Methods and systems for account management and virtual agent design and implementation
First Claim
Patent Images
1. A method for web-based account collections management, said method comprising:
- presenting a delinquent-account-resolution multi-media message to a user through a virtual agent, wherein said virtual agent comprises animated features that move in coordination with an audible message portion of said delinquent-account-resolution multi-media message to emulate speech and human-like gestures wherein said gestures comprise a hand gesture presenting a text message portion of said delinquent-account-resolution multi-media message and said gestures further comprise a facial gesture expressed in coordination with said audible message portion, wherein said presenting is performed on a display device and wherein said delinquent-account-resolution multi-media message comprises communication of payment plan options for a delinquent account;
accepting input from said user in response to said multi-media message, wherein said input comprises a selection of one of said payment plan options;
presenting a virtual agent response message in response to said accepting input wherein said virtual agent indicates approval or disapproval of said input by one of a display of a physical gesture and a change in voice tone; and
effecting an account transaction based on said input.
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Abstract
Aspects of the present invention comprise systems and methods for design and use of web-based applications for account management. Some embodiments may comprise a virtual agent or avatar as part of an account collection or management web application. Some embodiments may comprise applications, utilities and tools for account-related web resource design.
19 Citations
20 Claims
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1. A method for web-based account collections management, said method comprising:
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presenting a delinquent-account-resolution multi-media message to a user through a virtual agent, wherein said virtual agent comprises animated features that move in coordination with an audible message portion of said delinquent-account-resolution multi-media message to emulate speech and human-like gestures wherein said gestures comprise a hand gesture presenting a text message portion of said delinquent-account-resolution multi-media message and said gestures further comprise a facial gesture expressed in coordination with said audible message portion, wherein said presenting is performed on a display device and wherein said delinquent-account-resolution multi-media message comprises communication of payment plan options for a delinquent account; accepting input from said user in response to said multi-media message, wherein said input comprises a selection of one of said payment plan options; presenting a virtual agent response message in response to said accepting input wherein said virtual agent indicates approval or disapproval of said input by one of a display of a physical gesture and a change in voice tone; and effecting an account transaction based on said input. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for web-based account collections management, said method comprising:
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receiving user account data for an account, wherein said account data comprises at least one of a user'"'"'s height, weight, race, gender, income, area of residence, zip code, area code, telephone number, occupation, marital status, product preferences, purchase history, credit information and account balances; determining user characteristics based on said account data, wherein said user characteristics comprise a user'"'"'s age and a user'"'"'s gender; presenting a delinquent-account-resolution multi-media message to a user through a virtual agent, wherein said virtual agent comprises attributes and animated features, wherein said attributes comprise voice, hairstyle, hair color, clothing, accessories, skin color and racial characteristics and apparent age, wherein said animated features move in coordination with an audible portion of said delinquent-account-resolution multi-media message to emulate speech and human-like gestures and wherein said attributes and animated features are adaptive to said user characteristics, wherein said presenting is performed on a display device and wherein said multi-media message comprises communication of payment plan options for said account; accepting input from said user in response to said delinquent-account-resolution multi-media message wherein said input comprises a selection of one of said payment plan options; presenting a virtual agent response message in response to said accepting input wherein said virtual agent indicates approval or disapproval of said input by one of a display of a physical gesture and a change in voice tone; and effecting an account transaction for said account based on said input. - View Dependent Claims (15, 16, 17, 18, 19)
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20. A non-transitory, computer-readable medium comprising executable instructions for implementing a method for web-based account collections management, said executable instructions comprising instructions for:
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presenting a delinquent-account-resolution multi-media message to a user through a virtual agent, wherein said virtual agent comprises animated features that move in coordination with an audible message portion of said delinquent-account-resolution multi-media message to emulate speech and human-like gestures wherein said gestures comprise a hand gesture presenting a text message portion of said delinquent-account-resolution multi-media message and said gestures further comprise a facial gesture expressed in coordination with said audible message portion, wherein said presenting is performed on a display device and wherein said delinquent-account-resolution multi-media message comprises communication of payment plan options for a delinquent account; accepting input from said user in response to said multi-media message, wherein said input comprises a selection of one of said payment plan options; presenting a virtual agent response message in response to said accepting input wherein said virtual agent indicates approval or disapproval of said input by one of a display of a physical gesture and a change in voice tone; and effecting an account transaction based on said input.
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Specification