公开(公告)号：US20240386399A1

公开(公告)日：2024-11-21

申请号：US18783496

申请日：2024-07-25

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Aditya Sharma

IPC: G06Q20/04 ,  G06Q20/38

Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

公开(公告)号：US11892989B2

公开(公告)日：2024-02-06

申请号：US17705448

申请日：2022-03-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Deepak Jain ,  Bhakti Sanjay Gavhane ,  Simranjeet Singh Sandhu ,  Aditya Sharma

IPC: G06F16/00 ,  G06F16/21 ,  G06F16/2458 ,  G06F16/25 ,  G06F16/28

CPC classification number: G06F16/213 ,  G06F16/2465 ,  G06F16/258 ,  G06F16/285

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an approach to predictive structuring of electronic data. The system uses data mining and data clustering techniques using classification models to organize feature column groups comprising feature columns. The system identifies and flags feature column groups and/or feature columns based on regulatory data standards provided by regulatory bodies. Thereafter, data objects are imported into the system and prediction algorithms are implemented to characterize the feature columns containing the data objects.

公开(公告)号：US20240013166A1

公开(公告)日：2024-01-11

申请号：US17860221

申请日：2022-07-08

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Aditya Sharma

IPC: G06Q20/04 ,  G06Q20/38

CPC classification number: G06Q20/042 ,  G06Q20/3821

Abstract: Systems, methods, and apparatus are provided for secure check exception remediation in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

公开(公告)号：US12112301B2

公开(公告)日：2024-10-08

申请号：US17878183

申请日：2022-08-01

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Aditya Sharma

IPC: G06Q20/04 ,  G06Q20/38

CPC classification number: G06Q20/042 ,  G06Q20/3825 ,  G06Q20/384

Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

公开(公告)号：US12106431B2

公开(公告)日：2024-10-01

申请号：US18070797

申请日：2022-11-29

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Nandini Rathaur ,  Sandeep Kumar Chauhan ,  Aditya Sharma

IPC: G06T17/00 ,  G06F21/31 ,  G06F21/62 ,  G06T13/40 ,  G06V10/141

CPC classification number: G06T17/00 ,  G06F21/31 ,  G06F21/6245 ,  G06T13/40 ,  G06V10/141

Abstract: Systems, methods, and apparatus are provided for safe deposit box protocols in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

公开(公告)号：US20240177413A1

公开(公告)日：2024-05-30

申请号：US18070797

申请日：2022-11-29

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Nandini Rathaur ,  Sandeep Kumar Chauhan ,  Aditya Sharma

IPC: G06T17/00 ,  G06F21/31 ,  G06F21/62 ,  G06T13/40 ,  G06V10/141

CPC classification number: G06T17/00 ,  G06F21/31 ,  G06F21/6245 ,  G06T13/40 ,  G06V10/141

Abstract: Systems, methods, and apparatus are provided for safe deposit box protocols in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

公开(公告)号：US20230306003A1

公开(公告)日：2023-09-28

申请号：US17705448

申请日：2022-03-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Deepak Jain ,  Bhakti Sanjay Gavhane ,  Simranjeet Singh Sandhu ,  Aditya Sharma

IPC: G06F16/21 ,  G06F16/28 ,  G06F16/25 ,  G06F16/2458

CPC classification number: G06F16/213 ,  G06F16/285 ,  G06F16/258 ,  G06F16/2465

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an approach to predictive structuring of electronic data. The system uses data mining and data clustering techniques using classification models to organize feature column groups comprising feature columns. The system identifies and flags feature column groups and/or feature columns based on regulatory data standards provided by regulatory bodies. Thereafter, data objects are imported into the system and prediction algorithms are implemented to characterize the feature columns containing the data objects.

公开(公告)号：US20240037514A1

公开(公告)日：2024-02-01

申请号：US17878183

申请日：2022-08-01

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Aditya Sharma

IPC: G06Q20/04 ,  G06Q20/38

CPC classification number: G06Q20/042 ,  G06Q20/384 ,  G06Q20/3825

Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.