ITR
Carrier
100%
1:40 PM
Hello Stuart. This is a reminder that you have a minimum payment of $129 on your Visa card ending in 1234 due on Jan 25. Can you make a payment now?
Carrier
100%
1:40 PM
iMessage
Monument Bank
Hello Stuart. This is a reminder that you have a minimum payment of $129 on your Visa card ending in 1234 due on Jan 25. Can you make a payment now?
Carrier
100%
1:40 PM
iMessage
Monument Bank
Yes
OK – please tap https://m-b.com/account/hK40p and enter your information to make a payment.
Carrier
100%
1:40 PM
m.m-b.com
Username
Password
SIGN IN
Remember Me
Forgot username/password?
Due date
Amount due
Bank Account | Manage/Add Banks
Payment date
Payment Amount
January 25, 2017
$129.00
MONUMENT BANK, NA
Personal Checking - 9876
January 20, 2017
Payments recieved after 8:00pm MST may not be credited until the next business day.
Submit Payment
Go to Account Overview
$300.00 Statement Balance
$129.00 Minumum Payment
$340.50 Current Balance
Other
$300.00
Personal Card (-1234)
LOG OFF
Schedule Payment
Carrier
100%
1:40 PM
m.m-b.com
Personal Card (-1234)
Carrier
100%
1:40 PM
m.m-b.com
LOG OFF
Schedule Payment
Confirmation
M934712801
Payments recieved after 8:00 pm MST may not be credited until the next business day.
Confirm Payment
Payment date
Amount Paid
Bank Account
January 20, 2017
$300.00
Monument Bank - 9876
Cancel
Personal Card (-1234)
Carrier
100%
1:40 PM
m.m-b.com
LOG OFF
Schedule Payment
Thank You!
Your payment has been received. You will see a charge on your account in the next 24-32 hours.
Your confirmation number is M934712801
Hello Stuart. This is a reminder that you have a minimum payment of $129 on your Visa card ending in 1234 due on Jan 25. Can you make a payment now?
Carrier
100%
1:40 PM
iMessage
Monument Bank
Yes
OK – please tap https://m-b.com/account/hK40p and enter your information to make a payment.
Thank you! We have received your payment of $300 for your credit card ending in 1234. Your confirmation number is M934712801
If you have any questions feel free to text us or call (212) 555-5555 at any time.
No, I can't
Do you know when you could make the payment?
Carrier
100%
1:40 PM
iMessage
Monument Bank
Hello Stuart. This is a reminder that you have a minimum payment of $129 on your Visa card ending in 1234 due on Jan 25. Can you make a payment now?
No, I can't
Do you know when you could make the payment?
Yes - I do
Great – Please tell us the date.
January 23rd
Carrier
100%
1:40 PM
iMessage
Monument Bank
$340.50 is due now. How much do you expect to pay on Jan 23?
All of it
Do you expect to pay at the branch, by check, or online?
January 23rd
$340.50 is due now. How much do you expect to pay on Jan 23?
All of it
Do you expect to pay at the branch, by check, or online?
I'll pay at a branch.
I made a note in our system that $340.50 will be paid on Jan 23 via a branch location.
If this payment cannot be made, please text “reschedule payment”. You can also call us at (212) 555-5555 any time. Thank you!
Carrier
100%
1:40 PM
iMessage
Monument Bank
Hello Stuart. This is a reminder that you have a minimum payment of $129 on your Visa card ending in 1234 due on Jan 25. Can you make a payment now?
Carrier
100%
1:40 PM
iMessage
Monument Bank
No, I can't
Do you know when you could make the payment?
Nope
No problem. We can connect you to a representative if you’d like. Do you want one to call you?
Sure
Great. You should receive a call within 6 minutes.
Carrier
100%
1:40 PM
❮ BACK
❮ BACK
❮ BACK
❮ BACK
❮ BACK
❮ BACK
❮ BACK
❮ BACK
❮ BACK
❮ BACK
Automated Self-Service Script
Conversation with Live Staff
You are a customer of Monument Bank and have a credit card account with an outstanding balance. As a convenience to their customers, Monument Bank offers an interactive service that provides notifications about their account balance, and alerts customers about upcoming payment due dates. Customers have the option to confirm, schedule and pay their balances as well as to connect to a live bank representative if they have further questions — all through SMS.
You opted in to this service and have used it previously so you have it saved in your contacts.
Tap the message alert.
Pick a response:
Yes - Pay Now
No - Pay Later
The interaction with Monument Bank over text is fast and convenient and the dialog is natural. One-way appointment reminders turn into two-way conversations keeping the customer fully engaged on their terms. This is the power of Alvaria’s Interactive Text Response (ITR).
This concludes our demonstration. To restart the interaction please press the Home button on the phone.
Pick a response:
Yes - I do
Nope - I don't
Continue ➝
Notice how you didn’t need to type the date in number format to be properly understood, and are answered immediately.
This is made possible through Natural Language Understanding (NLU), which can understand natural phrases in English and many more languages.
Notice how you didn’t have to exactly answer “yes” or “no” to be properly understood, and are answered immediately.
This is made possible through Natural Language Understanding (NLU), which can understand natural phrases in English and many more languages.
Continue ➝
Tap on the Embedded Link
Tap the "Sign In" button
Sign In
After tapping the link, you are led to a disposable app. This is a Web app that doesn’t require prior download and works on all smartphone platforms. It allows customers to engage right on the spot and not have to sort through a navigation menu to get to their credit card statement.
Scroll down on the phone screen to tap the "Submit Payment" button
Submit Payment
if the button on the phone doesn't work, click on the above "submit payment" button
Tap the "Confirm Payment" button
Confirm Payment
Tap on the text message alert at the top of the screen.