# US 12,112,301 B2 · Check exception processing in the meta verse

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- Number: US 12,112,301 B2
- Document ID: US12112301B2
- Status: Granted
- Kind: B2
- Application number: 17/878,183
- Filed: 2022-08-01
- Published: 2024-02-01
- Granted: 2024-10-08
- Earliest claimed: 2022-08-01
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: Sneha Padiyar; Sandeep Kumar Chauhan; Nandini Rathaur; Aditya Sharma
- Web page: https://patentgrep.com/patent/US12112301B2

## CPC

- G06Q 20/042: {characterized in that the payment protocol involves at least one cheque}
- G06Q 20/3825: {Use of electronic signatures}
- G06Q 20/384: {using social networks}
- G06Q 20/4014: {Identity check for transactions}
- G06T 13/40: of characters, e.g. humans, animals or virtual beings
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06T: IMAGE DATA PROCESSING OR GENERATION, IN GENERAL

## 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.

## Claims

### Claim 1

A system for authenticating avatar activity wherein the activity includes a transaction associated with a paper check that is defective wherein the paper check comprises a first signature, the system comprising:
a first user device with an associated first avatar;
a second user device with an associated second avatar;
a check printing device; and
a server comprising a processor and a memory storing a metaverse application comprising a session manager module, and computer-executable instructions, that when executed by the processor, cause the processor to perform steps of:
storing, for a plurality of metaverse sessions, a history of metaverse interactions of the first avatar and the second avatar;
creating, via the metaverse application, a metaverse session;
receiving, from the first avatar, and via the first user device, a log-in request to the metaverse session;
authenticating the first avatar based on the history of metaverse interactions of the first avatar;
based on the authentication, generating interactions between the first avatar and the second avatar during the metaverse session and recording, via the session manager module, the interactions in the history of metaverse interactions wherein the generating interactions comprises:
displaying a virtual check representation of the paper check;
receiving a signature from the first avatar; and
updating the virtual check by replacing the first signature with the received signature; and
printing, via the check printing device, the updated virtual check.

### Claim 2 (depends on 1)

The system of claim 1, wherein the authentication is further based on a feature of the first user device.

### Claim 3 (depends on 1)

The system of claim 1, wherein the updated virtual check is associated with a financial institution account that belongs to a user of the first user device.