Interactive voice response system for banking by telephone (US5825856)


	Parent Case:			This application is a continuation of application Ser. No. 08/322,619 filed Oct. 13, 1994 now abandoned, which application is a continuation-in-part of application Ser. No. 08/220,863 filed Mar. 31, 1994 now abandoned.
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	First Claim: Show all 57 claims			What is claimed: 1. 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.
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	Forward References:			Show 79 U.S. patent(s) that reference this one

U.S. References:

Go to Result Set: All U.S. references | Forward references (79) | Backward references (43) | Citation Link

Patent	Pub.Date	Inventor	Assignee	Title
US4591664	1986-05	Freeman		Multichannel interactive telephone answering apparatus
US4727243	1988-02	Savar	Telenet Communications Corporation	Financial transaction system
US4792968	1988-12	Katz	FDR Interactive Technologies	Statistical analysis system for use with public communication facility
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US5185787	1993-02	Katz	First Data Resources, Inc.	Multiple party telephone control system with random dialing for polling
US5187735	1993-02	Garcia	Tele Guia Talking Yellow Pages, Inc.	Integrated voice-mail based voice and information processing system
US5204894	1993-04	Darden	Bell Atlantic Network Services, Inc.	Personal electronic directory
US5218631	1993-06	Katz	First Data Resources Inc.	Telephonic-interface game control system
US5224153	1993-06	Katz	First Data Resouces Inc.	Voice-data telephonic interface control system
US5243643	1993-09	Sattar et al.	Voiceples Corporation	Voice processing system with configurable caller interfaces
US5247568	1993-09	Bergsman et al.	Intertel Entertainment, Inc.	Method for creating and composing audio text message
US5251252	1993-10	Katz	First Data Resources Inc.	Telephone interface call processing system with call selectivity
US5255309	1993-10	Katz	First Data Resources Inc.	Telephonic-interface statistical analysis system
US5259023	1993-11	Katz	First Data Resources Inc.	Telephonic-interface statistical analysis system
US5283829	1994-02	Anderson	Bell Communications Research, Inc.	System and method for paying bills electronically
US5297197	1994-03	Katz	First Data Resources Inc.	Multiple party telephone control system
US5329589	1994-07	Fraser et al.	AT&T Bell Laboratories	Mediation of transactions by a communications system
US5337347	1994-08	Halstead-Nussloch et al.	International Business Machines Corporation	Method and system for progressive database search termination and dynamic information presentation utilizing telephone keypad input
US5345501	1994-09	Shelton	Bell Atlantic Network Services, Inc.	Telephone central office based method of and system for processing customer orders
US5349633	1994-09	Katz	First Data Resources Inc.	Telephonic-interface game control system
US5351285	1994-09	Katz	First Data Resources Inc.	Multiple format telephonic interface control system
US5359645	1994-10	Katz	First Data Corporation Inc.	Voice-data telephonic interface control system
US5365575	1994-11	Katz	First Data Resources Inc.	Telephonic-interface lottery system
US5375164	1994-12	Jennings	AT&T Corp.	Multiple language capability in an interactive system
US5383113	1995-01	Kight et al.	Checkfree Corporation	System and method for electronically providing customer services including payment of bills, financial analysis and loans
US5652786	1997-07	Rogers	Telepay	Automated interactive bill payment system

Foreign References:

Buy PDF	Publication	Date	IPC Code	Assignee	Title
	WO9304435	1993-03	G06F 15/30	U.S. ORDER	HOME FINANCIAL TRANSACTION SYSTEM

Other Abstract Info:

DERABS G1995-358831

Other References:

"Convosent 1 Voice System: Architecture and Applications", AT&T Technical Journal, Perdue et al., Sep./Oct. 1986, vol. 65, No. 5, pp. 34-37. (14 pages) Cited by 61 patents

"Voice Mail/Cell Processing Product Roundup", Teleconnect Magazine, Robins, Apr. 1988, pp. 87-99, 101-106, 108-111, 113-114, 116-121.

"Dialing up Debtors", Inbound/Outbound Magazine, Sep. 1989, pp. 22-26, Heller.

"How to Teach your Computer to Take Orders", Inbound/Outbound Magazine, Sep. 1989, pp. 36-40, Ives.

"Information and Orders of the Touch of a Tone", Inbound/Outbound Magazine, Sep. 1989, pp. 42-47, Ives.

"Introducing VMXworks.TM., Powerful Applications Developments Tools for VMX System", VMX, Inc., Apr. 1990.

"Serving Customers with Automatic Speech Recognition --Human Factors Issues", Wootenberger et al., AT&T Technical Journal May/Jun. 1993, pp. 28-41.

"Automatic Dual Tone Modulation Deletion of E-Mail Messages", IBM Technical Disclosure Bulletin, vol. 36, No. 09B, Sep. 1993, pp. 461-462.

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