Interactive voice response system for banking by telephone

Claim 2

An interactive voice response system that allows a user to conduct financial transactions, including bill payment, by telephone, comprising: a first host network connected to at least one financial institution, said financial institution maintaining an account for the user; means for determining whether the user should be transferred to a second host network comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code, means for collecting the personal identification code, and means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host network when the determination is that the user should be transferred; means for allowing the user to exchange information concerning the account, including account balance information and fund transfer information, with the first host network by telephone; means for providing voice prompts that supply information to the user, and request data from the user; said means for providing voice prompts including means for providing voice prompts that present the user with a sequential listing of available transaction options; means for allowing the user to select any of the plurality of available transaction options by providing an input into the system in response to one of said voice prompts; wherein one of the available transaction options is bill payment and the system further includes means for allowing the user to select a payee, the means for allowing the user to select a payee including means for providing voice prompts that present the user with a sequential listing of one or more payees from a list of potential payees; and means for allowing the user to select any payee from the sequential listing of one or more payees by providing an input into the system in response to one of said voice prompts that present the user with a sequential listing of one or more payees from the list of potential payees.

Claim 3

An interactive voice response system according to claim 1, further comprising: means for selecting a group of one or more payees from said list of potential payees to present to the user in the sequential listing of one or more payees, including means for prompting the user to enter one or more letters of the alphabet corresponding to one or more of said payees from said list of potential payees.

Claim 4

An interactive voice response system according to claim 1, further comprising: means for allowing the user to reject any of the one or more payees listed solely by providing a negative input into the system, wherein said negative input is constant.

Claim 5

An interactive voice response system according to claim 1, wherein said means for allowing the user to select any of the one or more payees listed includes means for prompting the user to press a particular key of a telephone.

Claim 6

An interactive voice response system according to claim 1, wherein said means for allowing the user to select any of the one or more payees listed includes means for prompting the user to speak a particular phrase into a telephone.

Claim 7

An interactive voice response system according to claim 1, wherein said means for allowing the user to select from said plurality of available transaction options includes a voice processing system that can generate voice messages and process user input and a telephone for user input.

Claim 8

An interactive voice response system according to claim 1, wherein said means for allowing the user to exchange information with the first host network by telephone includes a host processor, a voice processing system that can generate voice messages and process user input and an automatic call director.

Claim 9

The interactive voice response system of claim 1, further comprising means for connecting the user to a customer service representative in response to a predetermined user input.

Claim 10

The interactive voice response system of claim 1, further comprising a second means for transferring the user to a second host network in response to a predetermined user input.

Claim 11

The interactive voice response system of claim 1, further comprising means for determining whether the user identifier corresponds to a local network account or the second network and the means for transferring the user to the second network transferring when a determination is made that the user belongs to the second network and means for notifying the user of the transfer.

Claim 12

The interactive voice response system of claim 1, further comprising means for allowing the user to select or change said personal identification code and means for confirming that said personal identification code is not the same as other user identification codes.

Claim 13

The interactive voice response system of claim 1, further comprising means for giving the user a predetermined number of opportunities to enter a valid personal identification code, the predetermined number being greater than one.

Claim 14

The interactive voice response system of claim 1, further comprising means for transferring the user to a customer service representative and means for sending a message to the customer service representative providing status information concerning the user within the system.

Claim 15

The interactive voice response system of claim 1, comprising means determining whether the user is a new user, means for prompting new users to select a unique personal identification code and means for allowing users that are not new users to bypass the means for prompting new users to select a unique personal identification code.

Claim 16

An interactive voice response system for allowing a user to perform transactions with a first remote host network, comprising: means for determining whether the user should be transferred to a second host network comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code; means for collecting the personal identification code; and means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host network when the determination is that the user should be transferred; means for allowing the user to exchange information with the first host network by telephone; means for providing voice prompts that supply information to the user and request data from the user; voice menu means, responsive to user inputs, for providing the user a voice menu of a plurality of available transaction options; menu selection means for allowing the user to select a menu of one or more of said available transaction options by entering letters of the alphabet corresponding to one or more of said available transaction options; and means for allowing the user to select any of one or more said available transaction options presented in the voice menu by providing an input into the system; wherein the user can select any of one or more said available transaction options presented in the voice menu by providing an affirmative input and wherein the voice menu means continues to list the one or more of said available transaction options until all of the one or more of said available transaction options have been listed or the user makes some input.

Claim 17

An interactive voice response system for allowing a user to perform transactions with a first remote host network, comprising: means for determining whether the user should be transferred to a second host network comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code; means for collecting the personal identification code; and means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host network when the determination is that the user should be transferred; means for allowing the user to exchange information with the first host network by telephone; means for providing voice prompts that supply information to the user and request data from the user; voice menu means, responsive to user inputs, for providing the user a voice menu of a plurality of available transaction options; menu selection means for allowing the user to select a menu of one or more of said available transaction options by entering letters of the alphabet corresponding to one or more of said available transaction options; and means for allowing the user to select any of one or more said available transaction options presented in the voice menu by providing an input into the system; wherein the user can select any of one or more said available transaction options presented in the voice menu by providing an affirmative input and wherein the voice menu means continues to list the one or more of said available transaction options until all of the one or more of said available transaction options have been listed or the user makes some input.

Claim 18

The interactive voice response system of claim 15, wherein the system includes a database containing a list of potential payees; and one of the one or more of said available transaction options is payment to a selected payee from the list of potential payees and the menu selection means allows the user to select a menu of one or more potential payees by entering letters of the alphabet corresponding to one or more potential payees from the list of potential payees.

Claim 19

The interactive voice response system of claim 15, wherein the affirmative input is constant for all of said one or more said available transaction options.

Claim 20

The interactive voice response system of claim 15, wherein the voice menu is also responsive to negative inputs such that, in response to a negative input, the voice menu means lists a next available transaction option.

Claim 21

The interactive voice response system of claim 18, wherein the negative input is constant for all of said one or more said available transaction options.

Claim 22

An interactive voice response system according to claim 15, wherein said means for allowing the user to select any of one or more available transaction options includes means for prompting the user to press a particular key of a telephone.

Claim 23

An interactive voice response system according to claim 15, wherein said means for allowing the user to select any of one or more available transaction options includes means for prompting the user to speak a particular phrase into a telephone.

Claim 24

An interactive voice response system according to claim 15, wherein said means for providing voice prompts includes a voice processing system that generates voice messages and processes user input.

Claim 25

An interactive voice response system according to claim 15, wherein said means for allowing the user to select any of one or more said available transaction options includes a voice processing system that generates voice messages and processes user input and a telephone for user input.

Claim 26

An interactive voice response system according to claim 15, wherein said means for allowing the user to exchange information with the first host network by telephone includes a host processor, a voice processing system that generates voices messages and processes user input and an automatic call director.

Claim 27

The interactive voice response system of claim 15, further comprising means for connecting the user to a customer service representative in response to a predetermined user input.

Claim 28

The interactive voice response system of claim 15, wherein said means for transferring the user to the second host network includes transferring the user to the second host network in response to a predetermined user input.

Claim 29

The interactive voice response system of claim 15, wherein said means for transferring the user to the second host network includes means for determining whether the user identifier corresponds to a local network account or a second network and means for transferring the user to the second network when a determination is made that the user belongs to the second network and means for notifying the user of the transfer to the second network.

Claim 30

The interactive voice response system of claim 15, further comprising means for allowing the user to select or change said personal identification code and means for confirming that a new personal identification code is not the same as other personal identification codes.

Claim 31

The interactive voice response system of claim 15, further comprising means for giving the user a predetermined number of opportunities to enter a valid personal identification code, the predetermined number being greater than one.

Claim 32

The interactive voice response system of claim 15, further comprising means for transferring the user to a customer service representative and means for sending a message to the customer service representative providing status information about the user within the system.

Claim 33

The interactive voice response system of claim 15, comprising means determining whether the user is a new user, means for prompting new users to select a unique personal identification code and means for allowing users that are not new users to bypass the means for prompting new users to select a unique personal identification code.

Claim 36

A method of operating an interactive voice response system according to claim 32, further comprising the step of: providing means for selecting a group of one or more payees from the list of potential payees to present to the user in the sequential listing of one or more payees including means for prompting the user to enter one or more letters of the alphabet corresponding to one or more of said payees from the list of potential payees.

Claim 37

A method of operating an interactive voice response system according to claim 32, wherein said step of allowing the user to select any of the one or more payees listed includes prompting the user to speak a particular phrase into a telephone.

Claim 40

The method of operating an interactive voice response system of claim 35, further comprising the steps of providing a database containing a list of potential payees; and providing means for allowing the user to select a menu of one or more potential payees from the list of potential payees by entering letters of the alphabet corresponding to one or more potential payees from the list of potential payees.

Claim 41

The method of operating an interactive voice response system according to claim 35, wherein the input is constant for all of said plurality of available transaction options.

Claim 42

A method of operating an interactive voice response system according to claim 35, wherein allowing the user to select any available transaction option includes prompting the user to speak a particular phrase into a telephone.

Claim 43

An interactive voice response system for conducting financial transactions, including bill payment transactions, using a network connected to at least one financial institution, said financial institution maintaining an account for a specific user, said system comprising: a first host computer system that is capable of generating voice message signals; means for determining whether the user should be transferred to a second host computer comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code; means for collecting the personal identification code; and means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host computer when the determination is that the user should be transferred; at least one remote communication terminal comprising user input means and audio output means for producing audible messages in response to the voice message signals, said remote communication terminal coupled to a dial-up telephone line, said remote communication terminal including means for allowing the user to generate first data representing a payee, second data representing an amount, and third data representing a network compatible personal identification number; telecommunication means for communicating said first, second and third data from said remote communication terminal to said first host computer via said dial-up telephone line; said first host computer further including means for generating a digital message responsive to said communicated first, second and third data for applying said digital message including said network compatible personal identification number to said network so as to selectively perform transactions, including bill payment transactions, within said user account so as to selectively effect debiting of said user account substantially in real-time in response to user input; and further comprising: means for connecting the user to a customer service representative in response to a predetermined user input.

Claim 44

An interactive voice response system for conducting financial transactions, including bill payment transactions, using a network connected to at least one financial institution, said financial institution maintaining an account for a specific user, said system comprising: a first host computer system that is capable of generating voice message signals; means for determining whether the user should be transferred to a second host computer comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code; means for collecting the personal identification code; and means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host computer when the determination is that the user should be transferred; at least one remote communication terminal comprising user input means and audio output means for producing audible messages in response to the voice message signals, said remote communication terminal coupled to a dial-up telephone line, said remote communication terminal including means for allowing the user to generate first data representing a payee, second data representing an amount, and third data representing a network compatible personal identification number; telecommunication means for communicating said first, second and third data from said remote communication terminal to said first host computer via said dial-up telephone line; said first host computer further including means for generating a digital message responsive to said communicated first, second and third data for applying said digital message including said network compatible personal identification number to said network so as to selectively perform transactions, including bill payment transactions, within said user account so as to selectively effect debiting of said user account substantially in real-time in response to user input; and further comprising: means for connecting the user to a customer service representative in response to a predetermined user input.

Claim 45

The interactive voice response system of claim 39, wherein the remote communication terminal is a telephone and the audio output means for producing audible messages in response to the voice message signals is a telephone speaker.

Claim 46

The interactive voice response system of claim 39, further comprising means for providing voice prompts that present the user with a sequential listing of potential payees and means for allowing the user to select any of the one or more payees listed solely by providing an affirmative input into the system in response to one of said voice prompts; means for allowing the user to reject any of the one or more payees listed solely by providing a negative input into the system, and wherein said affirmative input is constant for all of said one or more payees listed and said negative input is constant for all of said one or more payees listed.

Claim 47

The interactive voice response system of claim 39, further comprising: voice menu means, responsive to user inputs, for providing the user a voice menu of a plurality of available transaction options; menu selection means for allowing the user to select a menu of one or more available transaction options by entering letters of the alphabet corresponding to one or more of said available transaction options; and means for allowing the user to select any of the available transaction options presented in the voice menu solely by providing an affirmative input into the system; wherein the user can select any of the available transaction options presented in the voice menu by providing an affirmative input and wherein the voice menu means continues to list the available transaction options until all of the plurality of available transaction options have been listed or the user makes some input.

Claim 48

The interactive voice response system of claim 42, wherein the system includes a database containing a list of potential payees; and one of the available transaction options is payment to a selected payee from the list of potential payees and the menu selection means allows the user to select a menu of one or more potential payees from the list of potential payees by entering letters of the alphabet corresponding to one or more potential payees from the list of potential payees.

Claim 49

The interactive voice response system of claim 42, wherein the affirmative input is constant for all of said available transaction options.

Claim 50

The interactive voice response system of claim 42, wherein the voice menu means is also responsive to negative inputs such that, in response to a negative input, the voice menu lists a next available transaction option.

Claim 51

The interactive voice response system of claim 45, wherein the negative input is constant for all of said available transaction options.

Claim 52

An interactive voice response system according to claim 42, wherein said means for allowing the user to select any of the available transaction options includes means for prompting the user to speak a particular phrase into a telephone.

Claim 53

The interactive voice response system of claim 39, wherein said means for transferring the user to a second host network includes means for determining whether the user identifier corresponds to a local network account or the second network and means for transferring the user to the second network when a determination is made that the user belongs to the second network and means for notifying the user of the transfer to a second network.

Claim 54

The interactive voice response system of claim 42, further comprising means for transferring the user to a customer service representative and means for sending a message to the customer service representative providing information concerning a status of the user within the system.

Claim 55

The interactive voice response system of claim 42, comprising means determining whether the user is a new user, means for prompting new users to select a unique personal identification code and means for allowing users that are not new users to bypass the means for prompting new users to select a unique personal identification code.

Claim 58

A method of operating an automated voice response system according to claim 51, wherein one of the available transaction options is bill payment and further comprising the step of providing means for selecting a payee, the step of providing means for selecting a payee including providing voice prompts that present the user with a sequential listing of one or more payees from a list of potential payees and allowing the user to select any payee from the sequential listing of one or more payees solely by providing an affirmative input into the system in response to one of said voice prompts that present the user with a sequential listing of one or more payees from a list of potential payees.

Claim 59

An automated voice response system that allows a user to conduct financial transactions by telephone, comprising: a first host network connected to at least one financial institution, said financial institution maintaining an account for the user; means for determining whether the user should be transferred to a second host network comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code; means for collecting the personal identification code; means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host network when the means for determining determines that the user should be transferred; means for allowing the user to exchange information concerning the account, including account balance information and fund transfer information, with the first host network by telephone; means for providing voice prompts that supply information to the user, request data from the user and present the user with a sequential listing of available transaction options; means for allowing the user to select any available transaction option solely by providing an affirmative input into the system in response to one of said voice prompts, wherein said affirmative input is constant for all of said available transaction options.

Claim 60

An automated voice response system that allows a user to conduct financial transactions by telephone, comprising: a first host network connected to at least one financial institution, said financial institution maintaining an account for the user; means for determining whether the user should be transferred to a second host network comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code; means for collecting the personal identification code; means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host network when the means for determining determines that the user should be transferred; means for allowing the user to exchange information concerning the account, including account balance information and fund transfer information, with the first host network by telephone; means for providing voice prompts that supply information to the user, request data from the user and present the user with a sequential listing of available transaction options; means for allowing the user to select any available transaction option solely by providing an affirmative input into the system in response to one of said voice prompts, wherein said affirmative input is constant for all of said available transaction options.

Claim 61

The automated voice response system of claim 53, further comprising means for determining whether the user identifier corresponds to a local account or the second host network and means for transferring the user to the second host network when a determination is made that the user belongs to the second host network and means for notifying the user of the transfer.

Claim 62

The automated voice response system of claim 53, wherein one of the available transaction options is bill payment and the system further includes means for allowing the user to select a payee, the means for allowing the user to select a payee including means for providing voice prompts that present the user with a sequential listing of one or more payees from a list of potential payees.

Claim 63

An automated voice response system for conducting financial transactions using a first network connected to at least one financial institution, said financial institution maintaining an account for a user, said system comprising: a first host computer system that is capable of generating voice message signals; means for determining whether the user should be transferred to a second host computer comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code, means for collecting the personal identification code and means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host computer when the means for determining determines that the user should be transferred; at least one remote communication terminal comprising user input means and audio output means for producing audible messages in response to the voice message signals, said remote communication terminal coupled to a dial-up telephone line, said remote communication terminal including means for generating first data representing a transaction, second data representing an amount, and third data representing a network compatible personal identification number; telecommunications means for communicating said first, second and third data from said remote communication terminal to said first host computer via said dial-up telephone line; said first host computer further including means for generating a digital message responsive to said communicated first, second and third data and for applying said digital message including said network compatible personal identification number to said first network so as to selectively perform transactions within said user account; and means for connecting the user to a customer service representative in response to a predetermined user input.

Claim 64

An automated voice response system for conducting financial transactions using a first network connected to at least one financial institution, said financial institution maintaining an account for a user, said system comprising: a first host computer system that is capable of generating voice message signals; means for determining whether the user should be transferred to a second host computer comprising: means for prompting the user to enter a user identifier; means for collecting the user identifier; means for identifying the user based on the user identifier and means for prompting the user to enter a personal identification code, means for collecting the personal identification code and means for verifying the personal identification code is correct for the user; and means for transferring the user to the second host computer when the means for determining determines that the user should be transferred; at least one remote communication terminal comprising user input means and audio output means for producing audible messages in response to the voice message signals, said remote communication terminal coupled to a dial-up telephone line, said remote communication terminal including means for generating first data representing a transaction, second data representing an amount, and third data representing a network compatible personal identification number; telecommunications means for communicating said first, second and third data from said remote communication terminal to said first host computer via said dial-up telephone line; said first host computer further including means for generating a digital message responsive to said communicated first, second and third data and for applying said digital message including said network compatible personal identification number to said first network so as to selectively perform transactions within said user account; and means for connecting the user to a customer service representative in response to a predetermined user input.

Claim 65

The automated voice response system of claim 56, wherein one of the available transaction options is bill payment and the system further includes means for allowing the user to select a payee, the means for allowing the user to select a payee including means for providing voice prompts that present the user with a sequential listing of one or more payees from a list of potential payees.