Intelligent interactive voice response system for processing customer communications

An apparatus, comprising:

• a receiver configured to receive user information based on a call from a user device;
• a processor configured to
• compare the user information to at least one pre-stored user information stored in a user databank associated with a user account via a customer information-processing module, wherein the pre-stored user information comprises at least one of a user name, a user device number and a user voice sample, which is retrieved and compared to the user information;
• calculate a first confidence level based on the comparing of the user information to the pre-stored user information, wherein said first confidence level confirms a user identity by being above a first numerical threshold confidence level on a numerical point scale;
• and
• authorize the user device to receive at least one offer based on the first confidence level;
• a transmitter configured to transmit the at least one offer to the user authorized by the first confidence level;
• wherein the processor is further configured to calculate a second confidence level that is greater than the first confidence level by comparing at least one additional user information to the pre-stored user information and identifying a match between the at least one additional user information and the pre-stored user information, and the transmitter is further configured to transmit at least one additional offer to the user authorized based on the second confidence level.

A non-transitory computer readable storage medium configured to store instructions that when executed cause a processor to perform:

• receiving user information based on a call from a user device;
• comparing the user information to at least one pre-stored user information stored in a user databank associated with a user account via a customer information-processing module, wherein the pre-stored user information comprises at least one of a user name, a user device number and a user voice sample, which is retrieved and compared to the user information;
• calculating a first confidence level based on the comparing of the user information to the pre-stored user information, wherein said first confidence level confirms a user identity by being above a first numerical threshold confidence level on a numerical point scale;
• authorizing the user device to receive at least one offer based on the first confidence level;
• transmitting the at least one offer to the user authorized by the first confidence level;
• calculating a second confidence level that is greater than the first confidence level by comparing at least one additional user information to the pre-stored user information and identifying a match between the at least one additional user information and the pre-stored user information;
• and
• transmitting at least one additional offer to the user authorized by the second confidence level.