Patent 9077699 was granted and assigned to BANK OF AMERICA CORPORATION on July, 2015 by the United States Patent and Trademark Office.
A method and system for determining which online banking customers of a financial institution may be invited to chat with available customer service representatives or agents. Additionally, after a customer is invited to text-chat with a customer service representative or agent, the customer may be allowed to communicate via text-chat with one or more customer service representatives or agents without redundantly inputting the customer's identification information, advantageously saving time and improving customer satisfaction.