CA2424177C - Systeme d'extraction de rapport de solvabilite, y compris une interface vocale - Google Patents

Systeme d'extraction de rapport de solvabilite, y compris une interface vocale Download PDF

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Publication number
CA2424177C
CA2424177C CA2424177A CA2424177A CA2424177C CA 2424177 C CA2424177 C CA 2424177C CA 2424177 A CA2424177 A CA 2424177A CA 2424177 A CA2424177 A CA 2424177A CA 2424177 C CA2424177 C CA 2424177C
Authority
CA
Canada
Prior art keywords
credit
data retrieval
user
voice
operative
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
CA2424177A
Other languages
English (en)
Other versions
CA2424177A1 (fr
Inventor
John Thomas Danaher
Michael Maxwell
Justin Depow
Scott Metzger
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
TransUnion Interactive Inc
Original Assignee
TransUnion Interactive Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by TransUnion Interactive Inc filed Critical TransUnion Interactive Inc
Priority to CA2744112A priority Critical patent/CA2744112A1/fr
Priority to CA2424177A priority patent/CA2424177C/fr
Publication of CA2424177A1 publication Critical patent/CA2424177A1/fr
Application granted granted Critical
Publication of CA2424177C publication Critical patent/CA2424177C/fr
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
    • H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
    • H04M3/4936—Speech interaction details
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2203/00—Aspects of automatic or semi-automatic exchanges
    • H04M2203/10—Aspects of automatic or semi-automatic exchanges related to the purpose or context of the telephonic communication
    • H04M2203/105—Financial transactions and auctions, e.g. bidding
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
    • H04M3/382—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections using authorisation codes or passwords

Landscapes

  • Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Human Computer Interaction (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Telephonic Communication Services (AREA)

Abstract

Il s'agit de méthodes, d'appareils et de systèmes qui fournissent une interface vocale pour accréditer des systèmes d'extraction d'états permettant aux utilisateurs d'organiser des données d'états de solvabilité au moyen d'un téléphone ou appareil semblable. La présente invention fournit une nouvelle fonctionnalité et des flux de production dirigés pour traiter une demande d'appelant pour un état de solvabilité, tout en fournissant une interface vocale sécurisée et facile à utiliser. Dans une version, la fonctionnalité associée à la présente invention permet à un client d'accéder à son montant de solvabilité au moyen d'un téléphone ou autre appareil vocal approprié, et d'avoir un état de solvabilité envoyé par la poste à son adresse. L'utilisation d'une interface vocale, au lieu d'une interface utilisateur graphique conventionnelle, associée à des services Web accessibles sur l'ordinateur d'un client, marque une nouvelle direction par rapport aux canaux conventionnels relatifs aux produits d'états de solvabilité et fournit l'occasion d'accéder à un marché étendu de consommateurs qui ne sollicitent pas régulièrement l'Internet. Dans une version, la présente invention fournit de plus une nouvelle méthode d'authentification, spécialement adaptée aux dispositifs de réseau téléphonique et autres interfaces qui présentent des capacités d'entrée de texte limitées. Ainsi, ladite méthode minimise l'occasion pour des utilisateurs malintentionnés de glaner des données d'authentification; c.-à-d., des renseignements personnels probablement connus auprès d'un individu, utilisables pour authentifier une identité.
CA2424177A 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale Expired - Lifetime CA2424177C (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2744112A CA2744112A1 (fr) 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale
CA2424177A CA2424177C (fr) 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CA2424177A CA2424177C (fr) 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CA2744112A Division CA2744112A1 (fr) 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale

Publications (2)

Publication Number Publication Date
CA2424177A1 CA2424177A1 (fr) 2004-10-01
CA2424177C true CA2424177C (fr) 2011-09-13

Family

ID=33034967

Family Applications (2)

Application Number Title Priority Date Filing Date
CA2744112A Abandoned CA2744112A1 (fr) 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale
CA2424177A Expired - Lifetime CA2424177C (fr) 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CA2744112A Abandoned CA2744112A1 (fr) 2003-04-01 2003-04-01 Systeme d'extraction de rapport de solvabilite, y compris une interface vocale

Country Status (1)

Country Link
CA (2) CA2744112A1 (fr)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7133935B2 (en) * 1999-10-19 2006-11-07 Shad Hedy System and method for real-time electronic inquiry, delivery, and reporting of credit information
US6988085B2 (en) * 1999-10-19 2006-01-17 Shad Hedy System and method for real-time electronic inquiry, delivery, and reporting of credit information
WO2014193324A1 (fr) * 2013-05-27 2014-12-04 Kkb-Kredi̇ Kayit Bürosu Anoni̇m Şi̇rketi̇ Système d'établissement de rapport de risque
GB2560188A (en) * 2017-03-03 2018-09-05 E4 Strategic Pty Ltd User identification and address verification systems and methods

Also Published As

Publication number Publication date
CA2424177A1 (fr) 2004-10-01
CA2744112A1 (fr) 2004-10-01

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Effective date: 20230403