Transfer caller into speech make-a-payment transaction

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8554674
SERIAL NO

11591040

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A user calling a payment center has the option of using an automated speech recognition payment system or a human representative to make the payment. If the user selects to make a payment using a human representative, the representative may, at some point, transfer the user into the automated speech recognition payment system. If the user has already been authenticated, he may not need to re-authenticate himself to the system. If the user selects to make a payment the automated system, and then gets transferred to a human representative during the payment process, the representative may, at some point, transfer the user into the automated speech recognition payment system. Again, if the user has already been authenticated either by the system initially or by the representative, he may not need to re-authenticate himself to the system.

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Patent Owner(s)

  • UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Castillo, Hector San Antonio, US 5 135
Chudanov, Thomas San Antonio, US 1 1
Leach, Linda Karen San Antonio, US 4 12
Moore, Dik San Antonio, US 1 1
Subealdea,, Jr Frank San Antonio, US 1 1

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Apr 8, 2025
Fee Large entity fee small entity fee micro entity fee
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00