Speech recognition system for interactively gathering and storing verbal information to generate documents

• US 6,738,740 B1
• Filed: 04/06/2001
• Issued: 05/18/2004
• Est. Priority Date: 05/31/2000
• Status: Expired due to Term

• Current Assignee: RPX Corporation
• Original Assignee: Voice Tech Systems, LLC
• Inventors: Barash, Kenneth
• Primary Examiner(s): Dorvil, Richemond
• Assistant Examiner(s): Storm, Donald L.
• Application Number:
  US09/828,087
• Publication Number:
  US 20010037199A1
• Time in Patent Office: 1,138 Days
• Field of Search: 704/235, 704/270.1, 705/38, 379/88.18
• US Class Current: 704/235
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G10L 15/26 Speech to text systems G10L15/08 takes precedence

Abstract

A voice recognition system and method for interactively gathering information to generate a document, form, or application. An applicant using a remote device to establish a voice connection with the system over a communication network provides verbal responses to a plurality of verbal questions generated by the system. The system stores and converts the verbal responses to a textual document, such as a form or application.

Claims

1. A voice recognition system for interactively gathering information from a plurality of users over a communications network, comprising:

a remote device for establishing a voice connection with said system over the communications network;

a processor for generating and transmitting a plurality of verbal questions interactively to a user associated with said remote device to complete a textual document; and

a storage device for storing user'"'"'s verbal responses to said plurality of questions to provide a verbal document; and

wherein said processor converts said verbal document into said textual document;

wherein said storage device is operable to store an incomplete verbal document; and

wherein said processor generates and transmits remaining unanswered questions to said user in order to complete said verbal document.

2. The system of claim 1, wherein said processor is operable to translate said verbal document in one language into said textual document in another language.

3. The system of claim 1, wherein said processor is operable to generate one or more supporting documents in accordance with said verbal document.

4. The system of claim 1, wherein said textual document is a credit investigation document;

and wherein said processor is operable to generate supporting documents for said credit investigation document.

5. The system of claim 4 wherein said processor is operable to transmit said credit investigation document and said supporting documents to a third party for underwriting.

6. The system of claim 4, wherein said processor is operable to transmit said credit investigation document and said supporting documents to a third party for credit approval.

7. The system of claim 4 wherein said processor is operable to transmit said credit investigation document and said supporting documents to a plurality of third parties to bid on the underwriting, and notifying a third party with the best bid and said user associated with said remote device of said third party with the best bid.

8. The system of claim 1, further comprising a device for transmitting said textual document to said user for confirmation or execution.

9. The system of claim 1, wherein said textual document is an application or form.

10. The system of claim 1, wherein said network being one of the following:

telephone network, wireless network, satellite network, cable network, and Internet.

11. A voice recognition system for interactively gathering information from a plurality of users over a communications network, comprising:

a remote device for establishing a voice connection with said system over the communications network;

a processor for generating and transmitting a plurality of verbal questions interactively to a user associated with said remote device to complete a textual document; and

a storage device for storing user'"'"'s verbal responses to said plurality of questions to provide a verbal document; and

wherein said processor converts said verbal document into said textual document; and

wherein said processor is operable to transmit a portion of said textual document to a third party for verification or confirmation.

12. The system of claim 11, wherein said textual document is a credit investigation document;

and wherein said processor is operable to generate supporting documents for said credit investigation document.

13. The system of claim 12 wherein said processor is operable to transmit said credit investigation document and said supporting documents to a third party for underwriting.

14. The system of claim 12 wherein said processor is operable to transmit said credit investigation document and said supporting documents to a third party for credit approval.

15. The system of claim 12 wherein said processor is operable to transmit said credit investigation document and said supporting documents to a plurality of third parties to bid on the underwriting, and notifying a third party with the best bid and said user associated with said remote device of said third party with the best bid.

16. The method of interactively gathering information from a plurality of users over a communications network using a voice recognition system, comprising the steps of:

establishing a voice connection with said system over the communications network by a user;

generating and transmitting a plurality of verbal questions interactively to said user to complete a textual document;

storing user'"'"'s verbal responses to said plurality of questions to provide a verbal document;

generating and transmitting unanswered questions to said user in order to complete said verbal document if it is determined that an incomplete verbal document has been stored; and

converting said verbal document into said textual document.

17. The method of claim 16, wherein said textual document is a credit investigation document;

and further comprising the step of generating supporting documents for said credit investigation document.

18. The method of claim 17, further comprising the step of transmitting said credit investigation document and said supporting documents to a third party for underwriting.

19. The method of claim 17, further comprising the step of transmitting said credit investigation document and said supporting documents to a third party for credit approval.

20. The method of claim 17, further comprising the steps of:

transmitting said credit investigation document and said supporting documents to a plurality of third parties to bid on the underwriting; and

notifying a third party with the best bid and said user of said third party with the best bid.