SYSTEM FOR TRANSFERING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF CREDIT-COUNSELING AGENCIES
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.
63 Citations
55 Claims
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1-35. -35. (canceled)
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36. A method of using communication referral system to provide a referral for credit counseling to a user, the method comprising:
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receiving, by a communication referral system comprising a computer, an inbound communication from the user; receiving, by the communication referral system, user information; based, at least in part, on the received user information, querying, by the system, a memory in applying creditor referral criteria to identify at least one credit-counseling agency; and providing, by the communication referral system, a referral for the user to communicate with said at least one identified credit-counseling agency. - View Dependent Claims (37, 38, 39, 40, 41, 42, 43, 44, 45)
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46. A method of using communication referral system to provide a referral for credit counseling to a user, the method comprising:
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receiving, by a communication referral system comprising a computer, an inbound communication from the user; receiving, by the communication referral system, user information; based, at least in part, on the received user information, querying, by the communication referral system, a memory to identify three credit-counseling agencies; and providing, by the communication referral system, a referral which allows the user to communicate with one of the at least three identified credit-counseling agencies. - View Dependent Claims (47, 48, 49, 50, 51, 52, 53, 54, 55)
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Specification