A voice-enabled system for online content access and delivery provides a voice and telephony interface, as well a text and graphic interface, for browsing and accessing requested content or shopping over the Internet using a browser or a telephone. The system allows customers to access an online data application, search for desired content items, select content items, and finally pay for selected items using a credit card, over a phone line or the Internet. A telephony-Internet interface converts spoken queries into electronic commands for transmission to an online data application. Markup language-type pages transmitted to callers from the online data application are parsed to extract selected information. The selected information is then reported to the callers via audio messaging. A voice-enabled technology for mobile multi-modal interaction is also provided.

 
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> System for reducing risk payment-based transactions wherein a risk filter routine returns instructions authorizing payment to a payment queue for later re-evaluation

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