Abstract: A process for dynamic routing of customer contacts to service providers includes establishing accounts in a service provider contact system for a plurality of service providers. The plurality of service providers are permitted to bid against one another for providing goods and/or services to a customer. A contact list is created of service providers ranked from a lowest bidder service provider to a highest bidder service provider. A contact is received from a customer and routed from the customer to the lowest bidder service provider on the contact list. The service provider account receiving the contact and fulfilling the transaction is credited the amount bid by the service provider.

Abstract: An on-line forum for auctioning non-performing assets includes offering for auction sale of non-performing assets in a lot of as few as a single asset or a plurality of assets following completion of a third-level registration. Access to a limited amount of information on the on-line forum is permitted without registration. Additional information is accessed following completion of a first level registration. Direct communication is facilitated between one or more registered potential bidders and a registered seller in an on-line discussion forum. Assets offered in the on-line forum auction are bidded upon following completion of second level registration by each potential bidder. Collection assistance may be provided to the on-line forum bidders.

Abstract: The invention provides a process for verifying an on-line registration by telephone. A registrant at least partially completes an on-line registration form at a web-site. During the registration process, the registrant either provides his telephone number, or a verification system telephone number is provided to the registrant. A telephonic connection is established between the registrant and the verification system. A registration code is communicated to the registrant, either through the web-site or via the telephonic connection. The registration code is then input into either the on-line registration form or by telephone into the verification system.

Abstract: After receiving a telephone number, various characteristics of the telephone number are determined. These include, the type of phone associated with the telephone number, the phone carrier of the telephone number, and geographic characteristics of the telephone number. This can be done, for instance, by analyzing the telephone connection or querying a database containing a plurality of telephone numbers and characteristics of each of the telephone numbers. The determination may be used to prevent fraudulent or restricted access to a website or system.

Abstract: 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.

Abstract: 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.

Abstract: 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.