Methods and Systems for Generating, Qualifying, and Processing Leads
Methods and systems for generating, qualifying, and processing business leads are provided. Additionally, methods and systems are provided for the management of leads based upon various selective criteria for prospective customers of short-term loans and other financial services products. Furthermore, an interactive system and method for centralized lead management and subsequent location-based distribution of leads, accompanied by real-time telephonic verification and call transfer, in an objective, timely, and cost-effective manner, is provided.
1 . A method for generating, qualifying, and processing business leads, the method comprising:
inputting incoming lead data derived from a plurality of lead sources;
storing incoming lead data in a central database;
communicating a message to a prospective customer derived from the incoming lead data that the prospective customer is prospectively eligible for a financial services product at a local retail location geographically proximate to the prospective customer;
contacting the prospective customer;
interviewing, by a customer service representative, the prospective customer to confirm interest and eligibility based on a plurality of predetermined criteria;
conferencing telephonically the customer service representative, a representative from the local retail location, and the prospective customer; and
processing an application for the financial services product at the local retail location with the prospective customer and scheduling an appointment for the prospective customer to visit the local retail location to complete the application for the financial services product.
2 . The method for generating, qualifying, and processing business leads of claim 1 , wherein the incoming lead data is comprised of a prospective borrower lead previously declined for a loan product by a third party provider.
3 . The method for generating, qualifying, and processing business leads of claim 1 , wherein the prospective borrower lead has been previously declined for an online, internet loan product by a third party provider and wherein the prospective borrower lead is rapidly and automatically input into the central database upon being declined by the third party provider.
4 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
screening the incoming lead data to check if a lead is already a customer; and
screening the incoming lead data to check if the lead is a former customer with a negative history.
5 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
confirming that a lead from the incoming lead data has not already been entered into a call queue; and
inputting the confirmed lead into the call queue as a prospective customer.
6 . The method for generating, qualifying, and processing business leads of claim 1 , wherein the message that is communicated to the prospective customer includes contact information for the retail location geographically proximate to the prospective customer, wherein the message states that the prospective customer will shortly receive a call from the customer service representative, and wherein the message states that the prospective customer can call in to a customer service center.
7 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
verifying that a telephone number for the prospective customer is not on a do-not-call list before telephonically contacting the prospective customer.
8 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
electronically communicating a second message to the prospective customer when the prospective customer is unable to be reached telephonically, and wherein the second message includes contact information for the retail location geographically proximate to the prospective customer.
9 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
scripting a call for the customer service representative telephonically contacting the prospective customer, wherein the scripting is state-specific;
providing a first script for a live contact with the prospective customer; and
providing a second script for a follow-up message when unable to make live contact with the prospective customer.
10 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
qualifying the prospective customer, when telephonically contacting the prospective customer and making a live contact, based on a plurality of state-specific criteria including verifying an active checking account, a current employment, and a state-issued identification.
11 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
telephonically contacting the representative from the local retail location to make a preliminary notification that an interested and eligible prospective customer is geographically proximate to the local retail location and is available for an introduction.
12 . The method for generating, qualifying, and processing business leads of claim 11 , further comprising:
providing weather information and map directions to the customer service representative to make available to the prospective customer.
13 . The method for generating, qualifying, and processing business leads of claim 11 , further comprising:
providing cross-sell opportunities to the customer service representative to make available to the prospective customer.
14 . The method for generating, qualifying, and processing business leads of claim 1 , further comprising:
managing and routing prospective customers derived from incoming lead data based upon a plurality of predetermined criteria including geographic location and lead sources.
15 . A system for generating, qualifying, and processing business leads, the system comprising:
a central database to store incoming lead data derived from a plurality of leads sources;
a graphical user interface for use by a customer service representative communicating with prospective customers derived from the incoming lead data; and
a computer readable storage medium encoded with programming configured to:
search the central database;
communicate electronically a message to a prospective customer derived from the incoming lead data that the prospective customer is prospectively eligible for a product at a local retail location geographically proximate to the prospective customer;
prompt the customer service representative to telephonically contact the prospective customer and interview the prospective customer to confirm interest and eligibility based on a plurality of predetermined criteria; and
prompt the customer service representative to conference in telephonically a representative from the local retail location with the prospective customer and transfer the prospective customer to the representative from the local retail location for processing an application for the product and scheduling an appointment for the prospective customer to visit the local retail location to complete the application for the product.
16 . The system for generating, qualifying, and processing business leads of claim 15 wherein the programming is further configured to:
screen the incoming lead data to check if a lead is already a customer and if the lead is a former customer with a negative history;
confirm that a lead from the incoming lead data has not already been entered into a call queue; and
input the confirmed lead into the call queue as a prospective customer.
17 . The system for generating, qualifying, and processing business leads of claim 15 wherein the programming is further configured to:
verify that a telephone number for the prospective customer is not on a do-not-call list before the prospective customer is telephonically contacted;
display a script for a call for the customer service representative to telephonically contact the prospective customer, wherein the script is state-specific;
provide a first script for a live contact with the prospective customer; and
provide a second script for a follow-up message when unable to make live contact with the prospective customer.
18 . The system for generating, qualifying, and processing business leads of claim 15 wherein the programming is further configured to:
prompt the customer service representative to telephonically contact the representative from the local retail location to make a preliminary notification that an interested and eligible prospective customer is geographically proximate to the local retail location and is available for an introduction.
19 . The system for generating, qualifying, and processing business leads of claim 15 wherein the programming is further configured to:
manage and route prospective customers derived from incoming lead data based upon a plurality of predetermined criteria including geographic location and lead sources.
20 . The system for generating, qualifying, and processing business leads of claim 15 wherein the programming is further configured to:
provide weather information and map directions to the customer service representative to make available to the prospective customer; and
provide cross-sell opportunities to the customer service representative to make available to the prospective customer.