NEGOTIATION DEVICE

This disclosure describes techniques for using a computing device to occasionally, periodically, and/or continuously negotiate terms of financial agreements, such as those relating to a financial product or service offered by a bank or other financial institution. In one example, this disclosure des...

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Bibliographische Detailangaben
Hauptverfasser:	McClellan, Janet Elaine, Winans, Donald Jeffrey, Duguid, Margaret Ritchie, Ronnau, Robert, Minkus, Wendy Sue, Kalaboukis, Chris Theodore
Format:	Patent
Sprache:	eng
Schlagworte:	ACOUSTICS CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES MUSICAL INSTRUMENTS PHYSICS SPEECH ANALYSIS OR SYNTHESIS SPEECH OR AUDIO CODING OR DECODING SPEECH OR VOICE PROCESSING SPEECH RECOGNITION SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	This disclosure describes techniques for using a computing device to occasionally, periodically, and/or continuously negotiate terms of financial agreements, such as those relating to a financial product or service offered by a bank or other financial institution. In one example, this disclosure describes a method that includes receiving a first indication of audio input associated with a user; generating, based on account information associated with the user, a proposal relating to a financial product, wherein the proposal includes a request for information; sending, over the network, information about the proposal; responsive to sending the information about the proposal, receiving, the network, a second indication of audio input including offered information responsive to the request for information; storing the offered information; and adjusting the account information associated with the user to reflect acceptance of the proposal.