Automated multilingual interactive system and method to perform financial transactions
First Claim
1. A method for performing financial transactions involving a customer who resides in a home country in which a first language is spoken and is a customer of a financial institution and a first representative of said financial institution who works in a second country and who speaks a second language, the method comprising the steps of:
- initiating said financial transaction by said first representative contacting a processing system and inputting first data corresponding to said first representative'"'"'s identification;
validating said first representative'"'"'s identification;
prompting said customer to identify said first language by said processing system prompting said customer in different languages including said first language;
identifying said first language as a result of said customer'"'"'s response to said prompts;
using said first language to prompt said customer to identify said customer'"'"'s home country by said processing system prompting with different countries which use said first language including said home country;
identifying said customer'"'"'s home country as a result of said customer'"'"'s response to said prompts;
identifying and contacting a second representative affiliated with said financial institution and which speaks said first language and which has access to said customer'"'"'s financial records and accounts in said financial institution via a communication between said processing system and said second representative;
validating the identification of said second representative;
connecting said customer and said second representative via said processing system;
discussing said financial transaction between said customer and said second representative in said first language via said connection;
determining whether said financial transaction is acceptable to said financial institution by said second representative accessing financial records of said customer;
authorizing said financial transaction by said second representative as a result of said second representative accessing said financial records of said customer and communicating the authorization to said processing system;
informing said first representative of said authorization; and
consummating said authorized financial transaction between said first representative and said customer.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for allowing telephone-based interactive performance of financial transactions in multiple languages. The system prompts the customer of a financial institution in various languages until the customer'"'"'s language and home country are identified. The system then connects the customer telephonically with a representative who speaks the customer'"'"'s language and who can authorize the transaction by accessing the customer'"'"'s records. Authorization by the local representative and record keeping are also provided.
164 Citations
48 Claims
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1. A method for performing financial transactions involving a customer who resides in a home country in which a first language is spoken and is a customer of a financial institution and a first representative of said financial institution who works in a second country and who speaks a second language, the method comprising the steps of:
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initiating said financial transaction by said first representative contacting a processing system and inputting first data corresponding to said first representative'"'"'s identification; validating said first representative'"'"'s identification; prompting said customer to identify said first language by said processing system prompting said customer in different languages including said first language; identifying said first language as a result of said customer'"'"'s response to said prompts; using said first language to prompt said customer to identify said customer'"'"'s home country by said processing system prompting with different countries which use said first language including said home country; identifying said customer'"'"'s home country as a result of said customer'"'"'s response to said prompts; identifying and contacting a second representative affiliated with said financial institution and which speaks said first language and which has access to said customer'"'"'s financial records and accounts in said financial institution via a communication between said processing system and said second representative; validating the identification of said second representative; connecting said customer and said second representative via said processing system; discussing said financial transaction between said customer and said second representative in said first language via said connection; determining whether said financial transaction is acceptable to said financial institution by said second representative accessing financial records of said customer; authorizing said financial transaction by said second representative as a result of said second representative accessing said financial records of said customer and communicating the authorization to said processing system; informing said first representative of said authorization; and consummating said authorized financial transaction between said first representative and said customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. In a system for performing financial transactions comprising a customer who resides in a home country in which a first language is spoken and is a customer of a financial institution and a first representative of said financial institution who works in a second country and who speaks a second language wherein:
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said first representative initiates said financial transaction by contacting a processing system and inputs first data corresponding to the identification of said first representative; said processing system validates said first representative'"'"'s identification; said processing system prompts said customer to identify said first language by said processing system prompting said customer in different languages including said first language; said processing system identifies said first language as a result of said customer'"'"'s response to said prompts; said processing system uses said first language to prompt said customer to identify said customer'"'"'s home country by said processing system prompting said customer with different countries which use said first language including said home country; said processing system identifies said home country in response to said customer'"'"'s response to said prompts; said processing system identifies and contacts a second representative affiliated with said financial institution and which speaks said first language and which has access to said customer'"'"'s financial records and accounts in said financial institution via a communication between said processing system and said second representative; said processing system validates the identification of said second representative; said processing system connects said customer and said second representative via said processing system; said customer and said second representative discuss said financial transaction in said first language; said second representative authorizes said financial transaction as a result of said second representative accessing said financial records of said customer; said processing system informs said first representative of said authorization; and said customer and said first representative consummate said financial transaction. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48)
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Specification