IP Library Granted Patent US 12,499,491
Granted Patent B2
US 12,499,491 · App. 18/058,832 · Granted Dec 16, 2025

Intelligent platform for audit response using a meta verse-driven approach for regulator reporting requirements

Inventors: Durga Prasad Kutthumolu (Hyderabad, IN); Susheel Chiluka (Hyderabad, IN); Saravana Kumar PD (Hyderabad, IN); Yegappan Alagappan (Chennai, IN); Ravikanth Tadepally (Hyderabad, IN); Navin Singh (Gurugram, IN)
Assignee: Bank of America Corporation
G06Q40/12G06T13/40
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Quick Facts
Patent No.
US 12,499,491
App. No.
18/058,832
Granted
Dec 16, 2025
Kind
B2
Abstract

Aspects of the disclosure describe methods and systems involving separate, parent (e.g., public) and child (e.g., private) metaverses with varying confidentiality and access privileges for auditor users, financial analyst users, regulatory users, and other virtual reality/metaverse users to interact in a fully immersive, real-time manner (e.g., using an immersive query modulation engine) to fulfill audit and regulatory reporting requirements, including extracting information from heterogeneous data stores, recordkeeping of audit responses for regulatory purposes, and maintaining access privileges of varying user profiles.

Claims (51)

1 . A method involving a collaborative metaverse application, the method comprising:

receiving, in a parent virtual immersive computing environment, by a computing device and from a first user represented virtually in the parent immersive computing environment by a first user avatar, an audit request for information, wherein the first user and the first user avatar have access to the parent virtual immersive computing environment;

receiving, in a child virtual immersive computing environment and by the computing device, two-dimensional messages from heterogeneous data stores;

converting, based on metadata associated with a query generated from the received two-dimensional messages, at least one of the received two-dimensional messages into three-dimensional visual content; and

causing, via a virtual reality headset of a second user represented virtually in the parent virtual immersive computing environment and the child virtual immersive computing environment by a second user avatar and within a virtual reality headset associated with the first user that provides virtual reality for the first user including displaying the first user avatar and the second user avatar and enabling interaction of the first user avatar and the second user avatar, output and display of the three-dimensional visual content in the parent virtual immersive computing environment, wherein the second user has access to the parent virtual immersive computing environment and the child virtual immersive computing environment.

2 . The method of claim 1 , wherein:

the first user avatar and the second user avatar are configured to communicate via three-dimensional messages in the parent virtual immersive computing environment.

3 . The method of claim 1 , wherein the converting comprises converting, using a contextual linguistic engine in an extended reality platform and based on a generative adversarial network (GAN) algorithm, the at least one of the received messages into the three-dimensional visual content.

4 . The method of claim 1 , wherein the first user is not allowed to access the child virtual immersive computing environment.

5 . The method of claim 1 , further comprising:

extracting keywords from the messages;

mapping the keywords to stored objects in a database;

generating, using a contextual linguistic engine, based on the mapped keywords and a query generator transformer, a plurality of database queries, wherein each of the plurality of database queries is specific to a respective one of the heterogeneous data stores; and

receiving, from each of the heterogeneous data stores, a response to a respective one of the plurality of database queries.

6 . The method of claim 1 , wherein the parent virtual immersive computing environment and the child virtual immersive computing environment are associated with the collaborative metaverse application.

7 . The method of claim 1 , further comprising:

causing output of an interactive selection option associated with the three-dimensional visual content, wherein selection of the interactive selection option causes approval of the three-dimensional visual content.

8 . An apparatus, comprising:

at least one processor;

memory storing computer-readable instructions that, when executed by the at least one processor, cause the apparatus to:

receive, in a parent virtual immersive computing environment and from a first user represented virtually in the parent virtual immersive computing environment by a first user avatar, an audit request for information, wherein the first user and the first user avatar have access to the parent virtual immersive computing environment;

receive, in a child virtual immersive computing environment, two-dimensional messages from heterogeneous data stores;

convert, based on metadata associated with a query generated from the received two-dimensional messages, at least one of the received two-dimensional messages into three-dimensional visual content; and

cause, via a virtual reality headset of a second user represented virtually in the parent virtual immersive computing environment and the child virtual immersive computing environment by a second user avatar and within a virtual reality headset associated with the first user that provides virtual reality for the first user including displaying the first user avatar and the second user avatar and enabling interaction of the first user avatar and the second user avatar, output and display of the three-dimensional visual content in the parent virtual immersive computing environment, wherein the second user has access to the parent virtual immersive computing environment and the child virtual immersive computing environment.

9 . The apparatus of claim 8 , wherein:

the first user avatar and the second user avatar are configured to communicate via three-dimensional messages in the parent virtual immersive computing environment.

10 . The apparatus of claim 8 , wherein the instructions, when executed by the at least one processor, cause the apparatus to convert by converting, by a contextual linguistic engine in an extended reality platform and based on a generative adversarial network (GAN) algorithm, the at least one of the received messages into the three-dimensional visual content.

11 . The apparatus of claim 8 , wherein the first user is not allowed to access the child virtual immersive computing environment.

12 . The apparatus of claim 8 , wherein the instructions, when executed by the at least one processor, cause the apparatus to:

extract keywords from the messages;

map the keywords to stored objects in a database;

generate, using a contextual linguistic engine, based on the mapped keywords and a query generator transformer, a plurality of database queries, wherein each of the plurality of database queries is specific to a respective one of the heterogeneous data stores; and

receive, from each of the heterogeneous data stores, a response to a respective one of the plurality of database queries.

13 . The apparatus of claim 8 , wherein the parent virtual immersive computing environment and the child virtual immersive computing environment are associated with a collaborative metaverse application.

14 . The apparatus of claim 8 , wherein the instructions, when executed by the at least one processor, cause the apparatus to:

cause output of an interactive selection option associated with the three-dimensional visual content, wherein selection of the interactive selection option causes approval of the three-dimensional visual content.

15 . One or more non-transitory computer-readable media storing instructions that, when executed, cause:

receiving, in a parent virtual immersive computing environment and from a first user represented virtually in the parent virtual immersive computing environment by a first user avatar, an audit request for information, wherein the first user and the first user avatar have access to the parent virtual immersive computing environment;

receiving, in a child virtual immersive computing environment, two-dimensional messages from heterogeneous data stores;

converting, based on metadata associated with a query generated from the received two-dimensional messages, at least one of the received two-dimensional messages into three-dimensional visual content; and

causing, via a virtual reality headset of a second user represented virtually in the parent virtual immersive computing environment and the child virtual immersive computing environment by a second user avatar and within a virtual reality headset associated with the first user that provides virtual reality for the first user including displaying the first user avatar and the second user avatar and enabling interaction of the first user avatar and the second user avatar, output and display of the three-dimensional visual content in the parent virtual immersive computing environment, wherein the second user has access to the parent virtual immersive computing environment and the child virtual immersive computing environment.

16 . The one or more non-transitory computer-readable media of claim 15 , wherein:

the first user avatar and the second user avatar are configured to communicate via three-dimensional messages in the parent virtual immersive computing environment.

17 . The one or more non-transitory computer-readable media of claim 15 , wherein the instructions, when executed, cause the converting by causing converting, by a contextual linguistic engine in an extended reality platform and based on a generative adversarial network (GAN) algorithm, the at least one of the received messages into the three-dimensional visual content.

18 . The one or more non-transitory computer-readable media of claim 15 , wherein the first user is not allowed to access the child virtual immersive computing environment.

19 . The one or more non-transitory computer-readable media of claim 15 , wherein the instructions, when executed, further cause:

extracting keywords from the messages;

mapping the keywords to stored objects in a database;

generating, using a contextual linguistic engine, based on the mapped keywords and a query generator transformer, a plurality of database queries, wherein each of the plurality of database queries is specific to a respective one of the heterogeneous data stores; and

receiving, from each of the heterogeneous data stores, a response to a respective one of the plurality of database queries.

20 . The one or more non-transitory computer-readable media of claim 15 , wherein the parent virtual immersive computing environment and the child virtual immersive computing environment are associated with a collaborative metaverse application.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 25, 2022
From: KUTTHUMOLU, DURGA PRASAD; CHILUKA, SUSHEEL; KUMAR, SARAVANA, PD; ALAGAPPAN, YEGAPPAN; TADEPALLY, RAVIKANTH; SINGH, NAVIN
To: BANK OF AMERICA CORPORATION
Reel/Frame 061879/0358 →
Continuity (1)
Related Publication 20240177243A1 · May 30, 2024
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