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 network, the operations comprising:
- transmitting a message over the telephone network to the customer concerning remediating 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;
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;
receiving a request from the customer to perform the settlement option; and
performing the settlement option responsive to receiving the request.
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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).
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Citations
32 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 network, the operations comprising:
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transmitting a message over the telephone network to the customer concerning remediating 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; 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; receiving a request from the customer to perform the settlement option; and performing the settlement option responsive to receiving the request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for processing a message transmitted over a telephone network, comprising:
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transmitting, using an automated communication system comprising a non-transitory computer-readable storage medium having machine instructions stored therein, the instructions being executable by a processor, the message over the telephone network to an account holder of a banking institution in response to the account holder having at least a first account with an adverse account status, the message comprising a prompt asking if the account holder would like to resolve the adverse account status; authenticating a person who responds to the message as the account holder; determining an amount of funds in a second account held by the account holder; 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; receiving a request from the account holder to perform the funds transfer; and performing the funds transfer responsive to receiving the request. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. 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 comprising; automated communication logic adapted to transmit a message over a telephone network to a customer of the banking institution, the automated communication logic configured to select the customer for communication 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; 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; receive a request from the customer to perform the settlement option; and perform the settlement option responsive to receiving the request. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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Specification