Abstract: Embodiments provide calculated scores allowing users to quickly and easily evaluate credit and ACH risk associated with a financial institution's ACH originators. The index score is computed using a 0 to 100 scale with 100 reflecting a low risk ACH relationship and 0 indicating significant potential risk. The index score integrates the standard entry class code, standard entry class code return risk percentage, industry risk factors, origination set volume, origination set frequency, origination set aggregate peak exposure risk, third party financial information, public record information, economic risk metrics, and customized risk profile.

Abstract: A wireless conference call telephone system uses body-worn wired or wireless audio endpoints comprising microphone arrays and, optionally, speakers. These audio-endpoints, which include headsets, pendants, and clip-on microphones to name a few, are used to capture the user's voice and the resulting data may be used to remove echo and environmental acoustic noise. Each audio-endpoint transmits its audio to the telephony gateway, where noise and echo suppression can take place if not already performed on the audio-endpoint, and where each audio-endpoint's output can be labeled, integrated with the output of other audio-endpoints, and transmitted over one or more telephony channels of a telephone network. The noise and echo suppression can also be done on the audio-endpoint. The labeling of each user's output can be used by the outside caller's phone to spatially locate each user in space, increasing intelligibility.