Abstract
From the background information supplied by the inventors, news correspondents o btained the following quote: “Organizations that offer products and/or services associated with customer accounts have traditionally relied on in-person servici ng at a brick-and-mortar location, call centers, IVR systems to interact with cu stomers for account servicing. “In person servicing at a brick-and-mortar location and call centers staffed wit h human representatives can provide certain advantages, particularly for custome rs who wish to speak to a human. However, such staffing can be cost-prohibitive on the organization (and, in turn, the customers) and often results in long wait times for customers.