Patent ID: 8725628

Claim:
An apparatus, comprising: a network interface configured receive data from and communicate data to a remote electronic device; and a processor coupled to the network interface, the processor configured to: receive customer credentials; determine customer information associated with the customer credentials; determine one or more accounts associated with the customer information; determine that the one or more accounts comprises at least one loan account with a past-due amount; if the determined one or more accounts comprises only one or more loan accounts: initiate a customer service routine to query whether the customer wants to make a payment on the at least one loan account with the past-due amount; receive an indication that the customer has made a promise to pay at least a portion of the past-due amount; and notify, in response to the indication, a collection system to remove a scheduled follow-up communication with the customer regarding the past-due amount; and if the determined one or more accounts comprise the at least one account with the past-due amount and one or more additional accounts other than loan accounts, display a financial institution website without initiating the customer service routine.