Importance

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Abstract

Methods, apparatuses and systems providing a voice-based interface to credit report retrieval systems allowing users to order credit report data using a telephone or similar device. The present invention provides novel functionality and process flows directed to handling a request from a caller for a credit report, while providing a secure and easy-to-use voice interface. In one embodiment, the functionality associated with the present invention allows a customer to access his/her credit score via a telephone or other suitable voice-based device, and have a credit report mailed to his/her address. The use of a voice interface, instead of a traditional graphical user interface associated with web-based services accessible over a client computer, marks a departure from traditional credit reporting product channels and provides an opportunity to access a large market of consumers who do not regularly access the Internet. In one embodiment, the present invention further provides a novel authentication methodology, especially adapted to telephone network devices and other interfaces having limited text entry capabilities, that minimizes the opportunity for malicious users to glean authenticating information; i.e. personal information presumably known to an individual that may be used to authenticate identity.

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First Claim