Negotiation device

A computing system comprising:

• a storage device;
• and
• processing circuitry having access to the storage device and configured to:
• enable an audio monitoring device located within a user's home to perform continual analysis of the user's spoken words,
• receive, over a network and from the audio monitoring device, a first indication of audio input associated with the user, wherein the first indication of audio input includes a user proposal,
• collect, from an information source on the network, risk information about the user,
• determine, based on the collected risk information, additional information that, if received from the user, is sufficient to make the user proposal acceptable,
• generate a proposal relating to a financial product, wherein the proposal is a counterproposal based on account information associated with the user, the user proposal, and the collected risk information about the user, and wherein the proposal includes a request for the additional information,
• send, over the network, information about the proposal,
• responsive to sending the information about the proposal, receive, over the network, a second indication of audio input associated with the user including offered information responsive to the request for the additional information,
• store the offered information, and
• adjust the account information associated with the user to reflect acceptance of the proposal.

A computer-readable storage medium comprising instructions that, when executed, configure processing circuitry of a computing system to:

• enable an audio monitoring device located within a user's home to perform continual analysis of the user's spoken words;
• receive, over a network and from the audio monitoring device, a first indication of audio input associated with the user, wherein the first indication of audio input includes a user proposal,
• collect, from an information source on the network, risk information about the user;
• determine, based on the collected risk information, additional information that, if received from the user, is sufficient to make the user proposal acceptable;
• generate, a proposal relating to a financial product, wherein the proposal is a counterproposal based on account information associated with the user, the user proposal, and the collected risk information about the user, and wherein the proposal includes a request for additional information;
• send, over the network, information about the proposal;
• responsive to sending the information about the proposal, receive, over the network, a second indication of audio input associated with the user including offered information responsive to the request for the additional information;
• store the offered information;
• and
• adjust the account information associated with the user to reflect acceptance of the proposal.