Abstract: Embodiments of the invention described a method for processing an ACH transfer in compliance with NACHA regulations. The method comprises receiving a request, through a phone call from a customer, to initiate an ACH transfer, the request including at least an account identifier and a payment amount. The method confirms the ACH transfer using speech recognition software and an interactive voice response unit, wherein the customer's identity, the date of transfer, the account identifier, the payment amount, a contact phone number, and the date of the confirmation, are confirmed by the customer using a verbal response recognized by the speech recognition software. This method also includes, recording, using a recording server, the verbal response of the customer in a sound file, tagging the sound file with at least the field of an account identifier, and storing the sound file for at least two years in a data repository.

Abstract: Systems and methods for the generation of user identification strings (UIS) used with multi-function operation vehicles are provided. In some embodiments, a system for activating a user operation vehicle can include an activation portal, a verifier and a UIS generator. The activation portal can request a base UIS and a vehicle code identifying a user operation vehicle be supplied by a user. Then, using an encryptor and a communications module, the activation portal can generate an encrypted base UIS and communicate the encrypted base UIS and the vehicle code to the verifier. The verifier can then authenticate the user and identify functions that are linked to the user operation vehicle. The UIS generator can include a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS.

Abstract: Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation vehicle with the selected functions after they have been verified by the verifier. A reward function may also be combined with one or more of the functions associated with the user operation vehicle. Interoperability can also be provided between functions on a user operation vehicle based on a pre-determined set of rules. The interoperability between functions may be bidirectional.

Abstract: Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation vehicle with the selected functions after they have been verified by the verifier. A reward function may also be combined with one or more of the functions associated with the user operation vehicle. Interoperability can also be provided between functions on a user operation vehicle based on a pre-determined set of rules. The interoperability between functions may be bidirectional.

Abstract: Embodiments of the present invention provide a user station or input medium allowing a user to view available functions and to enter selection information for requesting the association of one or more functions with a user operation vehicle. A verifier, responsive to the user station or input medium, can be provided to determine based upon a set of pre-determined rules, whether the user is entitled to the selected functions. A linkage generator can be provided to associate a user operation vehicle with the selected functions after they have been verified by the verifier. A reward function may also be combined with one or more of the functions associated with the user operation vehicle. Interoperability can also be provided between functions on a user operation vehicle based on a pre-determined set of rules. The interoperability between functions may be bidirectional.

Abstract: Embodiments of the invention described a method for processing an ACH transfer in compliance with NACHA regulations. The method comprises receiving a request, through a phone call from a customer, to initiate an ACH transfer, the request including at least an account identifier and a payment amount. The method confirms the ACH transfer using speech recognition software and an interactive voice response unit, wherein the customer's identity, the date of transfer, the account identifier, the payment amount, a contact phone number, and the date of the confirmation, are confirmed by the customer using a verbal response recognized by the speech recognition software. This method also includes, recording, using a recording server, the verbal response of the customer in a sound file, tagging the sound file with at least the field of an account identifier, and storing the sound file for at least two years in a data repository.