Granted Patent B2

US 12,251,638 · App. 17/811,171 · Granted Mar 18, 2025

Inventors: Michael George Horstman (Chicago, IL); Manu J. Kurian (Dallas, TX)

Assignee: Bank of America Corporation

A63F13/79A63F13/56A63F13/71

Abstract

Claims (91)

1. A system comprising:

a memory operable to store:

a user profile comprising a set of user login credentials associated with a user account for a user device to access one or more locations in a virtual environment; and

a processor operably coupled to the memory, the processor configured to:

access a virtual environment comprising a virtual lounge and a plurality of associated virtual sub-lounges, wherein the virtual lounge is associated with at least one entity in a real-world environment, and the plurality of associated virtual sub-lounges are associated with corresponding entities in the real-world environment;

receive an interaction request from the user device for an interaction session in the virtual environment between an avatar associated with the user device and the virtual lounge, wherein the interaction request includes a request to transfer real-world resources between the user account and the at least one entity in the real-world environment;

authorize, based on the user profile, the interaction session in the virtual environment between the avatar and the virtual lounge;

detect the avatar entering a first virtual sub-lounge of the virtual lounge;

authorize the avatar to enter and interact with the first virtual sub-lounge of the virtual lounge based at least in part upon the user login credentials associated with the virtual lounge;

conduct a first interaction between the avatar and the first virtual sub-lounge and generate a first interaction dataset and a first interaction token for the avatar, wherein the first interaction dataset comprises data representing the first interaction between the avatar and a first entity, and the first interaction token indicates that the first interaction is complete;

in response to conducting the first interaction between the avatar and the first virtual sub-lounge, update the user profile with the first interaction dataset, wherein updating the user profile includes transferring the real-world resources from the user account to the first entity;

detect the avatar entering a second virtual sub-lounge of the virtual lounge;

authorize the avatar to enter and interact with the second virtual sub-lounge of the virtual lounge based at least in part upon the user login credentials associated with the virtual lounge;

conduct a second interaction between the avatar and the second virtual sub-lounge and generate a second interaction dataset and a second interaction token for the avatar, wherein the second interaction dataset comprises data representing the second interaction between the avatar and a second entity, and the second interaction token indicates that the second interaction is complete;

in response to conducting the second interaction between the avatar and the second virtual sub-lounge, update the user profile with the second interaction dataset, wherein:

updating the user profile comprises transferring the real-world resources from the user account to the second entity;

the first entity provides a different service relative to a service provided by the second entity in the real-world environment; and

the first entity is at a different physical location in the real-world environment relative to a physical location of the second entity in the real-world environment; and

generate a user interaction session dataset for the avatar based on the first interaction dataset, the first interaction token, the second interaction dataset and the second interaction token.

2. The system of claim 1 , wherein the processor is further configured to, in response to receiving the interaction request:

identify a set of virtual sub-lounges in a particular order based on communication data received from the user device, each virtual sub-lounge being configured to provide respective interactions in the interaction session between the avatar and the virtual lounge; and

determine the first virtual sub-lounge of the virtual lounge for the avatar to enter.

3. The system of claim 1 , wherein the processor is further configured to:

send the first interaction token to the user device to indicate that the first interaction is complete;

update the user profile based on the first interaction dataset and the first interaction token; and

present, on a graphical user interface of the user device, the first interaction token, the updated user profile, and the first interaction dataset.

4. The system of claim 1 , wherein the processor is further configured to review the user interaction session dataset to determine whether each of the interaction sessions are complete.

5. The system of claim 4 , wherein the processor is further configured to:

in response to determining that each of the interaction sessions are complete, present the user interaction session dataset on a graphical user interface of the user device.

6. The system of claim 1 , wherein the processor is further configured to:

receive a signal indicating a physical location of the user device in the real-world environment;

store the received signal in the memory; and

determine a virtual location of the avatar associated with the user device in the virtual environment based on the physical location of the user device.

7. A method comprising:

accessing a virtual environment comprising a virtual lounge and a plurality of associated virtual sub-lounges, wherein the virtual lounge is associated with at least one entity in a real-world environment, and the plurality of associated virtual sub-lounges are associated with corresponding entities in the real-world environment;

receiving an interaction request from the user device for an interaction session in the virtual environment between an avatar associated with the user device and the virtual lounge, wherein the interaction request includes a request to transfer real-world resources between the user account and the at least one entity in the real-world environment;

authorizing, based on a user profile, the interaction session in the virtual environment between the avatar and the virtual lounge;

detecting the avatar entering a first virtual sub-lounge of the virtual lounge;

authorizing the avatar to enter and interact with the first virtual sub-lounge of the virtual lounge based at least in part upon a set of user login credentials associated with the virtual lounge and stored in a memory;

conducting a first interaction between the avatar and the first virtual sub-lounge and generating a first interaction dataset and a first interaction token for the avatar, wherein the first interaction dataset comprises data representing the first interaction between the avatar and a first entity, and the first interaction token indicates that the first interaction is complete;

in response to conducting the first interaction between the avatar and the first virtual sub-lounge, updating the user profile with the first interaction dataset, wherein updating the user profile includes transferring the real-world resources from the user account to the first entity;

detecting the avatar entering a second virtual sub-lounge of the virtual lounge;

authorizing the avatar to enter and interact with the second virtual sub-lounge of the virtual lounge based at least in part upon the user login credentials associated with the virtual lounge;

conducting a second interaction between the avatar and the second virtual sub-lounge and generating a second interaction dataset and a second interaction token for the avatar, wherein the second interaction dataset comprises data representing the second interaction between the avatar and a second entity, and the second interaction token indicates that the second interaction is complete;

in response to conducting the second interaction between the avatar and the second virtual sub-lounge, updating the user profile with the second interaction dataset, wherein:

updating the user profile includes transferring the real-world resources from the user account to the second entity;

the first entity provides a different service relative to a service provided by the second entity in the real-world environment; and

the first entity is at a different physical location in the real-world environment relative to a physical location of the second entity in the real-world environment; and

generating a user interaction session dataset for the avatar based on the first interaction dataset, the first interaction token, the second interaction dataset and the second interaction token.

8. The method of claim 7 , further comprising, in response to receiving the interaction request,

identifying a set of virtual sub-lounges in a particular order based on communication data received from the user device, each virtual sub-lounge being configured to provide respective interactions in the interaction session between the avatar and the virtual lounge; and

determining the first virtual sub-lounge of the virtual lounge for the avatar to enter.

9. The method of claim 7 , further comprising:

sending the first interaction token to the user device to indicate that the first interaction is complete;

updating the user profile based on the first interaction dataset; and

presenting, on a graphical user interface of the user device, the first interaction token, the updated user profile, and the first interaction dataset.

10. The method of claim 7 , further comprising reviewing the user interaction session dataset to determine whether each of the interaction sessions are complete.

11. The method of claim 10 , further comprising, in response to determining that each of the interaction sessions are complete, presenting the user interaction session dataset on a graphical user interface of the user device.

12. The method of claim 7 , further comprising:

receiving a signal indicating a physical location of the user device in the real-world environment;

storing the received signal in the memory; and

determining a virtual location of the avatar associated with the user device in the virtual environment based on the physical location of the user device.

13. A non-transitory computer-readable medium storing instructions that, when executed by a processor, causes the processor to:

access a virtual environment comprising a virtual lounge and a plurality of associated virtual sub-lounges, wherein the virtual lounge is associated with at least one entity in a real-world environment, and the plurality of associated virtual sub-lounges are associated with corresponding entities in the real-world environment;

receive an interaction request from the user device for an interaction session in the virtual environment between an avatar associated with the user device and the virtual lounge, wherein the interaction request includes a request to transfer real-world resources between the user account and the at least one entity in the real-world environment;

authorize, based on a user profile, the interaction session in the virtual environment between the avatar and the virtual lounge;

identify a set of virtual sub-lounges in a particular order based on communication data received from the user device, each virtual sub-lounge being configured to provide respective interactions in the interaction session between the avatar and the virtual lounge;

determine the first virtual sub-lounge of the virtual lounge for the avatar to enter;

detect the avatar entering the first virtual sub-lounge of the virtual lounge;

authorize the avatar to enter and interact with the first virtual sub-lounge of the virtual lounge based at least in part upon a set of user login credentials associated with the virtual lounge and stored in the memory;

conduct a first interaction between the avatar and the first virtual sub-lounge and generate a first interaction dataset and a first interaction token for the avatar, wherein the first interaction dataset comprises data representing the first interaction between the avatar and a first entity, and the first interaction token indicates that the first interaction is complete;

in response to conducting the first interaction between the avatar and the first virtual sub-lounge, update the user profile with the first interaction dataset, wherein updating the user profile includes transferring the real-world resources from the user account to the first entity;

detect the avatar entering a second virtual sub-lounge of the virtual lounge;

authorize the avatar to enter and interact with the second virtual sub-lounge of the virtual lounge based at least in part upon the user login credentials associated with the virtual lounge;

conduct a second interaction between the avatar and the second virtual sub-lounge and generate a second interaction dataset and a second interaction token for the avatar, wherein the second interaction dataset comprises data representing the second interaction between the avatar and a second entity, and the second interaction token indicates that the second interaction is complete;

in response to conducting the second interaction between the avatar and the second virtual sub-lounge, update the user profile with the second interaction dataset, wherein:

updating the user profile includes transferring the real-world resources from the user account to the second entity;

the first entity provides a different service relative to a service provided by the second entity in the real-world environment; and

the first entity is at a different physical location in the real-world environment relative to a physical location of the second entity in the real-world environment; and

generate a user interaction session dataset for the avatar based on the first interaction dataset, the first interaction token, the second interaction dataset and the second interaction token.

14. The non-transitory computer-readable medium of claim 13 , wherein the instructions when executed by the processor further cause the processor to:

send the first interaction token to the user device to indicate that the first interaction is complete;

update the user profile based on the first interaction dataset; and

present, on a graphical user interface of the user device, the first interaction token, the updated user profile, and the first interaction dataset.

15. The non-transitory computer-readable medium of claim 13 , wherein the instructions when executed by the processor further cause the processor to review the user interaction session dataset to determine whether each of the interaction sessions are complete.

16. The non-transitory computer-readable medium of claim 15 , wherein the instructions when executed by the processor further cause the processor to:

in response to determining that each of the interaction sessions are complete, present the user interaction session dataset on a graphical user interface of the user device.

17. The non-transitory computer-readable medium of claim 13 , wherein the instructions when executed by the processor further cause the processor to:

receive a signal indicating a physical location of the user device in the real-world environment;

store the received signal in the memory; and

determine a virtual location of the avatar associated with the user device in the virtual environment based on the physical location of the user device.

Assignments (1)

Continuity (1)

References Cited (19)

Cited By (1)

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