Abstract: Example systems and methods of providing enriched financial transaction records are described. In one implementation, a method identifies a financial transaction record that describes a financial transaction associated with a financial institution. The method accesses metadata that has a relationship to the financial transaction and is not structured as a financial transaction record. The metadata is associated with the financial transaction record.

Abstract: Example financial conversation management systems and methods are described. In one implementation, a method receives a request from a user and identifies financial data associated with the user. The method determines an answer to the request from the user and infers a user intent based on the financial data associated with the user. An offer is selected for the user based on the user intent.

Abstract: A single, subjective numerical rating to evaluate the performance of a telephone-based spoken dialog system. This CE rating is provided by expert human listeners who have knowledge of the design of the dialog system. Different human raters can be trained to achieve a satisfactory level of agreement. Furthermore, a classifier trained on ratings by human experts can reproduce the human ratings with the same degree of consistency. More calls can be given a CE rating than would be possible with limited human resources. More information can be provided about individual calls, e.g., to help decide between two disparate ratings by different human experts.

Abstract: An interactive voice response (IVR) system which assists in identifying repeat callers, understanding whether they are calling for the same reason as one of their previous calls, and properly disposing of the call. If the repeat caller is calling for the same reason, information from the previous call (or the previous calls) is retrieved and an action based on a defined business logic for repeat callers may then be executed for the current call.

Abstract: A single, subjective numerical rating to evaluate the performance of a telephone-based spoken dialog system is disclosed. This CE rating is provided by expert human listeners who have knowledge of the design of the dialog system. Different human raters can be trained to achieve a satisfactory level of agreement. Furthermore, a classifier trained on ratings by human experts can reproduce the human ratings with the same degree of consistency. More calls can be given a CE rating than would be possible with limited human resources. More information can be provided about individual calls, e.g., to help decide between two disparate ratings by different human experts.

Abstract: A Visual Knowledge Publisher (VKP) system provides a graphical user interface environment that acts as a development platform for authoring predetermined dialog text for servicing various customer products and services and a Customer Interaction Platform for managing the interactions between the customer and the system. The VKP creates and outputs an XML document, using a Support Incident Markup Language (SIML). Each SIML document contains the procedural flows of the system's interactions with a human and the presentation elements of those interactions that are necessary to resolve the problem, often by a variety of methods. In this manner using a SIML document as input, voice and website dialogs may be defined a priori for various common problems. These dialogs allow a caller to interactively step through a procedure to resolve the problem using multiple channels (such as phone, web and PDA).

Abstract: This invention relates to a method for optimizing the cost of interaction with a caller utilizing an automated interactive voice response system. A plurality of interactions between a caller and an automated interactive voice response system are analyzed. Discrete attributes of the interactions between the callers and the automated interactive voice response system are analyzed, and a set of logical statements relative to the discrete attributes is formulated. The set of logical statements is applied to the interaction with the caller, from which an action is determined.

Abstract: An interactive voice response (IVR) system which assists in identifying repeat callers, understanding whether they are calling for the same reason as one of their previous calls, and properly disposing of the call. If the repeat caller is calling for the same reason, information from the previous call (or the previous calls) is retrieved and an action based on a defined business logic for repeat callers may then be executed for the current call.

Abstract: A Visual Knowledge Publisher (VKP) system provides a graphical user interface environment that acts as a development platform for authoring predetermined dialog text for servicing various customer products and services and a Customer Interaction Platform for managing the interactions between the customer and the system. The VKP creates and outputs an XML document, using a Support Incident Markup Language (SIML). Each SIML document contains the procedural flows of the system's interactions with a human and the presentation elements of those interactions that are necessary to resolve the problem, often by a variety of methods. In this manner using a SIML document as input, voice and website dialogs may be defined a priori for various common problems. These dialogs allow a caller to interactively step through a procedure to resolve the problem using multiple channels (such as phone, web and PDA).