Patent ID: 7599859
Filing Date: 2009-10-06
Classification: G06F,G06Q

Abstract:
1. A system for accessing an account, conducting a transaction, obtaining one of several services, or obtaining information over a network, said network including a user operable terminal in the form of a telephone for sending and receiving communications at a remote location relative to a provider of the account, transaction, service, or information to be accessed and a gateway service platform for processing and transmitting said communications to and from the user operable terminal and to and from at least one provider of the account, transaction, service, or information, said system comprising: said terminal having a display of user selectable options perceptible to the user that are changeable in accordance with differing modes of operation of the terminal and having an internal processing unit programmed to provide a multiplicity of selectable options with respect to the account, transaction, service, or information, said terminal being capable of registering the user's input to the terminal corresponding to the user's selection from the multiplicity of selectable options; data transmission means for communicating the user's selection from among the multiplicity of selectable options presented by the terminal to the service platform and for communicating data from the service platform to the user terminal; data receiving means enabling the user terminal to display data concerning the account, transaction, service, or information received from the service platform in response to the user's selection from the multiplicity of selectable options; means for maintaining in the user terminal a record of connectivity interconnections associated with predetermined providers of each account, transaction, service, or information displayed; means for connecting the user terminal through a connectivity interconnection to the provider in response to the user's selection from the multiplicity of selectable options; and means for enabling the user to communicate with the provider upon connection with the provider of said account, transaction, service, or information comprising a switch initiating an interconnection with and data communication between, the user terminal and the provider through the service platform wherein, upon connection of the user to the provider, the display of user selectable options on the user terminal is ended and the user terminal becomes interconnected with the selected provider to access the user account, transaction, one of several services, or information.