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Financial
Account Balances And Transfers
Bank customers dial a number and enter their account number and password to gain
access to a variety of services and information, including fund transfers, loan
payments and balances, deposits and current interest rates.
Stock Market
Investors want to know how their investments are doing without waiting for the
evening paper or calling their broker. A Computer Telephony system accesses
individual customer profiles stored in a database that is automatically updated
during the day. This permits investors to call at any hour and hear an
item-by-item account providing the status of their investments.
Cash Management
An automated cash management system allows store managers to call in from any
area of the country to report their deposits. There is no need to wait a day or
two for bank receipts to be forwarded to the company's finance department. Data
received by phone can be calculated by a central computer, and reports can be
generated in far less time. This means less delay for financial officers who
need to make up-to-the-minute cash management decisions.
Currency CD Rates
Up-to-the-minute prices on foreign currency and certificates of deposits are of
particular interest to traders and investors. Callers can dial in and access
current rate information by telephone. A more sophisticated system allows for
purchase via funds transfer.
Lending Rate Information
Consumers who wish to borrow money dial in to obtain current interest rates. The
system also provides an interactive loan questionnaire that prompts them to
enter information about the amount of their loan and the desired repayment
schedule and uses this information to calculate payments.
Tax Assistance
City, state and federal tax authorities provide customers with free tax
assistance by telephone. Callers choose from a menu of topics and subtopics that
explain the relevant tax laws and how to complete tax forms. Private firms can
provide personal tax assistance for a fee by directing callers to agents who
answer their questions over the phone.
Credit Card Account Information And Collection
Credit card companies currently direct callers to agents who answer their
questions personally. Not all calls require personal assistance, particularly
those involving questions about account balances. A Computer Telephony system
asks callers for their account number and provides them with current account
information. Callers retain the option of transferring to an agent at any time.
On the outbound side, credit collection calls can be automated, reminding those
called that payments are overdue and prompting them for expected payment dates
and amounts.
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