Pre-authentication system and method for outgoing communication
AssigneeWells Fargo Bank, N.A.
InventorsCharlie Aziz Simon, Jacob Mine Mou
Life of this patent
Estimating the term…
Abstract
An automated calling system authenticates and subsequently communicates via a telephone network with a person such as a current or prospective customer. The communication may be in regards to an account having an adverse account status (e.g. a payment delinquency, an overdrawn checking account, being over the credit limit on a credit card, excessive transactions on one account, suspicious or fraudulent transactions on an account, and so on).
Claims32
A non-transitory computer-readable storage medium having machine instructions stored therein, the instructions being executable by a processor to cause the processor to perform operations for communicating with a customer via a telephone network, the operations comprising:
- transmitting a message over the telephone network to the customer concerning remediating an adverse account condition of a first account held by the customer;
- determining an amount of funds in a second account held by the customer;
- 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;
- receiving a request from the customer to perform the settlement option;
- and
- performing the settlement option responsive to receiving the request.
A method for processing a message transmitted over a telephone network, comprising:
- transmitting, using an automated communication system comprising a non-transitory computer-readable storage medium having machine instructions stored therein, the instructions being executable by a processor, the message over the telephone network to an account holder of a banking institution in response to the account holder having at least a first account with an adverse account status, the message comprising a prompt asking if the account holder would like to resolve the adverse account status;
- authenticating a person who responds to the message as the account holder;
- determining an amount of funds in a second account held by the account holder;
- 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;
- receiving a request from the account holder to perform the funds transfer;
- and
- performing the funds transfer responsive to receiving the request.
A computer-implemented system for communicating with a banking institution customer comprising:
- a processor;
- a memory device coupled to the processor, the memory device storing instructions executable by the processor, the instructions comprising:
- automated communication logic adapted to transmit a message over a telephone network to a customer of the banking institution, the automated communication logic configured to select the customer for communication based on the customer having an adverse account condition of a first account;
- and
- account management logic configured to:
- determine an amount of funds in a second account held by the customer;
- generate 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;
- receive a request from the customer to perform the settlement option;
- and
- perform the settlement option responsive to receiving the request.
Dependencies are inferred from the claim text.