Products

Financial Interactive Voice Response

The Centurion, Inc. Next Teller, “Bank-By-Phone”, specifically designed for banking and financial applications, provides the freedom to process bank transactions from any touch-tone telephone, 7 days a week, 24 hours a day. This reduces operating costs as Next Teller is successfully completing the tasks traditionally done by your staff; staff who now can be assigned to tasks that require personalized services.

Easy to use menus impart a sense of control and understanding for the caller, assuring their satisfaction with the application. Customers familiar with formerly spending 10 to 15 minutes transacting their business on a person to person basis will appreciate the fact that Next Teller processes their transaction in an average of 3 minutes, any time of the day, any day of the week, from any touch-tone location.

Administrative training is easy to learn with a majority of operations performed by responses of “yes – no” or “on – off”, assuring that your employees are productive in a minimal amount of time. Data base access supports the Next Teller standard queries, such as current rate information, with the system retrieving and responding with the requested information, eliminating repetitive “look up” by staff for each call. When an interest rate line is updated within the system, the rates retrieved by the Next Teller application also reflect that update.

Residing within an Oracle data base, Next Teller provides a Personal Identification Number (PIN) administration feature, ensuring confidentiality of data available throughout the system.

Next Teller standard features:

Data access: This function provides primary customer account query, balance confirmation and data maintenance oriented transactions, such as:

Next Teller enhanced features:

Next Teller is an evolving software package providing customized procedures to meet our customers specific needs.  As our nationwide customer base enlarge the scope of their processing needs, the list of enhancements grows.  The following represents some current options available.

Next Teller Feature Description Sampling:

Loan Payment Calculator

This feature will enable acaller to enter the type of loan desired (auto, etc.), the loan amount and the number of planned payments. The payment amount will be computed and spoken to the caller. Alternatively, the caller can enter the type of loan desired, the number of payments and the desired payment amount. The loan amount will be computed and spoken to the caller.

Loan Application Form Filler

After using the Loan Payment Calculator, the caller is given an opportunity to submit a Loan Application through spoken and touch-tone responses. This loan application can be printed, copied to diskette or transferred electronically to a loan process department.

Loan Application with Host Data System Integration

To enhance the loan origination process, Centurion, Inc. has incorporated several options into this feature.

• Retrieval of data from a host data system based upon the caller’s account and PIN number. The caller’s name, address, etc. can be collected from the host data system, streamlining that portion of the loan origination process.
• Credit bureau records can be accessed based upon the caller’s social security number. Next Teller dials the credit bureau via modem connection, retrieves credit information and incorporates it into the loan application record.
• Transfer of the loan application record to the loan origination system, eliminating the need to key the information or move the data from diskette.

Bill Payment Feature

• Auto Dial to Third Party Bill Payer menu choice initiates an interface to a bill payer service.
• Bill Payer via Electronic Funds Transfer (EFT) enables the caller to transfer funds and pay bills electronically, at any time of any day. This feature conforms toACH Standard Format; therefore, vendors must have accounts at financial institutions that accept this standard.

Merchant Check Verification

Whether included within the original Next Teller installation or added later, this feature verifies that an account has sufficient funds to cover a transaction.

TDD for the Hearing Impaired

TDD or “Telephone Device for the Deaf” is available and can be included in the Next Teller solution. Customers who are hearing impaired will be able to enjoy the same services and will welcome the ability to access their financial information privately, as anyone else, utilizing the Next Teller remote banking system.

Fax Back on Demand

This feature provides centralized facsimile functions such as, confidential reception, broadcasting, automatic retry, plain paper printing to its subscribers, plus a database of FAX information for retrieval by any caller. FAX BACK can be implemented on any system platform.

Administrative Reporting

Reporting functions are available on a demand basis, performed concurrently with call activity. This eliminates the need of taking the system off-line to prepare transaction profile reports. From an Oracle SQL relational database, Centurion, Inc. utilizes Crystal Report Writer to develop reports unique to Next Teller, providing selective dated information tailored to the specific needs of each client.

Host Data System Integration

A seamless interface to core processors and host data systems enables your customers to enjoy an informative and efficient access to their information. Centurion, Inc. will deliver a custom interface to fit your exact needs… insuring your callers have access to information they need, in the required format.

An alphabetically arranged sampling of host data systems and their subsidiaries we have interfaced with include, but are not limited to:

AFTEC · ALLTEL · AURUM · BISYS · CUSA · FISERV · JACK HENRY · KIRCHMAN
METAVANTE  (M&I)  NCR · OPEN SOLUTIONS (OSI) · USER’s DATA SAFE

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