Granted Patent B2

US 12,488,387 · App. 18/742,802 · Granted Dec 2, 2025

Inventors: Jaison Prabhu Doss (Nagercoil, IN); Naveen Hunsur Jayaramegowda (Mysuru, IN); Sadananda Kalappanahally Nagarajappa (Bangalore, IN); Venkata Reddy Yeruva (Bangalore, IN); Gowtham Reddyvari (Bangalore, IN); Ravi Chandra Singamsetty (Bangalore, IN)

Assignee: Wells Fargo Bank, N.A.

G06Q40/02G06F16/739G06F21/32G06Q40/125

Abstract

Claims (44)

1 . A method implemented on a virtual reality device, the method comprising:

sending, to an electronic computing device, a request to create a video of a financial profile of a user;

receiving, from the electronic computing device, the video of the financial profile of the user, the video including a storyline created by the electronic computing device based on a prediction of a financial status of the user, wherein the video includes one or more placeholder video frames corresponding to gaps in the prediction;

displaying the one or more placeholder video frames on the virtual reality device;

receiving an input from the user regarding the one or more placeholder video frames;

sending the input to the electronic computing device;

receiving, from the electronic computing device, a revised video with an updated storyline with the one or more placeholder video frames replaced with completed video frames, the updated storyline being generated by the electronic computing device using an updated prediction based on the input from the user; and

playing the revised video on the virtual reality device.

2 . The method of claim 1 , wherein the video of the financial profile of the user is created based on the financial profile of the user over a time period.

3 . The method of claim 2 , further comprising:

presenting on the virtual reality device an option to select the time period over which to create the video regarding the financial profile of the user;

receiving a selection of the time period from the user on the virtual reality device; and

sending, to the electronic computing device, the time period over which the video of the financial profile of the user is to be created.

4 . The method of claim 1 , further comprising:

authenticating the user using the virtual reality device.

5 . The method of claim 4 , wherein the authenticating is performed by the virtual reality device by validating a biometric parameter of the user.

6 . The method of claim 1 , wherein the prediction of the financial status of the user is based on an analysis of historical financial data and personal data of the user.

7 . The method of claim 6 , wherein the personal data includes demographical, biometric, biological and lifestyle information.

8 . The method of claim 7 , wherein the video of the financial profile of the user includes a visual representation of the user and wherein the visual representation of the user is dynamically altered based on the storyline and the updated storyline.

9 . The method of claim 6 , wherein the video of the financial profile of the user comprises visual representations of one or more entities and one or more characters.

10 . The method of claim 9 , wherein the one or more entities are organizations that the user has had financial interactions with in the past and are identified by analyzing historical financial data associated with the user.

11 . A virtual reality device comprising:

a processing unit; and

system memory, the system memory including instruction which, when executed by the processing unit cause the virtual reality device to:

send, to an electronic computing device, a request to create a video of a financial profile of a user;

receive, from the electronic computing device, the video of the financial profile of the user, the video including a storyline created by the electronic computing device based on a prediction of a financial status of the user, wherein the video includes one or more placeholder video frames corresponding to gaps in the prediction;

display the one or more placeholder video frames on the virtual reality device;

receive input from the user regarding the one or more placeholder video frames;

send the input to the electronic computing device;

receive, from the electronic computing device, a revised video with an updated storyline with the one or more placeholder video frames replaced with completed video frames, the updated storyline being generated by the electronic computing device using an updated prediction based on the input from the user; and

play the revised video on the virtual reality device.

12 . The virtual reality device of claim 11 , wherein the video of the financial profile of the user is created based on the financial profile of the user over a time period.

13 . The virtual reality device of claim 12 , wherein the instructions, when executed by the processing unit, further causes the virtual reality device to:

present an option to select the time period over which to create the video regarding the financial profile of the user;

receive a selection of the time period from the user on the virtual reality device; and

send, to the electronic computing device, the time period over which the video of the financial profile of the user is to be created.

14 . The virtual reality device of claim 11 , wherein the instructions, when executed by the processing unit, further causes the virtual reality device to:

authenticate the user using the virtual reality device.

15 . The virtual reality device of claim 14 , wherein authenticating the user includes validating a biometric parameter of the user at the virtual reality device.

16 . The virtual reality device of claim 11 , wherein the prediction of the financial status of the user is based on an analysis of historical financial data and personal data of the user.

17 . The virtual reality device of claim 16 , wherein the personal data includes demographical, biometric, biological and lifestyle information.

18 . The virtual reality device of claim 17 , wherein the video of the financial profile of the user includes a visual representation of the user and wherein the visual representation of the user is dynamically altered based on the storyline and the updated storyline.

19 . The virtual reality device of claim 16 , wherein the video of the financial profile of the user comprises visual representations of one or more entities and one or more characters.

20 . The virtual reality device of claim 19 , wherein the one or more entities are organizations that the user has had financial interactions with in the past and are identified by analyzing historical financial data associated with the user.

Assignments (2)

Continuity (3)

References Cited (16)