20240013166. CHECK EXCEPTION PROCESSING IN THE METAVERSE simplified abstract (Bank of America Corporation)

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CHECK EXCEPTION PROCESSING IN THE METAVERSE

Organization Name

Bank of America Corporation

Inventor(s)

Sneha Padiyar of Mumbai (IN)

Sandeep Kumar Chauhan of Hyderabad (IN)

Nandini Rathaur of Mumbai (IN)

Aditya Sharma of New Delhi (IN)

CHECK EXCEPTION PROCESSING IN THE METAVERSE - A simplified explanation of the abstract

This abstract first appeared for US patent application 20240013166 titled 'CHECK EXCEPTION PROCESSING IN THE METAVERSE

Simplified Explanation

The patent application describes a system and method for secure check exception remediation in a metaverse environment. Here is a simplified explanation of the abstract:

  • The invention provides a way to securely resolve issues with checks in a virtual reality environment called a metaverse.
  • The metaverse application allows for secure interactions between an agent avatar and a customer avatar.
  • The customer's identity can be verified using various methods, such as avatar appearance, behavior, device data, or avatar control.
  • In the metaverse environment, both the agent and customer avatars can view a virtual representation of a defective check.
  • The customer avatar can sign the virtual check within the metaverse environment.
  • The signature can be captured and reproduced on a paper check using a device connected to the metaverse application.
  • The metaverse application can also store technical logs of the metaverse session for future reference.

Potential applications of this technology:

  • Secure resolution of check issues in a virtual reality environment.
  • Enhancing customer experience by providing a unique and interactive way to handle check exceptions.
  • Streamlining check remediation processes by digitizing and automating certain steps.

Problems solved by this technology:

  • Ensuring secure and authenticated interactions between avatars in a metaverse environment.
  • Simplifying the process of resolving check exceptions by providing a virtual representation and allowing for virtual signatures.
  • Reducing the need for physical paperwork and manual handling of checks.

Benefits of this technology:

  • Improved security and verification of customer identity in a virtual environment.
  • Enhanced user experience through interactive and immersive check remediation processes.
  • Increased efficiency and cost savings by digitizing and automating certain steps in the check exception resolution process.


Original Abstract Submitted

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.

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