Method of processing a phone call
DCFirst Claim
1. A method of using a communication referral system to provide a user with a referral to a financial assistance provider, the method comprising:
- 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 referral criteria to identify at least one financial assistance provider; and
providing, by the communication referral system, a referral for the user to communicate with said at least one identified financial assistance provider.
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Litigations
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Accused Products
Abstract
A method of processing a phone call, the method including: from a trunk interface, receiving an inbound communication from which a number is detected, the number sufficient to identify a location of a caller, and by a digital electrical computer system including a memory storing phone numbers for a plurality of credit counseling services, querying the memory by using the detected number to select at least three phone numbers for credit counseling services associated with the location of the caller and outputting a sequence of the phone numbers automatically selected for the credit counseling services associated with the location of the caller.
18 Citations
48 Claims
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1. A method of using a communication referral system to provide a user with a referral to a financial assistance provider, 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 referral criteria to identify at least one financial assistance provider; and providing, by the communication referral system, a referral for the user to communicate with said at least one identified financial assistance provider. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method of using a communication referral system to provide a user with a referral to a financial assistance provider, 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 a plurality of financial assistance providers; and providing, by the communication referral system, a referral which allows the user to communicate with one of the identified financial assistance providers. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 37)
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28. A method of processing a phone call, the method comprising:
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from a trunk interface, receiving an inbound communication from a caller, the inbound communication received at an interactive voice response system; receiving a number at the interactive voice response system, the number indicative of a location of the caller; querying a memory using the number to obtain at least one phone number, each said phone number for at least one financial assistance provider associated with the location of the caller, the querying carried out by the interactive voice response system; and automatically connecting, by the interactive voice response system, the inbound communication to an outbound communication line to connect the caller with the at least one phone number for at least one said financial assistance provider associated with the location of the caller. - View Dependent Claims (29, 30, 31, 32, 33, 34, 35)
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36. A method of processing a phone call, the method comprising:
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from a trunk interface, receiving an inbound communication from which a number is detected, the number indicative of a location of a caller, and by a digital electrical computer system comprising a memory storing phone numbers for a plurality of credit counseling services, querying the memory by using the detected number to select at least three phone numbers for credit counseling services associated with the location of the caller and outputting a sequence of the phone numbers automatically selected for the credit counseling services associated with the location of the caller. - View Dependent Claims (38, 39, 40, 41)
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42. A method of processing a phone call, the method comprising:
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from a trunk interface, receiving an inbound communication from a caller using a toll free number, the inbound communication received at an interactive voice response system; receiving, at the interactive voice response system, a number indicative of a location of the caller; querying a memory using the number to identify three credit counseling services, at least one of the credit counseling services associated with the location of the caller, said querying carried out by the interactive voice response system; automatically connecting the inbound communication to an outbound communication line to connect the caller with a phone number of one of the three credit counseling services, said connecting carried out by the interactive voice response system; and storing a record associated with the connection of the inbound communication to one of the three credit counseling services in a database, said storing carried out by the interactive voice response system. - View Dependent Claims (43, 44, 45, 46, 47, 48)
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Specification