Data processing: speech signal processing – linguistics – language – Speech signal processing – Recognition
Reexamination Certificate
2001-04-06
2004-05-18
Dorvil, Richemond (Department: 2654)
Data processing: speech signal processing, linguistics, language
Speech signal processing
Recognition
C704S270100, C705S038000, C379S088180
Reexamination Certificate
active
06738740
ABSTRACT:
BACKGROUND OF THE INVENTION
The present invention relates to method and system for gathering information to generate a document. More specifically, the present invention relates to a voice recognition system for interactively gathering information to generate a document.
For example, the mortgage application process has always been and remains a process that most people fear and dread. The process of gathering the necessary information for most applicants is a torturous procedure from inception to the end. Unfortunately, most information gathers or compilers are not skilled or trained properly to correctly explain the mortgage process to the applicants and collect the necessary information to complete the mortgage application form. As a result, many mortgage applications submitted for processing are incomplete leaving the applicants continually searching for additional supporting documents or explanations. Of course, this tedious process could have been avoided if the applicants were properly informed of the mortgage process. All of this contributes to making the mortgage process a nightmare.
Even with the advent of the Internet, the mortgage process has not become any easier or less pressured in spite of all of the hype and claims associated with the web based products and services. The applicant is still not in control of the process and does not have a complete understanding of the process.
Accordingly, the present invention proceeds upon the desirability of providing a system that simplifies the process, i.e., information gathering process, while at the same time educating the consumer (user or applicant) about the process. The voice recognition system (VRS) of the present invention interactively gathers information from the user to create the necessary documents and forms. For example, the VRS of the present invention insures a faster approval of the credit application and is more cost effective to all parties involved in the transaction, such as the consumer, the creditor and all third party providers. Additionally, the VRS system of the present invention advantageously provides the convenience of data entry by voice.
OBJECTS AND SUMMARY OF THE INVENTION
Therefore, it is an object of the present invention to provide a voice recognition system and technique for interactively gathering information from the user to generate documents.
Another object of the present invention is to provide the voice recognition system and technique as aforesaid, which stores partially completed document to enable a user to complete the incomplete document at a later time.
A further object of the present invention is to provide the voice recognition system and technique as aforesaid, which generates credit investigation documents.
Still another object of the present invention is to provide the voice recognition system and technique as aforesaid, which relays the completed credit investigation documents to a third party underwriting system, such as a lender, Fannie Mae, Freddie Mac, FNMA, FHLMC, PMI, etc.
Yet another object of the present invention is to provide the voice recognition system and technique as aforesaid, which stores the applicant's information, such as personal, financial, etc., that can be accessible only by the applicant to generate other documents.
Still yet another object of the present invention is to provide the voice recognition system and techniques as aforesaid, which interactively gathers information in one language and generates a document in another language.
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Dorvil Richemond
Fulbright & Jaworski LLP
Storm Donald L.
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