Virtual reality environment for teaching children about money

Patent metadata

Field	Value
Publication number	US-12488329-B2
Application number	US-202217843655-A
Country	US
Kind code	B2
Filing date	Jun 17, 2022
Priority date	Jun 17, 2022
Publication date	Dec 2, 2025
Grant date	Dec 2, 2025

Abstract

A virtual reality environment for teaching children about money is provided. For example, a computing system can generate a virtual reality environment associated with a child user account linked to a parent user account. The virtual reality environment can include an interactive gaming element. The computing system can output the virtual reality environment to a user device associated with the child user account. The computing system can receive, from the user device, an input for the interactive gaming element. The computing system can determine, based on the input, an update to a financial balance in the child user account. The computing system can output, to the user device, the update to the financial balance for display in the virtual reality environment.

First claim

What is claimed is:

1 . A system comprising:
a processor; and a non-transitory computer-readable memory comprising instructions that are executable by the processor for causing the processor to:
generate a virtual reality environment associated with a child user account linked to a parent user account, the virtual reality environment comprising an interactive gaming element comprising an educational game in which virtual credits are earnable;
execute a trained machine learning model to generate an update to a sentence structure of the educational game based on an input of an age of a user associated with the child user account;
execute the trained machine learning model to generate another update to a visualization element of the educational game based on another input of the age of the user and the visualization element;
modify the educational game in the virtual reality environment based on the update to the sentence structure and the other update to the visualization element generated by the trained machine learning model;
output the virtual reality environment to a user device associated with the child user account;
receive, from the user device, an input for the interactive gaming element answering financial literacy questions in the educational game;
determine, based on the input, an update to a financial balance of virtual credits in the child user account;
output, to the user device, the update to the financial balance for display in the virtual reality environment; and
convert the virtual credits into funds by automatically depositing the funds from the parent user account into the child user account.

2 . The system of claim 1 , wherein the memory further comprises instructions that are executable by the processor for causing the processor to determine the update to the financial balance in the child user account by:
in response to receiving the input for the interactive gaming element, determining a transfer of funds between the parent user account and the child user account.

3 . The system of claim 1 , wherein the memory further comprises instructions that are executable by the processor for causing the processor to:
receive another update to the financial balance in the child user account; determining that the other update to the financial balance exceeds a predetermined threshold; and in response to determining that the other update exceeds the predetermined threshold, transmitting, to the parent user account, a notification indicating the other update to the financial balance in the child user account.

4 . The system of claim 1 , wherein the memory further comprises instructions that are executable by the processor for causing the processor to output the update to the financial balance for display in the virtual reality environment by:
generating the visualization element based on the update to the financial balance; and outputting the visualization element for display in the virtual reality environment.

5 . The system of claim 4 , wherein the visualization element comprises a spending diagram, a savings diagram, and an earnings diagram.

6 . The system of claim 4 , wherein the memory further comprises instructions executable by the processor for causing the processor to:
determine the age of the user associated with the child user account; and update the visualization element based on the age of the user.

7 . A method comprising:
generating, by a processor, a virtual reality environment associated with a child user account linked to a parent user account, the virtual reality environment comprising an interactive gaming element comprising an educational game in which virtual credits are earnable; executing, by the processor, a trained machine learning model to generate an update to a sentence structure of the educational game based on an input of an age of a user associated with the child user account; executing, by the processor, the trained machine learning model to generate another update to a visualization element of the educational game based on another input of the age of the user and the visualization element; modifying, by the processor, the educational game in the virtual reality environment based on the update to the sentence structure and the other update to the visualization element generated by the trained machine learning model; outputting, by the processor, the virtual reality environment to a user device associated with the child user account; receiving, by the processor, from the user device, an input for the interactive gaming element answering financial literacy questions in the educational game; determining, by the processor, an update to a financial balance of virtual credits in the child user account based on the input; outputting, by the processor, the update to the financial balance for display in the virtual reality environment to the user device; and converting, by the processor, the virtual credits into funds by automatically depositing the funds from the parent user account into the child user account.

8 . The method of claim 7 , wherein determining the update to the financial balance in the child user account further comprises:
in response to receiving the input for the interactive gaming element, determining a transfer of funds between the parent user account and the child user account.

9 . The method of claim 7 , further comprising:
receive another update to the financial balance in the child user account; determining that the other update to the financial balance exceeds a predetermined threshold; and in response to determining that the other update exceeds the predetermined threshold, transmitting, to the parent user account, a notification indicating the other update to the financial balance in the child user account.

10 . The method of claim 7 , wherein outputting the update to the financial balance for display in the virtual reality environment further comprises:
generating the visualization element based on the update to the financial balance; and outputting the visualization element for display in the virtual reality environment.

11 . The method of claim 10 , wherein the visualization element comprises a spending diagram, a savings diagram, and an earnings diagram.

12 . The method of claim 10 , further comprising:
determining the age of the user associated with the child user account; and updating the visualization element based on the age of the user.

13 . A non-transitory computer-readable medium comprising program code that is executable by a processor for causing the processor to:
generate a virtual reality environment associated with a child user account linked to a parent user account, the virtual reality environment comprising an interactive gaming element comprising an educational game in which virtual credits are earnable; execute a trained machine learning model to generate an update to a sentence structure of the educational game based on an input of an age of a user associated with the child user account; execute the trained machine learning model to generate another update to a visualization element of the educational game based on another input of the age of the user and the visualization element; modify the educational game in the virtual reality environment based on the update to the sentence structure and the other update to the visualization element generated by the trained machine learning model; output the virtual reality environment to a user device associated with the child user account; receive, from the user device, an input for the interactive gaming element answering financial literacy questions

Assignees

• Truist Bank

Inventors

• Ratcliffe Jr Ronald Lee
• Rivera Colon Reinaldo Gamaliel
• Merten Jennifer

Classifications

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06T11/00 Primary

  Two-dimensional [2D] image generation · CPC title

• G09B19/18

  Book-keeping or economics · CPC title

• G06N20/00

  Machine learning · CPC title

• G06Q50/20

  Education · CPC title