MUMBAI, India, Aug. 24 -- Intellectual Property India has published a patent application (202621082024 A) filed by Symbiosis International Deemed University on July 02, 2026, for Emotion-Financial Intelligence Driven Ai Banking Advisor System For Adaptive Metaverse Banking.
Inventors include Dr. Rashmy Moray; and Dr. Ahuti S Mishra.
The application for the patent was published on August 21, 2026, under issue no. 34/2026.
Abstract: ABSTRACT EMOTION-FINANCIAL INTELLIGENCE DRIVEN AI BANKING ADVISOR SYSTEM FOR ADAPTIVE METAVERSE BANKING The present invention discloses an emotion-financial intelligence driven autonomous artificial intelligence banking advisor system (100) operating within an adaptive metaverse banking environment (200). The system comprises a multimodal emotion acquisition module (106) capturing facial expression, voice tone, speech sentiment, interaction latency, and behavioural response data from a customer. An emotion state processing module (108) applies a multimodal fusion pipeline and an Emotional Financial State Vector generator (110) converts processed emotional signals into a structured vector comprising confidence score, financial anxiety score, hesitation index, trust score, and emotional uncertainty coefficient. An emotion-financial fusion engine (114) integrates the vector with a Financial Intelligence Vector using attention-based weighting to generate an Integrated Customer Intelligence Model. An autonomous AI banking advisor avatar module (118) generates personalised advisory communication with dynamically adapted behaviour. An adaptive recommendation engine (120) generates jointly optimised financial recommendations. [
Disclaimer: Curated by HT Syndication.
