Patents by Inventor Michael Dennis Morency

Michael Dennis Morency has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • SYSTEM FOR TRANSFERING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF CREDIT-COUNSELING AGENCIES
    Publication number: 20110060673
    Abstract: 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.
    Type: Application
    Filed: November 1, 2010
    Publication date: March 10, 2011
    Inventors: William John Delinsky, Timothy James Fish, Michael Dennis Morency, David Gary Walker
  • Communications system to automatically refer an inbound communication
    Patent number: 7860785
    Abstract: 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.
    Type: Grant
    Filed: July 19, 2007
    Date of Patent: December 28, 2010
    Inventors: William John Delinsky, Timothy James Fish, Michael Dennis Morency, David Gary Walker
  • System for transferring an inbond communication to one of a plurality of credit-counseling agencies
    Patent number: 7827097
    Abstract: 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.
    Type: Grant
    Filed: October 19, 2000
    Date of Patent: November 2, 2010
    Inventors: William John Delinsky, Timothy James Fish, Michael Dennis Morency, David Gary Walker
  • Analyzing a credit counseling agency
    Patent number: 7761371
    Abstract: 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.
    Type: Grant
    Filed: July 19, 2007
    Date of Patent: July 20, 2010
    Inventors: William John Delinsky, Timothy James Fish, Michael Dennis Morency, David Gary Walker