Patent ID: 8953754
Filing Date: 2015-02-10
Classification: G06Q,H04M

Abstract:
1. A computer-implemented method for communicating with a customer via a telephone call, comprising: selecting the customer to call from a customer database to remediate an adverse account condition of a first account; initiating the telephone call using an automated calling system, the automated calling system including a speech signal generator configured to electronically generate a speech signal for transmission to the customer over a telephone network during the telephone call; determining whether a person that answered the telephone call is the customer based on an answer received from the customer after asking a security question, including: prompting the person to indicate whether the person is the customer, the prompting being performed by the speech signal generator, receiving input from the person responsive to the prompting, the input indicating whether the person is the customer; if the person that answered the telephone call is not the customer, then proceeding with the telephone call without transferring the telephone call to a human agent and the speech signal generator configured to electronically generate a speech signal for the person that answered the telephone call; and if the person that answered the telephone call is the customer determined by receiving a correct answer to the security question, then transferring the telephone call to the human agent, determining an amount of funds in a second account held by the customer and 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.