Granted Patent B2

US 12,430,674 · App. 18/171,623 · Granted Sep 30, 2025

Inventors: Ankit Chandra Agarwal (Gurugram, IN); Srilaxmi Sreepalli (Hyderabad, IN); Sujatha Balaji (Chennai, IN)

Assignee: Bank of America Corporation

G06Q30/0611

Abstract

Claims (107)

1. One or more non-transitory computer readable mediums storing one or more sets of instructions that, when executed, perform operations comprising:

storing in a memory of a metaverse server a first asset associated with a first user, the first asset comprising a first asset value with a first asset type;

generating, by a virtual interaction engine of the metaverse server, a first user avatar in a virtual environment;

associating, by the virtual interaction engine of the metaverse server, the first user avatar with a first user device of the first user;

receiving, by a processor of the metaverse server, an interaction request for an interaction session from the first user avatar to obtain a digital item associated with an item provider in the virtual environment, wherein the digital item comprises an item value with the first asset type;

determining, by the processor of the metaverse server, whether the item value is greater than the first asset value;

in response to determining that the item value is greater than the first asset value, determining, by the processor of the metaverse server, a supplement asset required for the first user to obtain the digital item, wherein the supplement asset represents a difference between the item value and the first asset value with the first asset type;

sending, by the processor of the metaverse server, an asset request initiated by the first user avatar to a first entity avatar, wherein the first entity avatar is associated with a first entity server of a first entity, wherein the asset request includes data of the supplement asset comprising a supplement value with the first asset type;

receiving, by the processor of the metaverse server, the supplement asset from the entity avatar associated with the first entity server;

communicating, by the processor of the metaverse server, the supplement asset from the entity avatar to the first user avatar;

completing, by the processor of the metaverse server, the interaction session with a combination of the first asset and the supplement asset for the first user avatar to obtain the digital item;

querying by a processor of a first entity server, based on the asset request, a database to determine whether the supplement asset matches a second asset associated with a second user in a first asset pool, wherein the database stores the first asset pool with one or more assets registered with the entity;

in response to determining that the supplement asset matches the second asset:

generating, by the processor of the first entity server, a first digital contract between the entity and the second user for receiving the second asset corresponding to the supplement asset from the second user;

generating, by the processor of the first entity server, a second digital contract between the entity and the first user for communicating the supplement asset to the first user;

receiving, by the processor of the metaverse server, based on the first digital contract from the second user, the second asset corresponding to the supplement asset; and

sending, by the processor of the metaverse server, based on the second digital contract, the supplement asset to metaverse server.

2. The one or more non-transitory computer readable mediums of claim 1 , wherein the second asset has a second asset value with a second asset type, and further comprising determining, by the processor of the first entity server, whether the second asset type associated with the second asset is the same as the first asset type associated with the supplement value.

3. The one or more non-transitory computer readable mediums of claim 2 , further comprising:

in response to determining that the second asset type associated with the second asset is not the same as the first asset type associated with the supplement value,

converting, by the processor of the first entity server, the second asset value with the second asset type to a converted asset value with the first asset type; and

determining, by the processor of the first entity server, whether the supplement value with the first asset type matches the converted asset value with the first asset type.

4. The one or more non-transitory computer readable mediums of claim 3 , further comprising:

in response to determining that the supplement value with the first asset type matches the converted asset value with the first asset type,

generating, by the processor of the first entity server, a first digital contract between the entity and the second user for receiving the second asset corresponding to the supplement asset from the second user; and

generating, by the processor of the first entity server, a second digital contract between the entity and the first user for communicating the supplement asset to the first user.

5. The one or more non-transitory computer readable mediums of claim 1 , further comprising receiving, by the processor of the first entity server, an enrollment request to interact with the entity avatar from a second user avatar associated with the second user to enroll in the first asset pool, wherein the enrollment request comprises the second asset with a second asset value and a second asset type.

6. The one or more non-transitory computer readable mediums of claim 5 , further comprising

determining, by the processor of the first entity server, whether the second asset type satisfies one of asset types required by the entity;

in response to determining that the second asset type satisfies one of the asset types required by the entity, sending, by the processor of the first entity server, an approval via the entity avatar to the second user avatar to enroll the second user with the second asset into the first asset pool; and

storing, by the processor of the first entity server, the second asset in the first asset pool stored in a database.

7. The one or more non-transitory computer readable mediums system of claim 1 , further comprising:

generating, by the processor of the first entity server, blockchain data associated with the second asset based on the first digital contract and the second digital contract; and

updating, by the processor of the first entity server, the blockchain data based on one or more executions of the first digital contract and the second digital contract.

8. A method comprising:

generating, by a virtual interaction engine implemented by a processor of a metaverse server, a first user avatar in a virtual environment;

associating, by the virtual interaction engine of the metaverse server, the first user avatar with a first user device of a first user;

receiving, by the metaverse server, an interaction request for an interaction session from the first user avatar to obtain a digital item associated with an item provider in the virtual environment, wherein:

the metaverse server stores in a memory a first asset associated with a first user, the first asset comprising a first asset value with a first asset type;

the digital item comprises an item value with the first asset type; and

the first user avatar is associated with a first user device associated with the first user;

determining, by the metaverse server, whether the item value is greater than the first asset value;

in response to determining that the item value is greater than the first asset value, determining, by the metaverse server, a supplement asset required for the first user to obtain the digital item, wherein the supplement asset represents a difference between the item value and the first asset value with the first asset type;

sending, by the metaverse server, an asset request initiated by the first user avatar to an entity avatar, wherein the entity avatar is associated with a first entity server associated with a first entity, wherein the asset request includes data of the supplement asset comprising a supplement value with the first asset type;

querying, by the first entity server based on the asset request, a database to determine whether the supplement asset matches a second asset associated with a second user in a first asset pool, wherein the database stores the first asset pool with one or more assets registered with the entity;

in response to determining that the supplement asset matches the second asset:

generating by the first entity server, a first digital contract between the entity and the second user for receiving the second asset corresponding to the supplement asset from the second user; and

generating, by the first entity server, a second digital contract between the entity and the first user for communicating the supplement asset to the first user;

receiving, by the first entity server based on the first digital contract from the second user, the second asset corresponding to the supplement asset; and

sending, by the first entity server based on the second digital contract, the supplement asset to the metaverse server;

receiving, by the metaverse server, the supplement asset from the first entity avatar associated with the first entity server;

communicating, by the metaverse server, the supplement asset received from the entity avatar to the first user avatar; and

completing, by the metaverse server, the interaction session with a combination of the first asset and the supplement asset to obtain the digital item for the user avatar.

9. The method of claim 8 , wherein the second asset has a second asset value with a second asset type, and wherein the processor of the first entity server is further configured to determine whether the second asset type associated with the second asset is the same as the first asset type associated with the supplement value.

10. The method of claim 9 , further comprising:

by the first entity server,

in response to determining that the second asset type associated with the second asset is not the same as the first asset type associated with the supplement value, converting the second asset value with the second asset type to a converted asset value with the first asset type; and

determining whether the supplement value with the first asset type matches the converted asset value with the first asset type.

11. The method of claim 9 , further comprising:

by the first entity server,

in response to determining that the supplement value with the first asset type matches the converted asset value with the first asset type,

generating a first digital contract between the entity and the second user for receiving the second asset corresponding to the supplement asset from the second user; and

generating a second digital contract between the entity and the first user for communicating the supplement asset to the first user.

12. The method of claim 8 , further comprising, by the metaverse server, receiving an enrollment request to interact with the entity avatar from a second user avatar associated with the second user to enroll in the first asset pool, wherein the enrollment request comprises the second asset with a second asset value and a second asset type.

13. The method of claim 12 , further comprising:

by the first entity server,

determining whether the second asset type satisfies one of asset types required by the entity;

in response to determining that the second asset type satisfies one of the asset types required by the entity, sending an approval via the entity avatar to the second user avatar to enroll the second user with the second asset into the first asset pool; and

storing the second asset in the first asset pool stored in a database.

14. The method of claim 8 , further comprising:

by the first entity server,

generating blockchain data associated with the second asset based on the first digital contract and the second digital contract; and

updating the blockchain data based on one or more executions of the first digital contract and the second digital contract.

15. A method comprising:

generating, by a virtual interaction engine implemented by a processor of a metaverse server, a first user avatar in a virtual environment;

associating, by the virtual interaction engine of the metaverse server, the first user avatar with a first user device of a first user;

receiving, by the metaverse server, an interaction request for an interaction session from the first user avatar to obtain a digital item associated with an item provider in the virtual environment, wherein:

the metaverse server stores in a memory a first asset associated with a first user, the first asset comprising a first asset value with a first asset type;

the digital item comprises an item value with the first asset type; and

the first user avatar is associated with a first user device associated with the first user;

determining, by the metaverse server, that the item value is greater than the first asset value;

determining, by the metaverse server, a supplement asset required for the first user to obtain the digital item, wherein the supplement asset represents a difference between the item value and the first asset value with the first asset type;

sending, by the metaverse server, an asset request initiated by the first user avatar to a first entity avatar, wherein the first entity avatar is associated with a first entity server associated with an entity, wherein the asset request includes data of the supplement asset comprising a supplement value with the first asset type;

querying, by the first entity server based on the asset request, a database to determine that the supplement asset matches a second asset associated with a second user in a first asset pool, wherein the database stores the first asset pool with one or more assets registered with the entity;

generating by the first entity server, a first digital contract between the entity and the second user for receiving the second asset corresponding to the supplement asset from the second user; and

generating, by the first entity server, a second digital contract between the entity and the first user for communicating the supplement asset to the first user;

receiving, by the first entity server based on the first digital contract from the second user, the second asset corresponding to the supplement asset;

sending, by the first entity server based on the second digital contract, the supplement asset to the metaverse server; and

completing, by the metaverse server, the interaction session with a combination of the first asset and the supplement asset to obtain the digital item for the user avatar.

16. The method of claim 15 , wherein the second asset has a second asset value with a second asset type, and wherein the processor of the first entity server is further configured to determine whether the second asset type associated with the second asset is the same as the first asset type associated with the supplement value.

17. The method of claim 15 , further comprising:

by the first entity server,

in response to determining that the second asset type associated with the second asset is not the same as the first asset type associated with the supplement value, converting the second asset value with the second asset type to a converted asset value with the first asset type; and

determining whether the supplement value with the first asset type matches the converted asset value with the first asset type.

18. The method of claim 15 , further comprising:

by the first entity server,

in response to determining that the supplement value with the first asset type matches the converted asset value with the first asset type;

generating a first digital contract between the entity and the second user for receiving the second asset corresponding to the supplement asset from the second user; and

generating a second digital contract between the entity and the first user for communicating the supplement asset to the first user.

19. The method of claim 15 , further comprising, by the metaverse server, receiving an enrollment request to interact with the entity avatar from a second user avatar associated with the second user to enroll in the first asset pool, wherein the enrollment request comprises the second asset with a second asset value and a second asset type.

20. The method of claim 19 , further comprising:

by the first entity server,

determining whether the second asset type satisfies one of the asset types required by the entity;

in response to determining that the second asset type satisfies one of the asset types required by the entity, sending an approval via the entity avatar to the second user avatar to enroll the second user with the second asset into the first asset pool;

storing the second asset in the first asset pool stored in a database;

generating blockchain data associated with the second asset based on the first digital contract and the second digital contract; and

updating the blockchain data based on one or more executions of the first digital contract and the second digital contract.

Assignments (1)

Continuity (1)

References Cited (21)