System And Method For Conducting Account Requests Over A Network Using Natural Language
First Claim
1. A method for conducting account requests with a financial institution accessible with a client device over a network, the method comprising:
- establishing an account with the financial institution;
accessing the account via the client device, the client device having a user interface, the interface including a natural language input;
inputting a request via the natural language input;
the inputting step causing network components to determine whether the request can be granted; and
receiving via the interface information respecting the request, the information including an indication of whether the request can be granted.
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Accused Products
Abstract
The invention is directed to a system and method for conducting account requests with a financial institution accessible with a client device over a network. An account is established with the financial institution and a user can access the account via the client device. The client device has a user interface that includes a natural language input. A request is input via the natural language input. The inputting step causes network components (e.g., server 42 and one or more software modules 50) to determine whether the request can be granted. Information respecting the request is transmitted to the user interface. The information includes an indication of whether the request can be granted. The inputting step can cause the network components to query a search engine. In this case the search engine returns search results respecting the request. The request can be generally selected from the group including: a request for historical account information, a request for market price data, a request for analysis information, a request for a purchase of a security, a request for a sale of a security, or a request for status information. The received information respecting the request can include a plurality of transaction choices, ones of which when selected cause the network components to execute steps in furtherance of the request. The received information respecting the request can also include a request for confirmation of the request. The system can access account information associated with the account and use at least a portion of the account information in connection with processing the request.
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Citations
29 Claims
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1. A method for conducting account requests with a financial institution accessible with a client device over a network, the method comprising:
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establishing an account with the financial institution; accessing the account via the client device, the client device having a user interface, the interface including a natural language input; inputting a request via the natural language input;
the inputting step causing network components to determine whether the request can be granted; andreceiving via the interface information respecting the request, the information including an indication of whether the request can be granted. - View Dependent Claims (2, 3, 4, 5, 6, 7, 14)
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8. A method for conducting account requests with a financial institution accessible with a client device over a network, the method comprising:
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establishing an account with the financial institution; accessing the account via the client device, the client device having a user interface, the interface including a natural language input; inputting a request via the natural language input parsing the request into tokens and identifying one of a plurality of functions associated with the request thereby determining whether the request can be granted; and performing at least one function associated with the request and returning via the interface information pertaining to the request, the information including an indication of whether the request can be granted. - View Dependent Claims (9, 10, 11, 12, 13)
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15. A method for processing account requests with a financial institution accessible with a client device via a network, the method comprising:
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maintaining a plurality of user accounts; providing to the client device a network interface including a natural language input; receiving from the network interface a natural language request; processing the natural language request and determining whether the request can be granted; returning to the client device via the network interface information indicating whether the request can be granted. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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22. A system for conducting account requests with a financial institution accessible with a client device over a network, the system comprising:
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a server that receives a natural language request from the client device, a natural language processor that parses the request into tokens and identifies one of a plurality of functions associated with the request thereby determining whether the request can be granted; and at least one application that performs at least one function associated with the request and returns to the client device information pertaining to the request to the, wherein the information includes an indication of whether the request can be granted. - View Dependent Claims (23, 24, 25, 26, 27, 28)
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29. A system for conducting account requests with a financial institution accessible with a client device over a network, the system comprising:
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means for receiving a natural language request from the client device, means for parsing the request into tokens and identifying one of a plurality of functions associated with the request thereby determining whether the request can be granted; and means for performing at least one function associated with the request and returning to the client device information pertaining to the request to the, wherein the information includes an indication of whether the request can be granted.
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Specification