Abstract: The present invention discloses a method, program product and system for conducting product assessment and development. One preferred embodiment relates to a concept and product development technique. An exemplary system and method relates to a web-based survey technique that facilitates developing and testing new products, business investments, and value propositions, as well as testing existing products, businesses, and value propositions. This technique includes systematic solicitation of potential customers or other targeted respondents, eliciting data from customers, automatic processing, interpretation, and scoring of the data, and automatic report generation. The disclosed technique advantageously makes use of continuous metric scales to enable respondents to rate new or existing products. Using an on-line system, this embodiment of the invention provides a fast, engaging, and inexpensive way to gauge customer acceptance and use.

Abstract: A method and system for providing integrated financial services including brokerage services through an ATM network permits trading of securities, portfolio evaluation, security price evaluation, and brokerage account inquiries. The invention utilizes a familiar customer interface, a standard ATM or a customer activated terminal, to provide brokerage functions with a network conventionally used to perform traditional banking functions. The system and method according to the invention provides for trading of a wide variety of publicly traded security by linking the customer to a brokerage system. Provisions are further made for obtaining real time price quotations for up-to-the-minute portfolio evaluation and accurate buy and sell orders.

Abstract: This invention describes a method and system for automated assistance with investment decisionmaking. In particular, the invention relates to assisting retail customers with setting investment objectives, modifying those objectives, and making investments, based on the customer's profile, portfolio, and investment preferences. The invention also comprises a system and method for providing a tutorial aspect intended to assist an account representative, through interactive visual aids, with explaining or questions by a user using the investment decisionmaking method and system. The invention also comprises a method and system for system administration of the investment decisionmaking system.

Abstract: An interactive voice response system provides voice prompts that supply information to a user, request data from the user, and present the user with a plurality of selectable options. The user can first select one or more options by providing one or more letters of the alphabet corresponding to one or more of the selectable options. If the letter or letters that are provided correspond to more than one selectable option, the user further selects one of the options from among the selectable options corresponding to the one or more letters.

Abstract: An interactive voice response system provides voice prompts that supply information to a user, request data from the user, and present the user with a plurality of selectable options. The user can first select one or more options by providing one or more letters of the alphabet corresponding to one or more of the selectable options. If the letter or letters that are provided correspond to more than one selectable option, the user further selects one of the options from among the selectable options corresponding to the one or more letters.

Abstract: An interactive voice response system provides voice prompts that supply information to a user, request data from the user, and present the user with a plurality of selectable options. The user can first select one or more options by providing one or more letters of the alphabet corresponding to one or more of the selectable options. If the letter or letters that are provided correspond to more than one selectable option, the user further selects one of the options from among the selectable options corresponding to the one or more letters.

Abstract: A telephone configures as a programmable microcomputer (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input. The telephone-computer has the overall appearance of a telephone and includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, a programmable gate array (PGA) chip which can be initially programmed and then fixed, and enhanced integrity features. The PGA has the capability of being configured to accommodate various types of software which require different hardware Configuration, but without actually reconfiguring the hardware. The telephone-computer delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines with a network host computer which communicates with a vast panoply of service bureaus.

Abstract: A system for demonstrating financial and financially related concepts and displaying financial and financially related information is provided. The system includes a central processing unit for processing financial information and for creating graphic displays from numerical data, a demonstrator station and at least one viewer station. Both demonstrator and viewer stations include display means for displaying financial information in graphic and textual form. The demonstrator station further comprises data entry means for entering alphanumeric data, and input means for inputting signals to direct the display of information on the display means of both the demonstrator station and the viewer station or stations. The graphic information displayed on the viewer station display means is a subset of the information displayed on the demonstrator station displaying means. The system also includes means for generating graphic displays based on entered data.

Abstract: The present invention relates to a telephone configured as a programmable microcomputer (telephone-computer) which operates in most circumstances through a standard telephone 12-key keypad input. The telephone-computer includes telephone electronics and a microprocessor unit operated in conjunction with other computer elements, including memory devices, and a programmable gate array (PGA) chip and enhanced integrity features, and has the overall appearance of a telephone. The PGA has the capability of being reconfigured to accommodate various types of softwares which require different hardware configuration, but without actually reconfiguring the hardware. The telephone-computer delivers data processing capabilities and services through an ordinary telephone instrument via conventional telephone lines with a network host computer which communicates with a vast panoply of service bureaus.

Abstract: The present invention relates to a programmable microcomputer or microprocessor device with associated memory and telephone circuitry designed to be operated in most circumstances through a standard telephone 12-key keypad input. The microcomputer device of the present invention, which includes the primary microprocessor operated in conjunction with other computer elements, including memory, has the overall appearance of a telephone. The primary microprocessor of the invention consists of a central processing unit and associated memory and includes enhanced integrity features. The device delivers data processing capabilities and services through an ordinary telephone instrument.

Abstract: The present invention relates to a programmable microcomputer or microprocessor device with associated memory designed to be operated in most circumstances through a standard telephone 12-key keypad input as augmented by four programmable function keys. The microcomputer device of the present invention, which includes the primary microprocessor operated in conjunction with other computer elements, including memory, has the overall appearance of a telephone. The primary microprocessor of the invention consists of a central processing unit and associated memory and includes enhanced integrity features.