Pre-authentication system and method for outgoing communication
First Claim
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1. A non-transitory computer-readable storage medium having machine instructions stored therein, the instructions being executable by a processor to cause the processor to perform operations for communicating with a customer via a telephone call, the operations comprising:
- initiating a telephone call to the customer to remediate an adverse account condition of a first account held by the customer;
determining an amount of funds in a second account held by the customer; and
generating a settlement option to transfer funds from the second account, based on the determining that the second account has sufficient funds, to remediate the adverse account condition of the first account.
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Accused Products
Abstract
An automated calling system authenticates and subsequently communicates via a telephone network with a person such as a current or prospective customer. The communication may be in regards to an account having an adverse account status (e.g. a payment delinquency, an overdrawn checking account, being over the credit limit on a credit card, excessive transactions on one account, suspicious or fraudulent transactions on an account, and so on).
27 Citations
20 Claims
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1. A non-transitory computer-readable storage medium having machine instructions stored therein, the instructions being executable by a processor to cause the processor to perform operations for communicating with a customer via a telephone call, the operations comprising:
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initiating a telephone call to the customer to remediate an adverse account condition of a first account held by the customer; determining an amount of funds in a second account held by the customer; and generating a settlement option to transfer funds from the second account, based on the determining that the second account has sufficient funds, to remediate the adverse account condition of the first account. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for processing a telephone call, comprising:
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initiating, using an automated calling system comprising a non-transitory computer-readable storage medium having machine instructions stored therein, the instructions being executable by a processor, the telephone call to an account holder of a banking institution in response to the account holder having at least one account with an adverse account status; determining, by the automated calling system, whether the telephone call has been answered by a live voice or an answering machine; transferring, by the automated calling system, the telephone call to a banking institution live agent in a case where a live voice was detected, and upon a successful authentication, determining an amount of funds in a second account held by the customer and generating a settlement option to transfer funds from the second account, based on the determining that the second account has sufficient funds, to remediate the adverse account condition of the first account. - View Dependent Claims (8, 9, 10, 11, 12, 13)
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14. A computer-implemented system for communicating with a banking institution customer comprising:
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a processor; a memory device coupled to the processor, the memory device storing instructions executable by the processor, the instructions including; automated calling logic adapted to telephone call a customer of the banking institution, the automated calling logic configured to select the customer to call based on the customer having an adverse account condition of a first account; and account management logic configured to determine an amount of funds in a second account held by the customer and generate a settlement option to transfer funds from the second account, based on the determining that the second account has sufficient funds to remediate the adverse account condition of the first account. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification