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    System for transfering an inbound communication to one of a plurality of credit-counseling agencies
    4.
    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

    申请人： William John Delinsky ,  Timothy James Fish ,  Michael D. Morency ,  David Gary Walker

    发明人： William John Delinsky ,  Timothy James Fish ,  Michael D. Morency ,  David Gary Walker

    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。

    Method of using an apparatus processing phone call routing
    5.
    发明授权
    Method of using an apparatus processing phone call routing 有权

    公开(公告)号：US10230840B2

    公开(公告)日：2019-03-12

    申请号：US14275094

    申请日：2014-05-12

    申请人： Peter K. Trzyna

    发明人： William John Delinsky ,  Timothy James Fish ,  Michael D. Morency ,  David Gary Walker

    IPC分类号： G06Q40/00 ,  H04M3/42 ,  G06Q40/02 ,  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.

    Communications system to automatically refer an inbound communication
    8.
    发明授权
    Communications system to automatically refer an inbound communication 有权
    通信系统自动引用入站通信

    公开(公告)号：US07860785B2

    公开(公告)日：2010-12-28

    申请号：US11780091

    申请日：2007-07-19

    申请人： William John Delinsky ,  Timothy James Fish ,  Michael Dennis Morency ,  David Gary Walker

    发明人： William John Delinsky ,  Timothy James Fish ,  Michael Dennis Morency ,  David Gary Walker

    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。

    COMPUTER SYSTEM TO PRODUCE AND COMMUNICATE OUTPUT DATA TO CARRY OUT A FINANCIAL TRANSACTION COMPRISING A MORTGAGE LOAN
    10.
    发明申请
    COMPUTER SYSTEM TO PRODUCE AND COMMUNICATE OUTPUT DATA TO CARRY OUT A FINANCIAL TRANSACTION COMPRISING A MORTGAGE LOAN 审中-公开
    计算机系统生产和通信输出数据进行包括抵押贷款的财务交易

    公开(公告)号：US20120158573A1

    公开(公告)日：2012-06-21

    申请号：US13018150

    申请日：2011-01-31

    申请人： Greg H. Crocker

    发明人： Greg H. Crocker

    IPC分类号： G06Q40/02

    CPC分类号： G06Q40/02 ,  G06Q40/025 ,  G06Q40/04

    摘要： A machine for producing and communicating output data, via a link over a network, to carry out a financial transaction including a mortgage loan, the machine including a computer configured to receive input data corresponding to a financial transaction including a mortgage loan which includes a financial term, the financial term being a financial term which is subject to change before the financial term has a set value triggered, according to information elicited regarding a potential customer who contemplates the mortgage loan, by a current market rate, produce output data from the input data, store the produced output data in memory, and communicate the produced output data from the memory, via a link over a network to, at least one of a consumer's computer, a broker's computer, a lender's computer, a seller's computer, a securities exchange computer, a trading desk computer, a buyer's broker computer, and an investor's computer so as to carry out the financial transaction including the mortgage loan.

    摘要翻译： 一种生产和传送输出数据的机器，通过网络上的链接进行包括抵押贷款的金融交易，该机器包括计算机，该计算机被配置为接收对应于包括抵押贷款在内的金融交易的输入数据，该抵押贷款包括金融 期限，财务条款是财务条款，在财务条件具有设定值触发之前，根据根据当前市场利率计算抵押贷款的潜在客户获得的信息，从投入产生输出数据 数据，将产生的输出数据存储在存储器中，并且通过网络上的链接将生成的输出数据传送到消费者的计算机，经纪人的计算机，贷方的计算机，卖方的计算机，证券 交换电脑，交易台电脑，买家经纪电脑和投资者电脑，以进行金融交易 抵押贷款。