Abstract: A system for communication, storage, retrieval and delivery of information between the system and participating institutions and sites includes institution, warehouse and central servers sequentially receiving data from the participating institutions. The institution server is provided with an index stored in the institution server and constantly updated upon receiving new information. The central server has a long-term storage accessible from the warehouse server to provide the requested information to the participating institutions if this information is not found on either of the institution or warehouse servers.

Abstract: An automated computer calling system is disclosed for correlating diverse types of recorded information, such as voice or video, with data records that have been previously stored and/or simultaneously entered. The calling system is capable of simultaneously recording and processing multiple customer transactions, and verifying the transactions on the basis of the recorded information.

Abstract: An automatic telephone calling system that characterizes the responses from telephone subscribers' telephone stations to placed calls from the system. The system comprises communication lines which enable the system to place a call to a subscriber's station, to receive the response thereto, and exchange information therebetween. Operator stations enable operators of the calling system to communicate, via a respective communication line, with a subscriber's station upon an operable connection of the line to the subscriber's station and to the operator station. A call processor places calls to subscribers' stations and operably connects and disconnects each communication line to a respective subscriber's station and to a respective operator station. A trunk processor characterizes the response from a respective subscriber's station to a placed call and determines whether a response characterized as a voice signal is delivered by an answering machine.