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公开(公告)号：US08725630B1
公开(公告)日：2014-05-13
申请号：US13532479
申请日：2012-06-25
IPC分类号： G06Q40/00
CPC分类号： H04M3/42059 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/08 , H04M3/493
摘要： 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.
摘要翻译： 一种处理电话呼叫的方法，所述方法包括：从中继接口接收检测到号码的入站通信，足以识别呼叫者的位置的号码，以及数字电子计算机系统，包括存储器 用于多个信用咨询服务的电话号码，通过使用检测到的号码来查询存储器，以选择与呼叫者的位置相关联的信用咨询服务的至少三个电话号码，并输出自动选择用于信用咨询的电话号码的序列 与呼叫者的位置相关联的服务。
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公开(公告)号：US07860785B2
公开(公告)日：2010-12-28
申请号：US11780091
申请日：2007-07-19
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q10/063112 , G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： A machine, computer-readable media, and method using a communications system to automatically refer an inbound communication. The communications system includes a computer and a call-routing database in a memory operably associated with the computer. The method and operations include: receiving an inbound communication with the communications system; capturing information associated with the inbound communication and using the captured information in a search of the call-routing database; if the database reveals a previous successful referral associated with the captured information, routing the inbound communication to a same outbound communications path as used in the previous successful referral; if the database does not reveal a previous successful referral associated with the captured information and if the database reveals call-routing criteria associated with the captured information, routing the inbound communication to an outbound communications path selected in accordance with said call-routing criteria; and if the database does not reveal a previous successful referral associated with the captured information and if the database does not reveal call-routing criteria associated with the captured information, routing the inbound communication to an outbound communications path.
摘要翻译： 一种使用通信系统自动引用入站通信的机器，计算机可读介质和方法。 通信系统包括与计算机可操作地相关联的存储器中的计算机和呼叫路由数据库。 该方法和操作包括：接收与通信系统的入站通信; 捕获与所述入站通信相关联的信息并且在所述呼叫路由数据库的搜索中使用所捕获的信息; 如果数据库显示与捕获的信息相关联的先前成功的推荐，则将入站通信路由到与先前成功转介中使用的相同的出站通信路径; 如果数据库没有显示与捕获的信息相关联的先前成功的推荐，并且如果数据库显示与捕获的信息相关联的呼叫路由准则，则将入站通信路由到根据所述呼叫路由选择标准选择的出站通信路径; 并且如果数据库没有显示与捕获的信息相关联的先前成功的推荐，并且如果数据库没有显示与捕获的信息相关联的呼叫路由准则，则将入站通信路由到出站通信路径。
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3.发明申请PROCESSING A PHONE CALL FROM A TRUNK INTERFACE WITH AN INTERACTIVE VOICE RESPONSE APPARATUS 有权处理来自具有交互式语音响应设备的TRUNK接口的电话呼叫公开(公告)号：US20140247930A1
公开(公告)日：2014-09-04
申请号：US14275026
申请日：2014-05-12
CPC分类号： H04M3/42059 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/08 , H04M3/493
摘要： A method of processing a phone call, the method including: from a trunk interface, receiving an inbound communication from a caller, the inbound communication received at an interactive voice response system; at the interactive voice response system, receiving a number associated with the inbound communication, the number indicative of a location of the caller; querying a memory containing call referral data for each of a plurality of services, using the number, to obtain a phone number for one of the services associated with the location of the caller, the querying carried out by the interactive voice response system; and connecting, by the interactive voice response system, the inbound communication to an outbound communication line to connect the caller with the phone number for the one of the services associated with the location of the caller.
摘要翻译： 一种处理电话呼叫的方法，所述方法包括：从中继接口接收来自呼叫者的入站通信，在交互式语音响应系统处接收的入站通信; 在所述交互式语音响应系统中，接收与所述入站通信相关联的号码，所述号码指示所述呼叫者的位置; 使用所述号码查询包含多个服务中的每一个的呼叫转介数据的存储器，以获得与所述呼叫者的位置相关联的服务之一的电话号码，所述交互式语音响应系统执行的查询; 并且通过交互式语音响应系统将入站通信连接到出站通信线路，以将呼叫者与用于与呼叫者的位置相关联的服务之一的电话号码连接。
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公开(公告)号：US20140247929A1
公开(公告)日：2014-09-04
申请号：US14275094
申请日：2014-05-12
CPC分类号： H04M3/42059 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/08 , H04M3/493
摘要： A method of using a system processing phone call routing, the method including: automatically capturing, by a computer system, call data for each of a plurality of phone calls utilizing a toll free number and routed as referrals to a service, which engages accounting software to automatically track compensation for the referrals by generating an association of the captured phone call data for each of the referrals with compensation for connecting the referrals so as to distinguish the service from phone call referral data and compensation for a plurality of other services receiving other referrals, the engaging initiating digital reporting, via an Internet address, which includes generating, from the association, call referral information related to the service and said compensation for the referrals to the service.
摘要翻译： 一种使用系统处理电话路由的方法，所述方法包括：通过计算机系统自动捕获利用免费电话号码的多个电话呼叫中的每一个的呼叫数据，并将其作为转介路由到服务，该服务与会计软件 通过产生针对每个推荐人的所捕获的电话呼叫数据的关联来自动追踪转介的补偿，并补偿连接转介，以便将服务与电话呼叫推荐数据区分开来，并为接收其他转介的多个其他服务进行补偿 通过因特网地址引入数字报告，其包括从该协会产生与该服务相关的呼叫转介信息以及针对该服务的转介的所述补偿。
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5.发明授权System for transfering an inbound communication to one of a plurality of credit-counseling agencies 有权将入站通信转移到多个信用咨询机构之一的系统公开(公告)号：US08209257B2
公开(公告)日：2012-06-26
申请号：US12917401
申请日：2010-11-01
IPC分类号： G06Q40/00
CPC分类号： H04M3/42059 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/08 , H04M3/493
摘要： 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.
摘要翻译： 一种用于基于贷款人标准将电话通信引导到多个财务援助提供者中的一个的系统，所述方法包括以下步骤：将多个财务援助提供者的电话号码存储在可由数字电子计算机访问的存储器中; 获得贷款人标准以选择其中一个财务援助提供者; 存储由所述计算机访问的所述准则; 识别债务人; 通过访问标准，应用标准和访问所存储的电话号码之一来选择财务援助提供者之一; 并通过电话将债务人连接到存储的电话号码之一。 该系统可以与检测到足以识别引荐来源身份的参考信息的中介一起使用，以选择几个财务援助提供者中的哪一个通过使用计算机查找来引用入站通信并且响应于引用者身份应用转诊标准 ，并形成和跟踪呼叫转介。
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6.发明申请SYSTEM FOR TRANSFERING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF CREDIT-COUNSELING AGENCIES 有权将接收通信转移到信用通信机构多元化之一的系统公开(公告)号：US20110060673A1
公开(公告)日：2011-03-10
申请号：US12917401
申请日：2010-11-01
IPC分类号： G06Q40/00
CPC分类号： H04M3/42059 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/08 , H04M3/493
摘要： 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 referralcriteria responsive to the referrer identity, and to form and track the call referral.
摘要翻译： 一种用于基于贷款人标准将电话通信引导到多个财务援助提供者中的一个的系统，所述方法包括以下步骤：将多个财务援助提供者的电话号码存储在可由数字电子计算机访问的存储器中; 获得贷款人标准以选择其中一个财务援助提供者; 存储由所述计算机访问的所述准则; 识别债务人; 通过访问标准，应用标准和访问所存储的电话号码之一来选择财务援助提供者之一; 并通过电话将债务人连接到存储的电话号码之一。 该系统可以与检测到足以识别引荐来源身份的参考信息的中介一起使用，以选择几个财务援助提供者中的哪一个通过使用计算机查找来引用入站通信并且响应于引用者身份应用转诊标准 ，并形成和跟踪呼叫转介。
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7.发明授权System for transferring an inbond communication to one of a plurality of credit-counseling agencies 有权将绑定通信传送到多个信用咨询机构之一的系统公开(公告)号：US07827097B2
公开(公告)日：2010-11-02
申请号：US09692697
申请日：2000-10-19
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q10/063112 , G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： 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.
摘要翻译： 一种用于基于贷款人标准将电话通信引导到多个财务援助提供者中的一个的系统，所述方法包括以下步骤：将多个财务援助提供者的电话号码存储在可由数字电子计算机访问的存储器中; 获得贷款人标准以选择其中一个财务援助提供者; 存储由所述计算机访问的所述准则; 识别债务人; 通过访问标准，应用标准和访问所存储的电话号码之一来选择财务援助提供者之一; 并通过电话将债务人连接到存储的电话号码之一。 该系统可以与检测到足以识别引荐来源身份的参考信息的中介一起使用，以选择几个财务援助提供者中的哪一个通过使用计算机查找来引用入站通信并且响应于引用者身份应用转诊标准 ，并形成和跟踪呼叫转介。
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公开(公告)号：US07761371B2
公开(公告)日：2010-07-20
申请号：US11780401
申请日：2007-07-19
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q10/063112 , G06Q20/10 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： A method of analyzing a credit counseling agency, the method including: automatically capturing, with a computer system, respective call data for each of a plurality of telephone calls with a credit counseling agency, each said call with a respective debtor associated by the computer system with a respective creditor; and processing, with the computer system, the automatically captured respective call data to produce a report which analyzes the credit counseling agency.
摘要翻译： 一种分析信用咨询机构的方法，所述方法包括：利用计算机系统自动地与信用咨询机构针对每个电话呼叫各自的呼叫数据，每个所述呼叫与由计算机系统相关联的相应债务人 与各自的债权人; 并且利用计算机系统处理自动捕获的各个呼叫数据以产生分析信用咨询机构的报告。
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