Product overview
Applying advanced computerized digital speech conversion technology
and making full use of modern public telephone network and computer
network in bank, telephone banking system is able to realize
directly expression of different kinds of data on bank through
speech, fax, or graphics context telephone rather than confine to
words.
Only dialing the special line telephone, then under the guide of
telephone voice, can the client within telephone bank receive
necessary finance information in the form of conversation”, and
finish finance service. This service owns the advantaged of
simplicity, feasibility, high-efficiency and safety, and so on.
This system is suitable to all kinds of commercial banks. At
present, the product, being small-fee investment front-end, plans
to realize telephone bank, so that it can play a role in the full,
to improve business scope and practical efficiency for client
service. In the meantime, the expanded business is also able to be
contained into future-practiced call center system.
In order to enforce bank’s competitive capacity, a set of
applicable, reliable, and extendable interactive voice response
(IVR) system which is fit to every client and present and future
situations of bank is needed according to the present-stage needs
of bank.
Figure 1 Structure of telephone banking system
Functions:
Inquiry
It mainly provides two kinds of inquiries: one is inquiring account
data, including inquiring balance of account, inquiring amount to
detail account balances (receive amount, payment amount), inquiring
stock fund balance, and inquiring whether or not the deal is done
(such as, securities transaction, transfer transaction) and so on;
the other consists of different kinds of deposit rates on domestic
currency and foreign currency, exchange rates, loan rates, credit
card stop payment name list and stock market information.
Password revision
The client is able to revise their password on client inquiry as
well as withdraw password by phone. As long as they input the
original password correctly, and input a suitable new client
password under the guide of telephone voice, then the original
password is able to be changed conveniently.
Loss register
Through telephone banking system, deposit book, check, debit card,
credit card and other emergent loss stop can be handled at any
time, to assure the safety of client’s account fund.
Transfer
By phone, the client is able to handle fund transfer between
his/her different accounts, such current deposit transferring into
fixed deposit, fixed deposit transferring into current deposit
these personal fund functions, or transferring funds from personal
account into others’ account and so on.
Fax
Besides telephone voice broadcasting, the client is also able to
receive inquiry information by fax, such as fax non-full-page bill,
fax detail account, fax bank information (currency rates, rates,
bank business introduction etc.).
Intermediary Business
The client is able to handle intermediary business automatically
through this system. Such as, mobile phone payment, fixed phone
payment, water, electricity, gas, and cable TV payment, as well as
Banking & Securities money transfer and so on.
Management and Monitor
Through telephone banking management system, it is convenient to
realize management and maintenance of telephone banking system, as
well as endless monitoring of working situation and line situation
of telephone bank.
Characteristics:
Changing from decentralized client service into centralized clinic
support service;
24-hour service, without limit of time, weather, area;
Telephone service center announces special-service number, which is
useful to remembering and publication (is also able to use
800-partner fee-payment phone);
Be able to accept various receive ways, such as: telephone, fax, or
computer;
Without needing register, personal user can enter telephone center
and receive corresponding service by using account number or card
number as well as his/her own inputted password; enterprise user
can receive service only after it applies to open account and make
a register in bank.
Seamless connection with core banking;
Has second development platform, which is easy to expanding
business.
