Method of facilitating contact between a consumer and a requesting entity
First Claim
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1. A method, comprising:
- processing, by a facilitator, calls on behalf of a requesting entity;
interacting with a consumer to obtain information from the consumer and forward the obtained information to the requesting entity, wherein the interacting is initiated by the consumer and/or the facilitator via any wired or wireless communication system linking the consumer to the facilitator including at least one of;
an inbound call to the facilitator, an outbound call to the consumer, an email communication with the facilitator, an internet chat with the contact facilitator, a facsimile transaction to the facilitator, an interaction via broadband, an interaction via voice over internet protocol to the facilitator, a interaction via digital/analog television to the facilitator;
wherein the obtained information includes at least one of;
contact information;
index information;
accessing, via the facilitator, a data store using the index information, the data store containing at least one selection criterion of interest to the requesting entity, wherein the selection criterion uses the index information obtained from the consumer and wherein the index information is a credit card number;
wherein accessing the data store includes the facilitator accessing a consumer demographics database storing a demographic profile associated with the consumer;
searching, by an automated programmed electronic computer, a respondent demographics database accessed using the demographic profile, that includes an entry containing sub-fields that specify demographic requirements for an action to be taken;
evaluating, by the automated programmed electronic computer, whether the consumer meets the selection criterion by comparing the consumer'"'"'s demographic profile to the demographic requirements and determining if the consumer is a candidate for the action to be taken while the consumer is interacting with the requesting entity; and
referring the contact information received from the facilitator to the requesting entity based on the evaluating, wherein if the consumer is subject to a collection effort, generating an appropriate alert, and notifying at least a first party that the consumer is subject to the collection effort.
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Abstract
The invention provides a method of facilitating contact between a consumer and a requesting entity, with the method comprising the following steps. During an interaction with the consumer, the method of the invention obtains contact information and index information from the consumer. The method then evaluates whether the consumer meets a selection criterion specified by the requesting entity using the indexing information. A data store entry associated with the consumer can be updated with the contact information. The contact information is then referred to the requesting entity thereby providing the requesting entity with up-to-date contact information.
16 Citations
41 Claims
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1. A method, comprising:
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processing, by a facilitator, calls on behalf of a requesting entity; interacting with a consumer to obtain information from the consumer and forward the obtained information to the requesting entity, wherein the interacting is initiated by the consumer and/or the facilitator via any wired or wireless communication system linking the consumer to the facilitator including at least one of;
an inbound call to the facilitator, an outbound call to the consumer, an email communication with the facilitator, an internet chat with the contact facilitator, a facsimile transaction to the facilitator, an interaction via broadband, an interaction via voice over internet protocol to the facilitator, a interaction via digital/analog television to the facilitator;wherein the obtained information includes at least one of; contact information; index information; accessing, via the facilitator, a data store using the index information, the data store containing at least one selection criterion of interest to the requesting entity, wherein the selection criterion uses the index information obtained from the consumer and wherein the index information is a credit card number; wherein accessing the data store includes the facilitator accessing a consumer demographics database storing a demographic profile associated with the consumer; searching, by an automated programmed electronic computer, a respondent demographics database accessed using the demographic profile, that includes an entry containing sub-fields that specify demographic requirements for an action to be taken; evaluating, by the automated programmed electronic computer, whether the consumer meets the selection criterion by comparing the consumer'"'"'s demographic profile to the demographic requirements and determining if the consumer is a candidate for the action to be taken while the consumer is interacting with the requesting entity; and referring the contact information received from the facilitator to the requesting entity based on the evaluating, wherein if the consumer is subject to a collection effort, generating an appropriate alert, and notifying at least a first party that the consumer is subject to the collection effort. - View Dependent Claims (2, 3, 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, 29, 30, 31, 32, 33, 34, 35)
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36. A method, comprising:
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processing, by a facilitator, calls on behalf of a requesting entity; interacting with a consumer to obtain information from the consumer and forward the obtained information to the requesting entity, wherein the interacting is initiated by the consumer and/or the facilitator via any wired or wireless communication system linking the consumer to the facilitator including at least one of;
an inbound call to the facilitator, an outbound call to the consumer, an email communication with the facilitator, an internet chat with the contact facilitator, a facsimile transaction to the facilitator, an interaction via broadband, an interaction via voice over internet protocol to the facilitator, a interaction via digital/analog television to the facilitator;wherein the obtained information includes at least one of; contact information; index information; evaluating, by an automated programmed electronic computer, whether the consumer is the subject of a collection effort using the indexing information, generating an appropriate alert, and notifying at least a first party that the consumer is subject to the collection effort, wherein the facilitator performs the evaluating based on the index information; referring, by the automated programmed electronic computer, the current contact information from the facilitator to one of a plurality of collection agents involved with the collection effort based on the evaluating; and contacting the consumer by the one of the plurality of collection agents based on the referring.
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37. A method, comprising:
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receiving a contact by a consumer, wherein contact information for the consumer is outdated; obtaining index information from the consumer; providing a facilitator that interacts with the consumer to obtain information from the consumer and forward the obtained information to a requesting entity, wherein the interacting is initiated by the consumer and/or the facilitator via any wired or wireless communication networking system linking the consumer to the facilitator including at least one of;
an inbound call to the facilitator, an outbound call to the consumer, an email communication with the facilitator, an internet chat with the contact facilitator, a facsimile transaction to the facilitator, an interaction via broadband, an interaction via voice over internet protocol to the facilitator, a interaction via digital/analog television to the facilitator;obtaining selection criterion, by an automated programmed electronic computer, using the index information obtained from the consumer and wherein the index information is a credit card number; evaluating, by an automated programmed electronic computer, whether the consumer is subject to a collection effort using the index information; obtaining current contact information from the consumer via the facilitator; notifying a first party, by the automated programmed electronic computer, that the consumer is subject to a collection effort; and providing the first party with the current contact information based on a location of the first party to a location of a calling station of the consumer and based on an area of responsibility assigned to the first party. - View Dependent Claims (38, 39, 40)
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41. A non-transitory computer-readable storage medium comprising instructions for:
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processing, by a facilitator, calls on behalf of a requesting entity; interacting with a consumer to obtain information from the consumer and forward the obtained information to the requesting entity, wherein the interacting is initiated by the consumer and/or the facilitator via any wired or wireless communication system linking the consumer to the facilitator including at least one of;
an inbound call to the facilitator, an outbound call to the consumer, an email communication with the facilitator, an internet chat with the contact facilitator, a facsimile transaction to the facilitator, an interaction via broadband with the facilitator, an interaction via voice over internet protocol with the facilitator, a interaction via digital/analog television with the facilitator;wherein the obtained information includes at least one of; contact information; index information; accessing a data store using the indexing information, the data store containing at least one selection criterion of interest to the requesting entity, wherein the selection criterion uses the index information obtained from the consumer and wherein the index information is a credit card number; wherein accessing the data store includes the facilitator accessing a consumer demographics database storing a demographic profile associated with the consumer; searching a respondent demographics database accessed using the demographic profile, that includes an entry containing sub-fields that specify demographic requirements for an action to be taken; evaluating whether the consumer meets the selection criterion by comparing the consumer'"'"'s demographic profile to the demographic requirements and determining if the consumer is a candidate for the action to be taken while the consumer is interacting with the requesting entity; and referring the contact information to the requesting entity based on the evaluating, wherein if the consumer is subject to a collection effort, generating an appropriate alert, and notifying at least a first party that the consumer is subject to the collection effort.
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Specification