Interactive video communication in real time
First Claim
Patent Images
1. A system for providing personal financial services utilizing real time video conferencing between a consumer and a service provider, or multiple service providers, at a location, or at multiple locations, remote from the consumer, comprising:
- a call distributor mechanism, which is transport and hardware/computer platform independent, for receiving calls from the consumer and for responding to calls based upon semantics communicated by the consumer and received and interpreted by the call distributor wherein calls from a consumer are routed based upon expertise of the service provider and wherein a call from a consumer is configured to route to a first qualified service provider and then to a second qualified service provider, if necessary;
a mechanism wherein the call distributor procures and stores information from call semantics for performance of statistical analyses;
one or more consumer access stations, each access station comprising an image generating device, and an image receiving device, by which the consumer can access the call distributor and request a video conversation with the service provider; and
one or more service provider stations, each having an image generating device, and image receiving device and a mechanism for receiving a signal from the call distributor that comprises information regarding the type of transaction.
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Abstract
The present invention includes a system for providing personal financial services utilizing video conferencing between a consumer and a services provider at a location remote from the consumer. The system comprises a call distributor mechanism for receiving requests from the consumer and for responding to requests based upon semantics communicated by the consumer.
51 Citations
36 Claims
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1. A system for providing personal financial services utilizing real time video conferencing between a consumer and a service provider, or multiple service providers, at a location, or at multiple locations, remote from the consumer, comprising:
- a call distributor mechanism, which is transport and hardware/computer platform independent, for receiving calls from the consumer and for responding to calls based upon semantics communicated by the consumer and received and interpreted by the call distributor wherein calls from a consumer are routed based upon expertise of the service provider and wherein a call from a consumer is configured to route to a first qualified service provider and then to a second qualified service provider, if necessary;
a mechanism wherein the call distributor procures and stores information from call semantics for performance of statistical analyses;
one or more consumer access stations, each access station comprising an image generating device, and an image receiving device, by which the consumer can access the call distributor and request a video conversation with the service provider; and
one or more service provider stations, each having an image generating device, and image receiving device and a mechanism for receiving a signal from the call distributor that comprises information regarding the type of transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
- a call distributor mechanism, which is transport and hardware/computer platform independent, for receiving calls from the consumer and for responding to calls based upon semantics communicated by the consumer and received and interpreted by the call distributor wherein calls from a consumer are routed based upon expertise of the service provider and wherein a call from a consumer is configured to route to a first qualified service provider and then to a second qualified service provider, if necessary;
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14. A process for providing personal financial services utilizing real time video conferencing between a consumer and a qualified service provider, or multiple service providers, at a location, or at multiple locations, remote from the consumer, comprising:
- providing a call distributor mechanism, which is transport and hardware/computer platform independent, for receiving requests from the consumer and for responding to requests based upon semantics communicated by the consumer and received and interpreted by the call distributor wherein the call distributor procures and stores information from call semantics for performance of statistical analyses;
providing one or more consumer access stations, each access station comprising an image generating device and an image receiving device by which the consumer can access the call distributor and request a video conversation with a qualified service provider; and
directing a call received from the consumer to the qualified service provider based upon semantics received and interpreted by the call distributor wherein a call from a consumer is routed based upon expertise of the service provider and wherein the call is configured to route to a first qualified service provider and then to a second qualified service provider, if necessary. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
- providing a call distributor mechanism, which is transport and hardware/computer platform independent, for receiving requests from the consumer and for responding to requests based upon semantics communicated by the consumer and received and interpreted by the call distributor wherein the call distributor procures and stores information from call semantics for performance of statistical analyses;
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28. A machine readable medium comprising machine readable instructions for causing a call distributor to perform a method of routing a call, which is transport and hardware/computer platform independent, comprising:
- an instruction for categorizing the call based upon semantics of the call;
an instruction for routing the categorized call comprising configuring a call from a consumer to route to a first qualified service provider and then to a second qualified service provider, if necessary and further comprising routing calls from the consumer based upon expertise of the service provider; and
an instruction wherein the call distributor procures and stores information from call semantics for performance of statistical analyses. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35, 36)
- an instruction for categorizing the call based upon semantics of the call;
Specification