SYSTEM FOR TRANSFERING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF CREDIT-COUNSELING AGENCIES

• US 20070260539A1
• Filed: 07/19/2007
• Published: 11/08/2007
• Est. Priority Date: 10/19/2000
• Status: Active Grant

• Current Assignee: Peregrin Licensing LLC (Quest Patent Research Corporation)
• Original Assignee: Peter K. Trzyna
• Inventors: Walker, David, Delinsky, William, Morency, Michael, Fish, Timothy
• Granted Patent: US 7,761,371 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 10/063112 Skill-based matching of a person or a group to a task
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A 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.

Claims

1. A computer-aided method of analyzing a credit counseling agency, the method including:

receiving, at a credit counseling agency, a plurality of telephone calls, each said call allowing a respective debtor to obtain credit counseling concerning a debt of the respective debtor;

automatically capturing respective call data for each said telephone call;

combining, by programmed computer system, the automatically captured respective call activity data to produce a call activity report of the received telephone calls to facilitate analyzing the credit counseling agency.