Financial quotation system using synthesized speech
November 9, 2003. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.Patent ReferencesApparatus and method for providing interactive audio communication Electronic calculator system having audio messages for operator interaction Synthetic-speech calculators Method and apparatus for transaction and identity verification Synthetic-speech calculators Audible announcement in an electronic cash register Voice data output apparatus for electronic cash registers Audio response system Patent #: 4489438 InventorsAssigneeApplicationNo. 06/551130 filed on 11/09/1983US Classes:705/36R, Portfolio selection, planning or analysis340/825.26, Stock quotation379/106.01, Remote indication over telephone line (e.g., telemetry)379/88.16, Voice message synthesis379/93.05, Terminal interface circuitry705/35, Finance (e.g., banking, investment or credit)902/20, With specific data input means (e.g., keyboard)902/3, Evaluates biometrics902/5And to verify identity of user*ExaminersPrimary: Smith, JerryAssistant: Grossman, Jon D. Attorney, Agent or FirmInternational ClassG07G 1/12 (20060101)AbstractAn automated financial quotation system for audibly eliciting identification and input information from a user located at a remote terminal, and on the basis of this information, calculating and transmitting a synthesized audible representation of a financial disclosure statement to the remote terminal. The input information includes identification information and at least one variable from which the financial disclosure statement is calculated. The identification information may include user identification and/or identification of the transaction to be performed, preferably modelled by a processor under control of programmed instructions and stored data. The system includes means for requesting or eliciting the identification and input information, means for verifying and/or confirming at least those portions of the input information from which the financial disclosure statement is determined and/or calculated, and a speech synthesizer controlled by the processor and/or phoneme command signals for generating phonemes of speech representative of the processed financial disclosure statement. An alternative embodiment of the invention also includes a storage module for storing processed financial disclosure statements along with a V-code generated by the system so that a particular financial disclosure statement may be recalled when the V-code is later supplied to the system to retrieve the calculated disclosure statement in anticipation of consummating a transaction.Other References
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