A Referrer-Controlled System for Transfering an Inbound Communication to One of a Plurality of Financial Assistance Providers
First Claim
1. A referrer-controlled method for transferring an inbound communication to one of a plurality of financial assistance providers, the method including the steps of:
- receiving an inbound communication from a referring apparatus of information sufficient to identify a referrer identity;
selecting which one of a plurality of financial assistance providers torefer the inbound communication by using a computer to look up and to apply referralcriteria responsive to the referrer identity; and
connecting the inbound communication to the one of the plurality of thefinancial assistance providers in accordance with the criteria.
5 Assignments
0 Petitions
Accused Products
Abstract
85A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers. The system can be used with an intermediary that detects referring information sufficient to identify a referrer identity, to select which one of several financial assistance providers to refer the inbound communication by using a computer to look up and to apply referral criteria responsive to the referrer identity, and to form and track the call referral.
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Citations
34 Claims
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1. A referrer-controlled method for transferring an inbound communication to one of a plurality of financial assistance providers, the method including the steps of:
- receiving an inbound communication from a referring apparatus of information sufficient to identify a referrer identity;
selecting which one of a plurality of financial assistance providers torefer the inbound communication by using a computer to look up and to apply referralcriteria responsive to the referrer identity; and
connecting the inbound communication to the one of the plurality of thefinancial assistance providers in accordance with the criteria. - View Dependent Claims (2, 4, 5, 6, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 34)
- receiving an inbound communication from a referring apparatus of information sufficient to identify a referrer identity;
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3. A method for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of:
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storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and
connecting the debtor by telephone to the one of the stored telephone numbers.
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30. A computer system programmed to implement a method for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the computer system including:
a digital electrical computer having a processor, the processor electrically connected to store and receive electrical signals at a memory device, to receive input electrical signals corresponding to input information from an input device, to convert output electrical signals into output information at an output device, the processor programmed to control the digital electrical computer to receive the input electrical signals and to process the input electrical signals to produce the output electrical signals in storing telephone numbers for a plurality of financial assistance providers in memory accessible by said digital electrical computer, storing lender-provided criteria for selecting one of the financial assistance providers, identifying a debtor in response to a telephone communication, and selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers to connect the debtor to the one of the stored telephone numbers.
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31. The computer system of claim 31, further including a telephone controlled by said digital electrical computer to connect the debtor by telephone to the one of the stored telephone numbers.
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32. A method for making a computer system to refer a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of:
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providing a digital electrical computer having a processor, the processor electrically connected to store and receive electrical signals at a memory device, to receive input electrical signals corresponding to input information from an input device, to convert output electrical signals into output information at an output device; and programming the processor to control the digital electrical computer to receive the input electrical signals and to process the input electrical signals to produce the output electrical signals in storing telephone numbers for a plurality of financial assistance providers in memory accessible by said digital electrical computer, storing lender-provided criteria for selecting one of the financial assistance providers, identifying a debtor in response to a telephone communication, and selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers to connect the debtor to the one of the stored telephone numbers.
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33. A computerized method for providing call referral activity reporting at an Internet address, the method including the steps of:
generating call referral data by receiving an inbound telephone communication from a referring apparatus of information sufficient to identify a referrer identity, selecting which one of a plurality of financial assistance providers torefer the inbound communication by using a computer to look up and to apply referralcriteria responsive to the referrer identity, and connecting the inbound communication to the one of the plurality of the financial assistance providers in accordance with the criteria; and
posting call referral data to the Internet web address.
Specification