So while ring-fencing gets much of the attention in the final Vickers Report, the measures on improving competition within the banking sector are worth close scrutiny too.
Line2 has an iPhone App that initially getsthe call, and it has a different ring, so we know if its a customer calling the lullubee number from the website, and we can answer the phone appropriately.
The patent gets even more creative, suggesting customization options similar to how people assign a variety of ring tones for different contacts and whether the incoming signal is a call, text or alert.