Patent ID: 9077699
Filing Date: 2015-07-07
Classification: G06Q,H04L

Abstract:
1. A method comprising: receiving, from a user, online banking authentication information for initiating an online banking session, wherein the online banking session comprises at least viewing information within an online banking account of the user; evaluating, during the online banking session, one or more activities of the user; determining whether the user is eligible to receive an invitation to text-chat with an agent of a financial institution maintaining the online banking account, wherein determining whether the user is eligible comprises: automatically presenting, via an interface of the online banking account, a computer processor-initiated invitation to text-chat to the user when the computer processor (a) identifies that the activity of the one or more activities of the user during the online banking session satisfies one or more triggers for presenting the invitation to text-chat and (b) determines that the user is associated with the predefined class of users that are eligible to receive the invitation to text-chat with the agent of the financial institution; authenticating the user to a text-chat session with the agent of the financial institution based at least partially on determining that a portion of the interface of the online banking account is viewable via a display of the user; and initiating the text-chat session between the user and the agent based at least partially on the authenticating the user to the text-chat session.