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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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2.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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3.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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