3D augmented reality document interaction

1. A system for facilitating user reading and understanding of a statement, the system comprising:

a user computing device including a memory and a processor; and

a first set of computer instructions configured for being executed by the processor of the user computing device to perform the steps of:

receiving an electronic statement;

identifying and highlighting select sections of the statement;

launching a three-dimensional (3D) animated character;

interposing the 3D animated character atop the electronic statement;

moving the 3D animated character proximate to a location of a user-selected highlighted section of the electronic statement; and

presenting a script via the 3D animated character, to the user, of the user-selected highlighted section;

wherein the script provides an explanation of the user-selected highlighted section.

2. The system of claim 1 wherein the first set of computer instructions is further configured for performing the step of:

continually repositioning the 3D animated character upon movement or tilting of the user computing device so that the 3D animated character is always facing the user.

3. The system of claim 1 further comprising:

a server including a server memory and a server processor, wherein the server is in communication with a computing device and the user computing device over a network.

4. The system of claim 3 wherein the step of receiving the electronic statement includes downloading the electronic statement from the computing device via the network.

5. The system of claim 1 wherein the step of receiving the electronic statement includes:

receiving a hardcopy statement;

accessing a camera on the user computing device;

acquiring a digital image of the hardcopy statement.

6. The system of claim 5 wherein the camera presents a viewfinder overlay atop the statement.

7. The system of claim 3 wherein the step of receiving the electronic statement includes:

receiving a hardcopy statement;

accessing a camera on the user computing device;

acquiring a digital image of the hardcopy statement.

8. The system of claim 7 wherein a second set of computer instructions that when executed by the server processor performs the steps of:

receiving the digital image of the statement from the user computing device; and

providing the script for the user-selected highlighted section to the user computing device for presentation by the 3D animated character.

9. The system of claim 1 wherein the user computing device is a personal computer, laptop computer, tablet computer or smartphone.

10. The system of claim 1 wherein the script is a predefined script or is text generated by artificial intelligence.

11. The system of claim 1 wherein the statement is a billing statement.

12. The system of claim 11 wherein the billing statement is a healthcare billing statement.

13. The system of claim 2 wherein said 3D animated character is in the form of a person having a face which automatically repositions itself to face the user in response to movement or tilting of the user computing device.

14. A method for facilitating user reading and understanding of a statement comprising the steps of:

receiving an electronic statement using a user computing device;

identifying and highlighting select sections of the statement;

launching a three-dimensional (3D) animated character;

interposing the 3D animated character atop the electronic statement;

moving the 3D animated character proximate to a location of a user-selected highlighted section of the electronic statement; and

presenting a script via the 3D animated character, to the user, of the user-selected highlighted section;

wherein the script provides an explanation of the user-selected highlighted section.

15. The method of claim 14 wherein the first set of computer instructions is further configured for performing the step of:

continually repositioning the 3D animated character upon movement or tilting of the user computing device so that the 3D animated character is always facing the user.

16. The method of claim 14 further comprising:

a server including a server memory and a server processor, wherein the server is in communication with a computing device and the user computing device over a network.

17. The method of claim 16 wherein the step of receiving the electronic statement includes downloading the electronic statement from the computing device via the network.

18. The method of claim 14 wherein the step of receiving the electronic statement includes:

receiving a hardcopy statement;

accessing a camera on the user computing device;

acquiring a digital image of the hardcopy statement.

19. The method of claim 18 wherein the camera presents a viewfinder overlay atop the hardcopy statement.

20. The method of claim 16 wherein the step of receiving the electronic statement includes:

receiving a hardcopy statement;

accessing a camera on the user computing device;

acquiring a digital image of the hardcopy statement.

21. The method of claim 20 wherein a second set of computer instructions that when executed by the server processor performs the steps of:

receiving the digital image of the statement from the user computing device; and

providing the script for the selected section to the user computing device for presentation by the 3D animated character.

22. The method of claim 14 wherein the user computing device is a personal computer, laptop computer, tablet computer or smartphone.

23. The method of claim 14 wherein the script is a predefined script or is text generated by artificial intelligence.

24. The method of claim 14 wherein the statement is a billing statement.

25. The method of claim 24 wherein the billing statement is a healthcare billing statement.

26. The method of claim 15 wherein said 3D animated character is in the form of a person having a face which automatically repositions itself to face the user in response to movement or tilting of the user computing device.