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Pre-authentication system and method for outgoing communication

  • US 9,756,182 B1
  • Filed: 03/03/2017
  • Issued: 09/05/2017
  • Est. Priority Date: 04/24/2009
  • Status: Active Grant
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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