Transaction information processing system

• US 6,418,418 B1
• Filed: 12/13/1998
• Issued: 07/09/2002
• Est. Priority Date: 03/20/1998
• Status: Expired due to Fees

• Current Assignee: OKI Electric Industry Company Limited
• Original Assignee: OKI Electric Industry Company Limited
• Inventors: Nakamura, Masataka
• Primary Examiner(s): Downs, Robert W.
• Assistant Examiner(s): Kanof, Pedro R.
• Application Number:
  US09/224,796
• Time in Patent Office: 1,304 Days
• Field of Search: 705/39, 705/44, 705/26, 705/35, 705/42, 705/43
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G10L 15/26 Speech to text systems G10L15/08 takes precedence

Abstract

An information processing system for transactions by telephone of the present invention comprises a receiving terminal, operated by an operator, for inputting information from a customer taken over a telephone, storage means for storing information necessary in repeated transactions, and a voice recognition device having a voice recognition unit for recognizing specific vocabulary spoken by a customer or a voice response device having a push button signal recognition unit for confirming a push button signal generated by customer operations of push buttons of a telephone, wherein, for repeated transactions, a transaction name or transaction code arbitrarily designated by a customer at the time of a transaction beforehand or for the first time and information relating to this transaction name or transaction code are stored at a storage means in such a manner as to correspond with each other. In transactions thereafter, a transaction name designated by the customer over the telephone or a transaction code inputted using the push buttons is recognized by a voice recognition unit of the voice response device or by the push button signal recognition unit. Information relating to this transaction name or transaction code is then retrieved from the storage means, transferred to the receiving terminal, and is put in order as information necessary for the transaction.

Claims

1. An information processing system for processing transactions by telephone, comprising:

a receiving terminal, operated by an operator, which inputs customer information taken over a telephone;

means for arbitrarily designating, by the customer, a type of transaction; and

storage means for storing the customer information for use in repeated processings of the designated type of transaction;

wherein, for transactions carried out repeatedly, identifying information indicating the type of transaction designated by the customer at the time of transaction and information relating to the designated type of transaction are stored in said storage means in such a manner as to correspond with each other;

wherein in subsequent transactions, the customer confirms the arbitrarily designated type of transaction identifying information, and information relating to the designated type of transaction is retrieved from said storage means; and

wherein further, the retrieved information is transferred to said receiving terminal.

2. The information processing system for transactions by telephone of claim 1, wherein said means for arbitrarily designating a transaction includes a voice recognition device having a voice recognition unit that recognizes specific vocabulary spoken by a customer, wherein arbitrary voice spoken by the customer over a telephone at the time of a transaction is received as identifying information designating the type of transaction.

3. The information processing system for transactions by telephone of claim 1, further comprising a voice response device having a push button signal recognition unit that recognizes a push button signal generated by a customer pushing the buttons of a telephone, wherein, at the time of a transaction, a push button signal generated by the customer is received as identifying information designating the type of transaction.

4. The information processing system for transactions by telephone of claim 1, wherein the transaction is an electronic fund s transfer transaction.

5. The information processing system for transactions by telephone of claim 2, wherein the type of transaction is an electronic funds transfer transaction.

6. The information processing system for transactions by telephone of claim 3, wherein the type of transaction is an electronic funds transfer transaction.

7. The information processing system for transactions by telephone of claim 1, wherein the customer information includes customer identity information that is confirmed using a contractor number and code number inputted by the customer.

8. The information processing system for transactions by telephone of claim 2, wherein the customer information includes customer identity information that is confirmed using a contractor number and code number inputted by the customer.

9. The information processing system for transactions by telephone of claim 3, wherein the customer information includes customer identity information that is confirmed using a contractor number and code number inputted by the customer.

10. An information processing system for processing transactions by telephone, comprising:

means for arbitrarily designating, by the customer, a type of transaction and entering customer information; and

storage means for storing the customer information for use in repeated operations of the designated type of transaction,

wherein information relating to the designated type of transaction are stored in said storage means in such a manner as to correspond to the designated type of transaction,

wherein further for repeated operations of the designated type of transaction, the customer confirms information identifying the designated type of transaction, and the information relating to the designated type of transaction is retrieved from said storage means, and

wherein further, the retrieved information is transferred to said receiving terminal.