SYSTEM FOR TRANSFERING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF CREDIT-COUNSELING AGENCIES
First Claim
1. A method of transferring an inbound communication to one of a plurality of credit-counseling agencies, the method including the steps of:
- receiving an inbound communication from a debtor of a creditor in a manner sufficient to identify a referrer identity corresponding to the creditor;
selecting which one of a plurality of credit-counseling agencies to refer the inbound communication by using a computer to look up and to apply creditor'"'"'s referral criteria responsive to the referrer identity; and
connecting the inbound communication to the one of the plurality of the credit-counseling agencies in accordance with the creditor'"'"'s referral criteria.
4 Assignments
0 Petitions
Accused Products
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.
-
Citations
33 Claims
-
1. A method of transferring an inbound communication to one of a plurality of credit-counseling agencies, the method including the steps of:
-
receiving an inbound communication from a debtor of a creditor in a manner sufficient to identify a referrer identity corresponding to the creditor;
selecting which one of a plurality of credit-counseling agencies to refer the inbound communication by using a computer to look up and to apply creditor'"'"'s referral criteria responsive to the referrer identity; and
connecting the inbound communication to the one of the plurality of the credit-counseling agencies in accordance with the creditor'"'"'s referral criteria. - View Dependent Claims (2, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 33)
-
-
3. A method of referring a telephone communication to one of a plurality of credit-counseling agencies based on creditor criteria, the method including the steps of:
-
storing telephone numbers of a plurality of credit-counseling agencies in memory accessible by a digital electrical computer;
obtaining creditor criteria for selecting one of the credit-counseling agencies;
storing said creditor criteria for access by said computer;
identifying creditor of a debtor;
selecting one of the credit-counseling agencies by accessing the criteria, applying the creditor criteria, and accessing one of the stored telephone numbers; and
connecting the debtor by telephone to the one of the stored telephone numbers.
-
-
29. A computer system programmed to implement a method for referring a telephone communication to one of a plurality of credit-counseling agencies based on creditor criteria, the computer system including:
a digital computer having a processor, the processor connected to store and receive signals at a memory device, to receive input signals corresponding to input information from an input device, to convert output signals into output information at an output device, the processor programmed to control the digital computer to receive the input signals and to process the input signals to produce the output signals in storing telephone numbers for a plurality of credit-counseling agencies in memory accessible by said digital computer, storing creditor criteria for selecting one of the credit-counseling agencies, identifying a debtor of the creditor in response to a telephone communication, and selecting one of the credit-counseling agencies by accessing the creditor criteria, applying the creditor criteria, and accessing one of the stored telephone numbers to connect the debtor to the one of the stored telephone numbers. - View Dependent Claims (30)
-
31. A method of making a computer system to refer a telephone communication to one of a plurality of credit-counseling agencies based on creditor criteria, the method including the steps of:
-
providing a digital computer having a processor, the processor connected to store and receive signals at a memory device, to receive input signals corresponding to input information from an input device, to convert output signals into output information at an output device; and
programming the processor to control the digital computer to receive the input signals and to process the input signals to produce the output signals in storing telephone numbers for a plurality of credit-counseling agencies in memory accessible by said digital computer, storing creditor criteria for selecting one of the credit-counseling agencies, identifying a debtor of the creditor in response to a telephone communication, and selecting one of the credit-counseling agencies by accessing the creditor criteria, applying the creditor criteria, and accessing one of the stored telephone numbers to connect the debtor to the one of the stored telephone numbers.
-
-
32. A computerized method of 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 debtor of a creditor in a manner sufficient to identify a referrer identity corresponding to the creditor, selecting which one of a plurality of credit-counseling agencies to refer the inbound communication by using a computer to look up and to apply creditor referral criteria responsive to the creditor identity, and connecting the inbound communication to the one of the plurality of the credit-counseling agencies in accordance with the creditor referral criteria; and
posting call referral data to the Internet web address.
Specification