The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Sep. 01, 2026

Filed:

Jan. 07, 2026
Applicant:

Citibank, N.a., New York, NY (US);

Inventors:

Vasanthakumar Rajendran, New York, NY (US);

Jefferson Okraku, New York, NY (US);

Deepak Kela, New York, NY (US);

Rachit Kumar, New York, NY (US);

Satchel Aviram, New York, NY (US);

Karolina Belwal, New York, NY (US);

Tarak Mehta, New York, NY (US);

Ranjit Kumar Angiya Rameshbabu, Chennai, IN;

Robin Jain, Pune, IN;

Joseph V. Bonanno, Jr., Scarsdale, NY (US);

Dipendra Malhotra, Cranbury, NJ (US);

Aravind Pitchai Guruswamy, Whitehouse Station, NJ (US);

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06F 16/33 (2025.01); G06F 16/3329 (2025.01); H04L 65/1069 (2022.01);
U.S. Cl.
CPC ...
G06F 16/33295 (2025.01); H04L 65/1069 (2013.01);
Abstract

The systems and methods disclosed herein provide an architecture for deploying artificial intelligence (AI) avatars that generate audio and video responses to user interactions across various infrastructure environments. The systems and methods disclosed herein establish connections between client applications and a first infrastructure layer that invokes multiple agents trained on domain-specific knowledge bases to retrieve associated data records. The retrieved data and user input are routed to a second infrastructure layer hosting a generative AI model that identifies relevant data fields and generates avatar responses as audio or video streams. The systems and methods disclosed herein are enabled to evaluate the user inputs and/or avatar responses by applying one or more validation criteria. The systems and methods disclosed herein adjust the user inputs and/or avatar responses based on the evaluation. Context data is maintained across communication sessions and multiple client devices to preserve conversational continuity


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