Inventors:
Frank Subealdea, Jr. - San Antonio TX, US
Dik Moore - San Antonio TX, US
Thomas Chudanov - San Antonio TX, US
Hector Castillo - San Antonio TX, US
Linda Karen Leach - San Antonio TX, US
Assignee:
United Services Automobile Association (USAA) - San Antonio TX
International Classification:
G06Q 40/00
Abstract:
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.