Patent ID: 8200578
Filing Date: 2012-06-12
Classification: G06F,G06K,G06Q,G06T

Abstract:
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.