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    Process for dynamic routing of customer contacts to service providers in real time
    2.
    发明授权
    Process for dynamic routing of customer contacts to service providers in real time 有权
    将客户联系人实时动态路由到服务提供商的流程

    公开(公告)号：US07953416B2

    公开(公告)日：2011-05-31

    申请号：US11162592

    申请日：2005-09-15

    申请人： Shlomo Gonen ,  Jonathan A. Gonen ,  Danny Rosen

    发明人： Shlomo Gonen ,  Jonathan A. Gonen ,  Danny Rosen

    IPC分类号： H04W40/00

    CPC分类号： H04M15/8044 ,  G06Q10/087 ,  G06Q30/04 ,  H04M15/00 ,  H04M15/49 ,  H04M15/51 ,  H04M15/805 ,  H04M2215/0168 ,  H04M2215/42 ,  H04M2215/46 ,  H04M2215/54 ,  H04M2215/745 ,  H04M2215/7457

    摘要： A dynamic contact routing system includes establishing a plurality of service provider accounts. The service providers submit bids for a per-contact charge. A contact list is created wherein the service providers are ranked from the highest bidder to the lowest bidder. A contact received from a potential customer is routed to the highest ranked bidder service provider on the contact list. If the contact is not responded to or rejected, the contact is rerouted to the next highest ranked service provider on the contact list. The service provider's account who has received the contact is charged the pre-contact amount by that service provider.

    摘要翻译： 动态联系路由系统包括建立多个服务提供商帐户。 服务提供商提交每次联络费用的出价。 创建联系人列表，其中服务提供商从最高出价者排名到最低出价者。 从潜在客户收到的联系人将路由到联系人列表中最高排名的出价者服务提供商。 如果联系人没有响应或拒绝，联系人将重新路由到联系人列表中的下一个最高排名的服务提供商。 接收到联系人的服务提供商的帐户由该服务提供商收取预联系金额。

    Process for dynamic call routing in real time
    4.
    发明授权
    Process for dynamic call routing in real time 有权
    实时动态呼叫路由进程

    公开(公告)号：US07076037B1

    公开(公告)日：2006-07-11

    申请号：US11020375

    申请日：2004-12-22

    申请人： Shlomo Gonen ,  Jonathan A. Gonen ,  Danny Rosen

    发明人： Shlomo Gonen ,  Jonathan A. Gonen ,  Danny Rosen

    IPC分类号： H04M15/00 ,  H04M7/00

    CPC分类号： H04M15/8044 ,  G06Q10/087 ,  G06Q30/04 ,  H04M15/00 ,  H04M15/49 ,  H04M15/51 ,  H04M15/805 ,  H04M2215/0168 ,  H04M2215/42 ,  H04M2215/46 ,  H04M2215/54 ,  H04M2215/745 ,  H04M2215/7457

    摘要： A dynamic call routing system includes establishing a plurality of service provider accounts. The service providers submit bids for a per-call charge. A call list is created wherein the service providers are ranked from the highest bidder to the lowest bidder. A telephone call received from a potential customer is routed to the highest ranked bidder service provider on the call list. If the call is not answered or rejected, the call is rerouted to the next highest ranked service provider on the call list. The service provider's account who has received the telephone call is charged the pre-call amount bid by that service provider.

    摘要翻译： 动态呼叫路由系统包括建立多个服务提供商帐户。 服务提供商提交每次通话费用的出价。 创建呼叫列表，其中服务提供商从最高出价者排序到最低出价者。 从潜在客户收到的电话被呼叫到呼叫列表上的最高排名的出价者服务提供商。 如果呼叫没有被应答或拒绝，则呼叫被重新路由到呼叫列表上的下一个最高排名的服务提供商。 接收到电话的服务提供商的帐户由该服务提供商收取预先呼叫金额的出价。

    METHOD FOR PROCESSING AND FUNDING SHORT-TERM LOANS TO A CONSUMER AND A METHOD FOR CONVERTING CURRENCY, BOTH TO A MOBILE CREDIT STORAGE FACILITY ACCOUNT
    6.
    发明申请
    METHOD FOR PROCESSING AND FUNDING SHORT-TERM LOANS TO A CONSUMER AND A METHOD FOR CONVERTING CURRENCY, BOTH TO A MOBILE CREDIT STORAGE FACILITY ACCOUNT 审中-公开
    向消费者处理和资助短期贷款的方法和将货币转换为移动信贷存储设备帐户的方法

    公开(公告)号：US20120239553A1

    公开(公告)日：2012-09-20

    申请号：US13421737

    申请日：2012-03-15

    申请人： Jonathan A. Gonen ,  Shlomo Gonen ,  David Gonen

    发明人： Jonathan A. Gonen ,  Shlomo Gonen ,  David Gonen

    IPC分类号： G06Q20/40 ,  G06Q20/32

    CPC分类号： G06Q40/02

    摘要： A system for processing and funding short-term loans to a mobile credit storage facility account, including providing currency exchange services to the mobile credit storage facility account. Loan types include short-term loans, payday loans, micro credit loans, mobile telecommunication carrier top-off loans and overdraft loans. Loans may be based on an applicant's loan application, history of employment or mobile money creditworthiness including mobile money historical transactions and mobile phone company records. Loan funds may be deposited directly to the consumer's account that is associated with his/her mobile device. They may also be automatically debited for various payments. The consumer's mobile device telephone or IMEI number is used as a unique identifier to established and analyze a credit history and to facilitate the mobile money transactions.

    摘要翻译： 一种处理和资助流动信贷存储设施账户短期贷款的系统，包括向流动信贷存储设施账户提供货币兑换服务。 贷款类型包括短期贷款，工资日贷款，微型信贷贷款，移动电信运营商补贴贷款和透支贷款。 贷款可以基于申请人的贷款申请，就业历史或移动货币信用，包括手机资金历史交易和手机公司记录。 贷款资金可以直接存入与他/她的移动设备相关的消费者帐户。 他们也可能会自动借记各种付款。 消费者的移动设备电话或IMEI号码被用作建立和分析信用记录并促进移动货币交易的唯一标识符。

    PROCESS FOR OBTAINING EXPERT ADVICE ON-DEMAND
    8.
    发明申请
    PROCESS FOR OBTAINING EXPERT ADVICE ON-DEMAND 有权
    获取专家意见要求的过程

    公开(公告)号：US20080147741A1

    公开(公告)日：2008-06-19

    申请号：US11958855

    申请日：2007-12-18

    申请人： Shlomo Gonen ,  Jonathan A. Gonen ,  David Gonen ,  Darren Berkovitz ,  Stacy Stubblefield

    发明人： Shlomo Gonen ,  Jonathan A. Gonen ,  David Gonen ,  Darren Berkovitz ,  Stacy Stubblefield

    IPC分类号： G06F17/30

    CPC分类号： G06Q50/22 ,  G06Q10/06 ,  G06Q10/087 ,  G06Q10/10

    摘要： Obtaining expert advice on-demand includes maintaining a substantially real-time list of available experts in selected fields, in an electronic database. The system receives a request from a customer for expert advice in one or more of the selected fields maintained in the electronic database. The system then electronically identifies one or more available experts to the customer in response to the request received and routes the request for expert advice to at least one of the available experts.

    摘要翻译： 根据需要获得专家意见包括在电子数据库中维护选定领域的可用专家实质性实时列表。 系统在一个或多个维护在电子数据库中的所选字段中接收来自客户的请求以获得专家意见。 该系统然后响应于所接收的请求向客户电子地识别一个或多个可用的专家，并将请求专家咨询路由到至少一个可用的专家。