Granted Patent B1

US 12,278,902 · App. 18/149,900 · Granted Apr 15, 2025

Inventors: Aparna M. Dave (Houston, TX); Tammy Renee Kiser (Cornelius, NC); Craig Moore (St. Louis, MO); Paul W. Mussell (Minneapolis, MN)

Assignee: Wells Fargo Bank,N.A.

H04L9/321G06T17/00G06V40/20

Abstract

Claims (62)

1. A computer system for authenticating a user in a metaverse, the computer system comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, cause the computer system to:

receive an authentication credential from the user;

determine whether the authentication credential is valid;

upon determining that the authentication credential is valid, update authentication status of the user;

upon determining that the user has enabled an option to visually display the authentication status, display a visual indicator adjacent to an avatar associated with a user profile within the metaverse, wherein the visual indicator represents the authentication status;

maintain the authentication status of the user across multiple login attempts by the user;

monitor for outlier behavior associated with the user profile of the user across multiple metaverses;

detect, as the outlier behavior, whether multiple avatars associated with the user profile are participating in interactions within the metaverse or different metaverses within a predetermined time interval, wherein the interactions include financial transactions associated with the user profile;

upon identifying the outlier behavior:

automatically log out the user profile from the metaverse;

update the visual indicator associated with the avatar indicating the authentication status of the user profile; and

trigger a heightened authentication process requiring more authentication factors than were initially required;

require re-authentication of the user profile in the metaverse using the heightened authentication process; and

send an alert to a client device associated with the user to notify of potential impersonation.

2. The computer system of claim 1 , wherein the authentication status is maintained by a third party.

3. The computer system of claim 2 , wherein the third party is a trusted entity in the metaverse.

4. The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to provide additional authentication to mitigate against impersonation of the user.

5. The computer system of claim 4 , comprising further instructions which, when executed by the one or more processors, causes the computer system to:

trigger a trusted entity to perform the heightened authentication process.

6. The computer system of claim 1 , wherein the visual indicator is a halo that is displayed around a head of the avatar.

7. The computer system of claim 1 , wherein updating the authentication credential of the user includes:

determining whether the user has disabled the option to visually display the authentication status; and

upon determining that the user has disabled the option to visually display the authentication status, removing display of the visual indicator adjacent to the avatar associated with the user within the metaverse.

8. A method for authenticating a user in a metaverse, the method comprising:

receiving an authentication credential from the user;

determining whether the authentication credential is valid;

upon determining that the authentication credential is valid, updating authentication status of the user;

upon determining that the user has enabled an option to visually display the authentication status, displaying a visual indicator adjacent to an avatar associated with a user profile within the metaverse, wherein the visual indicator represents the authentication status;

maintaining the authentication status of the user across multiple login attempts by the user;

monitoring for outlier behavior associated with the user profile of the user across multiple metaverses;

detecting, as the outlier behavior, whether multiple avatars associated with the user profile are participating in interactions within the metaverse or different metaverses within a predetermined time interval, wherein the interactions include financial transactions associated with the user profile;

upon identifying the outlier behavior:

automatically logging out the user profile from the metaverse;

updating the visual indicator associated with the avatar indicating the authentication status of the user profile; and

triggering a heightened authentication process requiring more authentication factors than were initially required;

requiring re-authentication of the user profile in the metaverse using the heightened authentication process; and

sending an alert to a client device associated with the user to notify of potential impersonation.

9. The method of claim 8 , wherein the authentication status is maintained by a third party.

10. The method of claim 9 , wherein the third party is a trusted entity in the metaverse.

11. The method of claim 8 , further comprising providing additional authentication to mitigate against impersonation of the user.

12. The method of claim 11 , further comprising:

triggering a trusted entity to perform a heightened authentication process.

13. The method of claim 8 , wherein updating the authentication credential of the user includes:

determining whether the user has disabled the option to visually display the authentication status; and

upon determining that the user has disabled the option to visually display the authentication status, removing display of the visual indicator adjacent to the avatar associated with the user within the metaverse.

14. A computer system for authenticating a user in a metaverse, the computer system comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, cause the computer system to:

receive an authentication credential from the user;

determine whether the authentication credential is valid;

upon determining that the authentication credential is valid, update authentication status of the user;

upon determining that the user has enabled an option to visually display the authentication status, display a visual indicator adjacent to an avatar associated with a user profile within the metaverse, wherein the visual indicator represents the authentication status;

maintain, using a trusted entity within the metaverse, the authentication status of the user across multiple login attempts by the user, wherein maintaining the authentication status includes continuously monitoring for outlier behavior associated with the user profile of the user across the metaverse;

detect, as the outlier behavior, whether multiple avatars associated with the user profile are participating in interactions within the metaverse or different metaverses within a predetermined time interval, wherein the interactions include financial transactions associated with the user profile;

upon identifying the outlier behavior associated with the user within the metaverse;

automatically log out the user profile from the metaverse;

update the visual indicator associated with the avatar indicating the authentication status of the user profile; and

trigger the trusted entity to perform a heightened authentication process requiring more authentication factors than were initially required;

require re-authentication of the user profile in the metaverse using the heightened authentication process; and

send an alert to a client device associated with the user to notify of potential impersonation.

Assignments (2)

References Cited (10)

Cited By (1)

US 12,547,684