from the virtual reality computing device regarding activities of the user during navigation of the virtual three-dimensional environment, wherein the monitoring of data is performed by a first application executed by the virtual reality computing device and managed by the first financial institution, wherein the virtual three-dimensional environment is generated by a second application executed by the virtual reality computing device and managed by an independent entity different from the first financial institution, wherein the data transferred to or from the virtual reality computing device includes data exchanged between the virtual reality computing device and an external system associated with the independent entity, and wherein the first application is configured to monitor the data exchanged between the virtual reality computing device and the external system so as to identify the data relating to the activities of the user during navigation of the virtual three-dimensional environment, wherein the monitoring of the data includes monitoring data relating to one or more of a viewing perspective provided to the user by the second application via a headset of the virtual reality computing device, inputs initiated by the user with respect to the second application and via use of the headset or a controller of the virtual reality computing device, or a position of an avatar of the user within the virtual three-dimensional environment generated by the second application;

receive interaction data, sent via a function of the first application, when the monitoring of the data regarding the activities of the user during navigation of the virtual three-dimensional environment indicates that the user is interacting with an interactive element associated with a product and/or service in a manner indicative of the user prospectively purchasing the product and/or service during the navigation of the virtual three-dimensional environment, wherein the interaction data includes data regarding a price to purchase the product and/or service, and wherein the user interacting with the interactive element includes one or more of the avatar of the user having a position within the virtual three-dimensional environment that is within a predetermined distance of a position of the interactive element within the virtual three-dimensional environment, the interactive element being placed within the viewing perspective of the user via user-initiated movement of the headset, the avatar of the user manipulating the interactive element within the virtual three-dimensional environment, or the user providing an input via one or both of the headset or the controller indicating selection of the interactive element within the virtual three-dimensional environment;

access personal data of the user stored to the memory device, wherein the user has an existing financial account with the first financial institution, wherein the personal data of the user includes data associated with the existing financial account including one or more of a monetary account balance of the existing account, a credit rating of the user, or a predefined budget constraint of the user;

automatically determine in real-time, via use of a first algorithm, whether to initiate a modification of a current rendered state of the virtual three-dimensional environment, wherein the first algorithm includes the use of first inputs derived from each of the received interaction data and the accessed personal data, wherein the modification of the current rendered state of the virtual three-dimensional environment is initiated only when at least one circumstance indicative of potential financial detriment to the user is determined according to the first algorithm, the at least one circumstance including one or more of: the price of the prospective purchase being comparatively high relative to a monetary balance of the existing account or the price of the prospective purchase violating the predefined budget constraint of the user, and wherein initiation of the modification of the current rendered state further causes generation of environment-control data defining parameters for altering the current rendered state of the virtual three-dimensional environment;

automatically cause, in response to determining that the modification of the current rendered state of the virtual three-dimensional environment is to be initiated, the first application to transmit an environment-modification instruction to the second application executed by the virtual reality computing device, wherein the environment-modification instruction includes the environment-control data and is transmitted from the first application executing in a first execution context to the second application executing in a separate execution context, the environment-modification instruction corresponding to generation and spatial insertion of a three-dimensional object or avatar within the virtual three-dimensional environment based on the received interaction data and the accessed personal data, wherein, in reaction to receiving the environment-modification instruction, the second application modifies rendering data used to render the virtual three-dimensional environment, updates data representing objects within a three-dimensional coordinate space of the virtual three-dimensional environment to incorporate the three-dimensional object or avatar, and positions the three-dimensional object or avatar within the three-dimensional coordinate space relative to a current viewing perspective of the user as defined by headset movement data to visually display the three-dimensional object or avatar as a new virtual object within the three-dimensional environment that is viewable via the viewing perspective of the user provided by the headset;

automatically generate the three-dimensional object or avatar within the virtual three-dimensional environment generated by the second application in real time and in reaction to the modification of the rendering data, wherein the three-dimensional object or avatar is initially viewable within the viewing perspective of the user provided by the headset during the navigation of the three-dimensional environment at an instance prior to completion of the prospective purchase of the product and/or service by the user to allow for intervention prior to the user completing a transaction deemed indicative of potential financial detriment to the user as determined according to the first algorithm, wherein the three-dimensional object or avatar is configured to receive and respond to user input events generated via operation of one or more of the headset and/or the one or more controllers during navigation of the virtual three-dimensional environment and via use of the second application.

2 . The system of claim 1 , wherein the virtual three-dimensional environment is a three-dimensional marketplace.

3 . The system of claim 2 , wherein the three-dimensional marketplace mimics an appearance of an actual real-world marketplace.

4 . The system of claim 1 , wherein the interactive element is a three-dimensional representation of the product and/or service or a packaging of the product and/or service.

5 . The system of claim 1 , wherein the first algorithm includes a determination made by a comparison of the monetary account balance of the existing account to the price to purchase the product and/or service.

6 . The system of claim 1 , wherein the accessed personal data of the user includes an account setting or a selection of the user regarding conditions under which to initiate the modification of the current rendered state of the virtual three-dimensional environment regarding the prospective purchase of the product and/or service.

7 . The system of claim 1 , wherein the generated three-dimensional object or avatar is configured to provide financial advice to the user regarding the prospective purchase of the product and/or service in reaction to receiving a user input event, wherein the financial advice provided to the user regarding the prospective purchase of the product and/or service includes a recommendation regarding one or more of: whether the prospective purchase is within the predetermined budget constraint of the user, whether the prospective purchase can be afforded according to a balance of the monetary account balance of the existing account of the user with the financial institution, which form of payment available to the user should be utilized for maximizing rewards or points associated with completing the prospective purchase, whether an offer of a loan or line of credit should be accepted by the user to complete the transaction, or budgeting tips for covering the expense associated with the prospective purchase.

8 . The system of claim 7 , wherein the loan or the line of credit is offered to the user by the first financial institution.

9 . The system of claim 7 , wherein the financial advice to the user regarding the prospective purchase of the product and/or service associated with the interactive element is provided by the first financial institution.

10 . A method for monitoring and intervening with respect to prospective transactions occurring during navigation by a user of a virtual three-dimensional environment using a virtual reality computing device, the method comprising:

monitoring data transferred to or from the virtual reality computing device regarding activities of the user during navigation of the virtual three-dimensional environment, wherein the monitoring of data is performed by a first application executed by the virtual reality computing device and managed by a first financial institution, wherein the virtual three-dimensional environment is generated by a second application executed by the virtual reality computing device and managed by an independent entity different from the first financial institution, wherein the data transferred to or from the virtual reality computing device includes data exchanged between the virtual reality computing device and an external system associated with the independent entity, and wherein the first application is configured to monitor the data exchanged between the virtual reality computing device and the external system so as to identify the data relating to the activities of the user during navigation of the virtual three-dimensional environment, wherein the monitoring of the data includes monitoring data relating to one or more of a viewing perspective provided to the user by the second application via a headset of the virtual reality computing device, inputs initiated by the user with respect to the second application and via use of the headset or a controller of the virtual reality computing device, or a position of an avatar of the user within the virtual three-dimensional environment generated by the second application;

receiving interaction data by a computing system of the first financial institution when the monitoring of the data regarding the activities of the user during navigation of the virtual three-dimensional environment indicates that the user is interacting with an interactive element associated with a product and/or service in a manner indicative of the user prospectively purchasing the product and/or service during the navigation of the virtual three-dimensional environment, wherein the interaction data includes data regarding a price to purchase the product and/or service, wherein the interaction data is sent as a function of the first application, and wherein the user interacting with the interactive element includes one or more of the avatar of the user having a position within the virtual three-dimensional environment that is within a predetermined distance of a position of the interactive element within the virtual three-dimensional environment, the interactive element being placed within the viewing perspective of the user via user-initiated movement of the headset, the avatar of the user manipulating the interactive element within the virtual three-dimensional environment, or the user providing an input via one or both of the headset or the controller indicating selection of the interactive element within the virtual three-dimensional environment;

accessing personal data of the user by the computing system of the first financial institution, wherein the user has an existing financial account with the first financial institution, and wherein the personal data of the user includes data associated with the existing financial account including one or more of a monetary account balance of the existing account, a credit rating of the user, or a predefined budget constraint of the user; and

automatically determining in real-time by the computing system of the first financial institution, via use of a first algorithm, whether to initiate a modification of a current rendered state of the virtual three-dimensional environment, wherein the first algorithm includes the use of first inputs derived from each of the received interaction data and the accessed personal data, wherein the modification of the current rendered state of the virtual three-dimensional environment is initiated only when at least one circumstance indicative of potential financial detriment to the user is determined according to the first algorithm, the at least one circumstance including one or more of: the price of the prospective purchase being comparatively high relative to a monetary balance of the existing account or the price of the prospective purchase violating the predefined budget constraint of the user, and wherein initiation of the modification of the current rendered state further causes generation of environment-control data defining parameters for altering the current rendered state of the virtual three-dimensional environment;

automatically causing, in response to determining that the modification of the current rendered state of the virtual three-dimensional environment is to be initiated, the first application to transmit an environment-modification instruction to the second application executed by the virtual reality computing device, wherein the environment-modification instruction includes the environment-control data and is transmitted from the first application executing in a first execution context to the second application executing in a separate execution context, the environment-modification instruction corresponding to generation and spatial insertion of a three-dimensional object or avatar within the virtual three-dimensional environment based on the received interaction data and the accessed personal data, wherein, in reaction to receiving the environment-modification instruction, the second application modifies rendering data used to render the virtual three-dimensional environment, updates data representing objects within a three-dimensional coordinate space of the virtual three-dimensional environment to incorporate the three-dimensional object or avatar, and positions the three-dimensional object or avatar within the three-dimensional coordinate space relative to a current viewing perspective of the user as defined by headset movement data to visually display the three-dimensional object or avatar as a new virtual object within the three-dimensional environment that is viewable via the viewing perspective of the user provided by the headset;

automatically generating the three-dimensional object or avatar within the virtual three-dimensional environment generated by the second application in real time and in reaction to the modification of the rendering data, wherein the three-dimensional object or avatar is initially viewable within the viewing perspective of the user provided by the headset during the navigation of the three-dimensional environment at an instance prior to completion of the prospective purchase of the product and/or service by the user to allow for intervention prior to the user completing a transaction deemed indicative of potential financial detriment to the user as determined according to the first algorithm, wherein the three-dimensional object or avatar is configured to receive and respond to user input events generated via operation of one or more of the headset and/or the one or more controllers during navigation of the virtual three-dimensional environment and via use of the second application.