| 主权项 |
1. A computer-implemented method for conducting online banking using Internet communication devices and a human representative of a financial institution comprising the following steps:
a. a customer using a personal Internet communication device to access said financial institution's online financial services computer program with said financial institution's online financial application installed therein, b. said customer electronically requesting to interact online with said human representative of said financial institution, c. said human representative accessing said financial institution's internal banking application using said financial institution's desktop or laptop computing device, d. said accessing by said human representative electronically signaling availability to assist any said customer, e. immediately placing said representative in a virtual agent repository to provide assistance to said customer, f. immediately and electronically placing said customer into a virtual speaker's box where said customer has access to live two-way audio, video, and text communication capability with said human representative, g. immediately and electronically matching said customer in said speaker's box with said human representative in said agent repository, h. initiating said live two-way audio, video, and/or text communication to establish a live audio-video and/or text session between said customer and said human representative, i. routing said live two-way audio, video, and/or text communication through an Internet web server back and forth between said customer and said human representative, j. executing one or more online banking transactions while maintaining live two-way audio, video, and/or text communication between said customer and said human representative, and k. terminating said live audio-video and/or text session between said customer and said human representative once said online transaction(s) has (have) been completed. |
