Telephone interface call processing system with call selectivity

• US 6,434,223 B2
• Filed: 05/17/1999
• Issued: 08/13/2002
• Est. Priority Date: 07/10/1985
• Status: Expired due to Fees

• Current Assignee: Ronald A Katz Technology Licensing LP
• Original Assignee: Ronald A Katz Technology Licensing LP
• Inventors: Katz, Ronald A.
• Primary Examiner(s): WOO, STELLA L
• Application Number:
  US09/313,120
• Publication Number:
  US 20010012340A1
• Time in Patent Office: 1,184 Days
• Field of Search: 379/93.13, 379/88.01, 379/88.19, 379/88.2, 379/93.02, 379/93.03, 379/91.01, 379/91.02, 379/93.26
• US Class Current: 379/93.13
• CPC Class Codes: A63F 2003/086 played via telephone, e.g. using a modem
• CPC Class Codes: G07C 11/00 Arrangements, systems or apparatus for checking, e.g. the occurrence of a condition, not provided for elsewhere
• CPC Class Codes: G07C 15/005 with dispensing of lottery tickets
• CPC Class Codes: G07C 15/006 electronically
• CPC Class Codes: G07C 2011/04 related to queuing systems
• CPC Class Codes: H04M 11/00 Telephonic communication systems specially adapted for combination with other electrical systems
• CPC Class Codes: H04M 2201/40 using speech recognition
• CPC Class Codes: H04M 2203/2016 Call initiation by network rather than by subscriber
• CPC Class Codes: H04M 2242/22 Automatic class or number identification arrangements
• CPC Class Codes: H04M 3/36 Statistical metering, e.g. recording occasions when traffic exceeds capacity of trunks
• CPC Class Codes: H04M 3/38 Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections queuing arrangements H04Q3/64
• CPC Class Codes: H04M 3/42059 Making use of the calling party identifier
• CPC Class Codes: H04M 3/436 Arrangements for screening incoming calls , i.e. evaluating the characteristics of a call before deciding whether to answer it based on the calling party profile H04M3/42059; based on location H04M3/42348; based on presence H04M3/42365; diversion H04M3/54
• CPC Class Codes: H04M 3/46 Arrangements for calling a number of substations in a predetermined sequence until an answer is obtained
• CPC Class Codes: H04M 3/493 Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
• CPC Class Codes: H04M 3/51 Centralised call answering arrangements requiring operator intervention , e.g. call or contact centers for telemarketing
• CPC Class Codes: H04M 3/5166 in combination with interactive voice response systems or voice portals, e.g. as front-ends
• CPC Class Codes: H04Q 2213/13034 A/D conversion, code compression/expansion
• CPC Class Codes: H04Q 2213/13072 Sequence circuits for call signaling, ACD systems
• CPC Class Codes: H04Q 2213/1309 Apparatus individually associated with a subscriber line, line circuits
• CPC Class Codes: H04Q 2213/13091 : CLI, identification of calling line
• CPC Class Codes: H04Q 2213/13093 : Personal computer, PC
• CPC Class Codes: H04Q 2213/13095 : PIN / Access code, authentication
• CPC Class Codes: H04Q 2213/13096 : Digital apparatus individually associated with a subscriber line, digital line circuits
• CPC Class Codes: H04Q 2213/13097 : Numbering, addressing
• CPC Class Codes: H04Q 2213/13103 : Memory
• CPC Class Codes: H04Q 2213/13104 : Central control, computer control
• CPC Class Codes: H04Q 2213/13106 : Microprocessor, CPU
• CPC Class Codes: H04Q 2213/13107 : Control equipment for a part of the connection, distributed control, co-processing
• CPC Class Codes: H04Q 2213/13141 : Hunting for free outlet, circuit or channel
• CPC Class Codes: H04Q 2213/1316 : Service observation, testing
• CPC Class Codes: H04Q 2213/13164 : Traffic (registration, measurement,...)
• CPC Class Codes: H04Q 2213/13166 : Fault prevention
• CPC Class Codes: H04Q 2213/13167 : Redundant apparatus
• CPC Class Codes: H04Q 2213/13173 : Busy signals
• CPC Class Codes: H04Q 2213/13175 : Graphical user interface [GUI], WWW interface, visual indication
• CPC Class Codes: H04Q 2213/13178 : Control signals
• CPC Class Codes: H04Q 2213/13204 : Protocols
• CPC Class Codes: H04Q 2213/1322 : PBX
• CPC Class Codes: H04Q 2213/13256 : Call screening
• CPC Class Codes: H04Q 2213/1328 : Call transfer, e.g. in PBX
• CPC Class Codes: H04Q 2213/1332 : Logic circuits
• CPC Class Codes: H04Q 2213/13342 : Arrangement of switches in the network
• CPC Class Codes: H04Q 2213/13344 : Overflow
• CPC Class Codes: H04Q 2213/13349 : Network management
• CPC Class Codes: H04Q 2213/13352 : Self-routing networks, real-time routing
• CPC Class Codes: H04Q 2213/13353 : Routing table, map memory
• CPC Class Codes: H04Q 2213/1337 : Operator, emergency services
• CPC Class Codes: H04Q 2213/13375 : Electronic mail
• CPC Class Codes: H04Q 2213/13376 : Information service, downloading of information, 0800/0900 services
• CPC Class Codes: H04Q 2213/13377 : Recorded announcement
• CPC Class Codes: H04Q 2213/1338 : Inter-exchange connection
• CPC Class Codes: H04Q 3/002 : Details
• CPC Class Codes: H04Q 3/54533 : Configuration data, translation, passwords, databases
• CPC Class Codes: H04Q 3/5455 : Multi-processor, parallelism, distributed systems
• CPC Class Codes: H04Q 3/54591 : Supervision, e.g. fault localisation, traffic measurements, avoiding errors, failure recovery, monitoring, statistical analysis
• CPC Class Codes: H04Q 3/66 : Traffic distributors
• CPC Class Codes: H04Q 3/665 : Circuit arrangements therefor
• CPC Class Codes: H04Q 3/72 : Finding out and indicating number of calling subscriber
• CPC Class Codes: H04Q 3/74 : Identification of subscriber calling from a party-line

Abstract

For use with a public telephone network CO incorporating a vast number of terminals Ti-Tn, a system CS limits and controls interface access to implement voice-digital communication for statistical processing. The system CS accommodates calls in different modes, e.g. “800”, “900” or area code and incorporates qualifying apparatus to restrict against caller misuse. Alternative calling modes are used to reach an interface facility that also affords some control based on calling terminal identification, e.g. as by ANI equipment.

Claims

1. A telephone call processing system for receiving calls through a telephone communication facility from a multitude of terminals for processing in a select interface format wherein callers are cued by voice signals supplied to said multitude of terminals and respond with digital signals, as by actuating push to said multitude of terminals and respond with digital signals, as by actuating push buttons at said multitude of terminals, said system receiving from the telephone communication systems digital signals indicative of DIS, said telephone call processing system comprising:

means for selectively receiving calls from said multitude of terminals in a plurality of call modes to establish telephone communication with a select subset of callers utilizing calling number identification signals automatically provided by the telephone communication facility, said select interface format selected by said digital signals indicative of DNIS;

means for receiving identification signals for said callers of said select subset;

means for individually cuing said callers of said select subset to provide digital signals that are entered by the callers, wherein at least certain of the cues and their responsive digital signals are a part of common processing operations to isolate a sub-subset of said callers; and

means for storing identification signals for said callers of said sub-subset.

2. A telephone call processing system according to claim 1, further comprising.

a random number generator utilized during the common processing operations for isolating said sub-subset of said callers.

3. A telephone call processing system for receiving calls through a telephone communication facility from a multitude of terminals for processing in a select interface format wherein callers are cued by voice signals supplied to said multitude of terminals and respond with digital signals, as by actuating push buttons at said multitude of terminals, said telephone call processing system comprising:

means for receiving calls from said multitude of terminals in at least two or more call modes and establishing telephone communication to select a subset of callers based upon online responses provided by said select subset of callers to questions provided via a voice generator of the telephone call processing system, said means for receiving calls receiving and utilizing automatic number identification signals associated with a calling terminal automatically provided by the telephone communication facility;

means for providing identification signals entered by said callers of said select subset; and

means for processing data relating to said callers of said select subset in accordance with common processing operations for calls received in the two or more call modes to isolate a sub-subset of said callers.

4. A telephone call processing system according to claim 3, further comprising:

a random number generator utilized during the common processing operations for isolating said sub-subset of said callers.

5. A telephone call processing system for receiving calls through a telephone communication facility from a multitude of terminals for processing in a select interface format wherein callers are cued by synthesized voice signals supplied to said multitude of terminals and respond with digital signals, as by actuating push buttons at said multitude of terminals, said telephone call processing system comprising:

means for selectively receiving calls from said multitude of terminals to establish telephone communication with a select subset of callers, said means for selectively receiving calls comprising means for receiving calls in a plurality of call modes including a toll free calling mode and a caller charge calling mode or an area code mode;

means for providing identification signals entered by said callers of said select subset;

means for individually cueing said callers of said select subset to prompt digital signals, wherein at least certain of the cues and their responsive digital signals are a part of common processing operations for the plurality of call modes to isolate a sub-subset of said callers; and

means for storing identification signals for said callers of said sub-subset.

6. A telephone call processing system for receiving calls through a telephone communication facility from a multitude of terminals for processing in an interface format wherein callers are cued by synthesized voice signals supplied to said multitude of terminals and respond with digital signals, as by actuating push buttons at said multitude of terminals, said telephone call processing system comprising:

means for receiving calls from said multitude of terminals and establishing telephone communication to select a subset of callers based upon online responses provided by said select subset of callers to questions provided by a voice generator of the telephone call processing system, said means for receiving calls comprising means for receiving calls in a plurality of call modes including an “

800”

toll free calling mode and a caller charge calling mode or an area code mode;

means for receiving identification signals entered by said callers of said select subset; and

means for processing data relating to said callers of said select subset in accordance with common operations for the plurality of call modes to isolate a sub-subset of said callers.

7. A process for receiving calls through a telephonic communication facility from a multitude of terminals in different call modes including a toll free call mode and an area code call mode and processing the calls in accordance with respective interface formats for the different call modes, wherein the process involves digital signals including digital signals provided by the multitude of terminals as for identification or data, comprising the steps of:

receiving calls in the toll free call mode and providing an interface format associated with the toll free call mode;

providing an identification number to facilitate participation via the toll free call mode;

verifying the participation number for approval

receiving calls in the area code mode and providing another interface format associated with the area code mode;

providing preliminary automated greetings specific to respective interface formats associated with the toll free call mode and the area code mode, prior to execution of at least certain common operations of the interface formats; and

concurrently processing the verified calls received in the toll free call mode and the calls received in the area code mode in accordance with at least certain common operations of the interface formats associated with the toll free and the area code call modes.

8. A process for receiving calls according to claim 7, wherein a data bank relating to a caller is accessed to reference data on a caller.

9. A process for receiving calls according to claim 7, wherein the respective interactive interface formats are associated with an information service.

10. A process for receiving calls according to claim 7, further comprising the steps of:

prompting callers calling from the multitude of terminals in the different call modes with multiple questions; and

further receiving responses from the callers in the form of digital data developed by the multitude of terminals.

11. A process for receiving calls according to claim 10, further comprising the step of:

isolating a subset of callers based on the responses received from the callers.

12. A process for receiving calls according to claim 7, further comprising the steps of:

receiving the identification number in the form of a caller pin-number as digital signals provided by the multitude of terminals for identification; and

wherein the verifying step includes testing to determine if the caller pin-number is eligible to participate.

13. A process for receiving calls according to claim 7, wherein the caller identification number is tested based on limited use.

14. A telephone call processing system according to claim 7, wherein the toll free call mode is an “

800”

call mode.

15. A process for receiving calls according to claim 7, further comprising the steps of:

prompting callers calling from the multitude of terminals in the different call modes with multiple questions; and

further receiving responses from the callers in the form of digital data developed by the multitude of terminals to isolate a subset of callers.

16. A process according to claim 7, further comprising the step of:

receiving called number identification signals (DNIS) automatically provided by the telephonic communication facility at least for the calls in the toll free call mode and selecting the respective interface format under control of the called number identification signals (DNIS).

17. A process according to claim 16, further comprising the Step of:

testing the identification number to control for previous use under control of the called number identification signal.

18. A process according to claim 16, further comprising the step of:

testing the identification number to control for limited use based on a limited period of time under control of the called number identification signals.

19. A process according to 7, further comprising the step of:

receiving calling number identification data automatically by the telephonic communication facility.

20. A process according to claim 19, further comprising the step of:

controlling certain of the operations of at least one of the formats under control of at least certain of the calling number identification signals.

21. A process for receiving calls through a communication facility from a multitude of terminals in an 800 call mode for processing data in accordance with an identified one of a plurality of interface formats and involving digital signals including digital signals provided by the multitude of terminals for identification or data, the process comprising the steps of:

receiving calls in the 800 call mode wherein digital signals indicative of at least a first called number (DNIS) identify a first interface format;

receiving calls in the 800 call mode wherein digital signals indicative of a second distinct called number (DNIS) identify a second interface format;

receiving calling number identification signals automatically provided by the communication facility to indicate calling terminal numbers for certain of the multitude of terminals to verify on-line the calls received for at least one of the two distinct called numbers to provide verified calls;

processing calls received in the 800 call mode for the two distinct called numbers in accordance with preliminary operations of the first and second interface formats, wherein the preliminary operations compromise;

providing a distinct automated greeting under control of the digital signals (DNIS) to callers calling at least one of the two distinct called numbers associated with the first and second formats in the 800 call mode; and

coupling the calls received in the 800 call mode for the two distinct called numbers wherein at least certain calls are verified calls for concurrent processing in accordance with common operations of the first and second interface formats.

22. A telephone call processing system according to claim 21, wherein the means for processing processes data provided by callers to update a databank relating to the callers.

23. A telephone call processing system according to claim 21, wherein the first response unit and the second response unit are incorporated within a single composite unit.

24. A process according to claim 21, further comprising the step of receiving caller data provided via the multitude of terminals and wherein verification of the calls received in the 800 call mode for at least one of the two distinct called numbers is based upon a test of the caller provided data based upon limited use.

25. A process according to claim 24, wherein the limited use is a one-time only use.

26. A process according to claim, 24, wherein the caller provided data includes digital signals indicative of a personal identification number.

27. A process according to claim 24, wherein the limited use limits use by callers during a single period of time.

28. A process according to claim 24, wherein the caller provided data includes caller pin-number data, which is subject to limited use.

29. A process according to claim 24, further comprising the step of:

storing the caller provided data or the calling number identification signals and restricting the extent of access to the identified one of the plurality of interface formats based on at least one of caller provided data or calling number identification data.

30. A process according to claim 24, wherein the caller data provided is used to update data for the callers in a data bank relating to the callers.

31. A process according to claim 21, further including memory means for storing the digital signal.

32. A process according to claim 21, further comprising the step of:

providing at least one voice prompt to solicit a response in the form of data entered interactively by the callers calling one of the two distinct called numbers associated with the 800 call mode.

33. A process according to claim 32, wherein at least certain of the data entered interactively is stored.

34. A process according to claim 33, wherein the step of providing at least one voice prompt is initiated upon receiving calling terminal numbers associated with at least certain terminals.

35. A process according to claim 21, wherein the calling number identification signals associated with at least certain terminals are used to access a data bank relating to calls from the terminals.

36. A process according to claim 35, wherein the data bank is updated with data relating to the calling number identification signals.

37. A process according to claim 21, wherein the step of verifying includes the step of tallying calls placed to at least one called number in the 800 call mode up to a predetermined limit.

38. A process according to claim 21, wherein the calling number identification signals are tested based on limited use.

39. A process according to claim 21, wherein at least one of the plurality of interface formats is an on-line processing format in real-time.

40. A process according to claim 21, wherein tic process includes multiple comparative processing operations at least a part of which occur during the common operations.

41. A process according to claim 21, wherein the step of concurrent processing of calls includes the step of processing to isolate a subset of callers.

42. A process according to claim 21, wherein at least one of the processing of interface formats is an information format.

43. A process according to claim 42, wherein the information format is a financial information format.

44. A process according to claim 43, wherein the financial information format includes provision of data on stocks and bonds.

45. A process according to claim 21, further comprising:

receiving data provided by the caller via the terminals; and

testing the caller provided data against stored data to determine approval for the caller.

46. A process according to claim 45, wherein there is further testing of the caller provided data against a record of previous use.

47. A process according to claim 45, wherein the testing step utilizes a coincidence detector and storage unit.

48. A process according to claim 21, wherein both the first and second interface formats for the first and second 800 call modes are financial information formats.

49. A process according to claim 21, further comprising the step of:

receiving and utilizing caller provided identification data or utilizing the calling number identifications signals to determine an appropriate cue for a caller.

50. A process according to claim 49, wherein the appropriate cue for a caller is determined by avoiding a cue previously provided to a caller.

51. A telephone call processing system for receiving calls through a telephonic communication facility from a multitude of terminals in a toll free call mode for processing data in accordance with distinct operating process formats and involving digital signals including called number identification signals (DNIS) automatically provided by the telephonic communication facility, the system comprising:

first response unit for receiving calls in the toll free call mode wherein the called number identification signals (DNIS) indicative of at least one of a plurality of distinct called numbers identifies one of the operating process formats;

voice generator means for prompting callers to enter data in response to at least one voice prompt wherein the data entered by the callers is used to update data for the callers in a database relating to the callers;

verification means for verifying at least the calls utilizing the one of the plurality of distinct called numbers in the toll free call mode received by the first response unit to provide verified calls based upon verifying caller entered identification data including caller personal identification data;

second response unit means for receiving calls in the toll free call mode wherein called number identification signals (DNIS) indicative of one other of the plurality of distinct called numbers identifies a different one of the operating process formats;

means for concurrently processing calls received by the first response unit means and the calls received by the second response unit for concurrent processing of data in accordance with at least certain common operations of the operating process formats; and

audio control unit for providing an automated greeting, prior to execution of the certain common operations, under the control of the called number identification signals (DNIS) to callers calling at least one of the distinct called numbers whereby the automated greeting is specific to the one of the plurality of distinct numbers.

52. A telephone call processing system according to claim 51, wherein the verification means verifies the calls in the toll free call mode base upon a test of caller entered identification data based upon limited use.

53. A telephone call processing system according to claim 52, wherein the limited use is a one-time only use.

54. A telephone call processing system according to claim 52, wherein the limited use limits use by callers during a single period of time.

55. A telephone call processing system according to claim 51, wherein the caller pin-number data is subject to limited use.

56. A telephone call processing system according to claim 51, wherein digital signals representing calling terminal numbers associated with at least certain terminals are automatically provided by the telephonic communication facility.

57. A telephone call processing system according to claim 56, further including memory means for storing the digital signals.

58. A telephone call processing system according to claim 56, wherein the verification means tests the digital signals representing calling terminal numbers associated with at least certain of the multitude terminals that are automatically provided from the telephonic communication facility.

59. A telephone call processing system according to claim 51, further including memory means for storing data and control means for restricting the extent of access to a select operating process format based on at least one of caller entered data or calling terminal data automatically provided by the telephonic communication facility.

60. A telephone call processing system according to claim 51, wherein the voice generator means prompts responses to at least one voice prompt in the form of data interactively provided by the callers calling at least one of the distinct called numbers.

61. A telephone call processing system according to claim 60, wherein at least one of the responses is stored.

62. A telephone call processing system according to claim 60, wherein the voice generator means prompts responses to at least one question upon receiving calling terminal numbers associated with the multitude of terminals that are automatically provided by the telephonic communication facility.

63. A telephone call processing system according to claim 51, wherein digital signals representing calling terminal numbers associated with at least certain terminals are automatically provided by the telephonic communication facility and are used t access a data bank relating to calls from the terminals.

64. A telephone call processing system according to claim 63, wherein the data bank is updated with data relating to the calling terminal numbers.

65. A telephone call processing system according to claim 51, wherein the verification means tallies calls placed to at least one of the toll free call mode distinct numbers up to a predetermined limit.

66. A telephone call processing system according to claim 51, wherein the data entered by the callers is used to update data for the callers in a data bank relating to the callers.

67. A telephone call processing system according to claim 51, wherein at least one of the distinct operating process formats is an on-line processing format in real-time.

68. A telephone call processing system according to claim 51, wherein the means for concurrently processing calls utilizes at least certain of multiple comparative processing operations as part of the common operations.

69. A telephone call processing system according to claim 51, wherein the means for concurrently processing calls, isolates a subset of callers.

70. A telephone call processing system according to claim 51, wherein at least one of the distinct operating process formats is a form of financial information format.

71. A telephone call processing system according to claim 70, wherein the financial information format includes provision of data on stocks and bonds.

72. A system according to claim 51, wherein the verification means tests the digital signals representing calling number identification signals associated with at least certain of the multitude of terminals for limited use.

73. A system according to claim 72, wherein the caller entered data is tested against stored data for approval.

74. A system according to claim 72, wherein there is testing of the caller entered data against a record of previous use.

75. A system according to claim 74, wherein the testing utilizes a coincidence detector and storage unit.

76. A system according to claim 51, wherein both the interface operating formats for the first response unit and the second response unit are financial information formats.

77. A system according to claim 51, wherein the means for concurrently processing together with the voice generator means utilizes caller entered identification data or calling number identification signals to determine an appropriate cue for a caller.

78. A system according to claim 77, wherein the appropriate cue is determined to avoid a cue previously provided to a caller.

79. A system according to claim 51, further comprising:

a third response unit for receiving calls in an area code mode.

80. A process for receiving calls through a communication facility from a multitude of terminals in an 800 call mode for processing data in accordance with an identified one of a plurality of interface formats and involving digital signals including digital signals provided by the multitude of terminals for identification or data, the process comprising the steps of:

receiving calls in the 800 call mode wherein digital signals indicative of at least a first called number (DNIS) identify a first interface format;

receiving calls in the 800 call mode wherein digital signals indicative of a second distinct called number (DNIS) identify a second interface format;

processing calls received in the 800 call mode for the two distinct called numbers in accordance with preliminary operations of the first and second interface formats, wherein the preliminary operations comprise at least the step of;

providing a distinct automated greeting voice prompt to callers calling at least one of the two distinct called numbers associated with the first and second formats in the 800 call mode;

receiving caller provided data entered by the callers and testing the caller entered data to verify on-line the calls received for at least one of the two distinct called numbers to provide verified calls; and

coupling the calls received in the 800 call mode for the two distinct called numbers wherein at least certain calls are verified calls for concurrent processing in accordance with at least certain common operations of the first and second interface formats.

81. A process according, to claim 80, further comprising the step of:

receiving caller data provided via the terminals and wherein verification of the calls received in the 800 call mode for at least one of the two distinct called numbers is based upon a test of the caller provided data based upon limited use.

82. A process according to claim 81, wherein the limited use is one-time only use.

83. A process according to claim 81, wherein the caller provided data includes digital signals indicative a personal identification number.

84. A process according to claim 81, wherein the limited use limits use by callers during a single period of time.

85. A process according, to claim 81, wherein the caller provided data includes caller pin-number data, which is subject to limited use.

86. A process according to claim 80, further comprising the step of:

receiving digital signals representing calling number identification signals associated with at least certain terminals that are tested.

87. A process according to claim 86, further comprising the step of:

storing the caller provided data or the calling number identification signals and restricting the extent of access to at least one of the first or second formats based on at least one of caller provided data or calling number identification data.

88. A process according to claim 87, wherein at least one of the plurality of interface formats is an information format.

89. A process according to claim 88, wherein the information format is a financial information format.

90. A process according to claim 89, wherein the financial information format includes provision of data on stocks and bonds.

91. A process according to claim 80, further comprising the step of:

providing at least one voice prompt to solicit a response in the form of data entered interactively by the callers calling at least one of two distinct called numbers associated with the 800 call mode.

92. A process according to claim 91, wherein at least certain of the data entered interactively is stored.

93. A process according to claim 91, wherein the step of providing at least one voice prompt is initiated upon receiving calling terminal numbers associated with at least certain terminals.

94. A process according to claim 80, wherein calling number identification signals associated with certain terminals are received and used to access a data bank relating to calls from the certain terminals.

95. A process according to claim 94, wherein the data bank is updated with data relating to the calling number identification signals.

96. A process according to claim 80, wherein the testing step includes the step of tallying calls placed to at least one number of the toll free call mode up to a predetermined limit.

97. A process according to claim 80, wherein the caller provided data is used to update data for the callers in a data bank relating to the callers.

98. A process according to claim 80, wherein the calling number identification signals are tested based on limited use.

99. A process according to claim 80, wherein at least one of the plurality of interface formats is an on-line processing format in real-time.

100. A process according to claim 80, wherein the process includes multiple comparative processing operations at least a process of which occur during the common operations.

101. A process according to claim 80, wherein the step of concurrent further processing of calls includes the step of processing to isolate a subset of callers.

102. A process according to claim 80, wherein the caller provided data is tested against stored data to determine approval for a caller.

103. A process according to claim 102, wherein there is testing of the caller provided data against a record of previous use.

104. A process according to claim 102, wherein the testing step utilizes a coincidence detector and storage unit.

105. A process according to claim 80, wherein both the first and second interface formats for the first and second 800 call modes are financial information formats.

106. A process according to claim 80, further comprising the step of

utilizing caller entered identification data or calling number identifications signals to determine an appropriate cue for a caller.

107. A process according to claim 106, wherein the appropriate cue for a caller is determined by avoiding a cue previously provided to a caller.