A REFERRER-CONTROLLED SYSTEM FOR TRANSFERRING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF FINANCIAL ASSISTANCE PROVIDERS

摘要

A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method includin g 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 t he criteria, applying the criteria, and accessing one of the stored telephone numbers; an d connecting the debtor by telephone to the one of the stored telephone numbers. The syst em 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.