Methods, systems, and apparatus for connecting insurance customers with independent insurance agents

1. A centralized call processing system for routing, to independent customer service agents, incoming calls made to a telephone number and for tracking advertising performance, comprising:

at least one electronic processing device;

at least one telephony communications board in communication with the at least one electronic processing device, the at least one telephony communications board providing caller interface functionalities for prompting callers for information; and

a non-transitory data storage device storing instructions that when executed by the at least one electronic processing device result in:

receiving, by the at least one telephony communications board, an incoming call from a caller;

obtaining, by the at least one telephony communications board and from the caller, independent agent selection criteria data, wherein the independent agent selection criteria data comprises a type of technology required to answer the call and an advertisement code descriptive of a particular advertisement;

querying, utilizing the independent agent selection criteria data, a database storing agent information;

identifying, by the at least one electronic processing device and based on the querying of the database storing agent information utilizing the independent agent selection criteria data, one agent from a plurality of independent agents to which the call from the caller is to be routed, wherein the identifying of the one agent from the plurality of independent agents to which the call from the caller is to be routed, comprises:

determining, based on a result of the querying utilizing the independent agent selection criteria data of the database storing agent information, that the type of technology required to answer the call matches the type of technology utilized by the one agent from the plurality of independent agents and that the advertisement code matches a code stored with respect to the one agent from the plurality of independent agents;

determining, by the at least one telephony communications board, that the one agent from the plurality of independent agents is currently available to receive the call from the caller;

initiating, in response to the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, a communication link between the one agent from the plurality of independent agents and the caller; and

storing, in a database and by the at least one electronic processing device, data descriptive of a communication session between the caller and the one agent from the plurality of independent agents.

2. The system of claim 1 , wherein the receiving comprises receiving a signal from a PSTN, and wherein the communication link comprises a link between a caller device connected to the PSTN and an agent device connected to a packet-switched network.

3. The system of claim 1 , wherein the receiving comprises receiving a signal from a PSTN, and wherein the communication link comprises a link between a caller device connected to the PSTN and an agent device connected to the PSTN.

4. The system of claim 1 , wherein the receiving comprises receiving a signal from a packet-switched network, and wherein the communication link comprises a link between a caller device connected to the packet-switched network and an agent device connected to the packet-switched network.

5. The system of claim 1 , wherein the receiving comprises receiving a signal from a packet-switched network, and wherein the communication link comprises a link between a caller device connected to the packet-switched network and an agent device connected to a PSTN.

6. The system of claim 1 , wherein the obtaining of the independent agent selection criteria data comprises prompting the caller, via the caller interface functionalities of the at least one telephony communications board, for the advertisement code.

7. The system of claim 1 , wherein the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, comprises:

querying a database storing general availability information for the plurality of independent agents; and

determining that a current time of the call falls within time data defined by the general availability information stored with respect to the one agent from the plurality of independent agents.

8. The system of claim 1 , wherein the instructions, when executed by the at least one electronic processing device, further result in:

determining, by the at least one electronic processing device, whether the communication session between the caller and the one agent from the plurality of independent agents results in a sale;

storing, in an advertisement tracking database and by the at least one electronic processing device and in relation to the advertising code, an indication descriptive of whether the communication session between the caller and the one agent from the plurality of independent agents results in a sale; and

computing, by the at least one electronic processing device and based on stored indication and other stored data descriptive of whether other calls associated with the advertising code have resulted in sales, a statistical effectiveness measure of the particular advertisement.

9. The system of claim 1 , wherein the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, comprises:

querying, by the at least one telephony communications board, a packet-switched network state associated with the one agent from the plurality of independent agents.

10. The system of claim 1 , wherein the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, comprises:

causing, by the at least one electronic processing device, a current availability prompt pop-up window to appear on a display screen of a computer utilized by the one agent from the plurality of independent agents, the current availability prompt pop-up window prompting the one agent from the plurality of independent agents to verify current availability by providing input via the current availability prompt pop-up window; and

receiving, by the at least one electronic processing device, the input provided by the one agent from the plurality of independent agents.

11. A method for centralized call processing for routing, to independent customer service agents, incoming calls made to a telephone number and for tracking advertising performance, comprising:

receiving, by at least one telephony communications board in communication with at least one electronic processing device, wherein the at least one telephony communications board provides caller interface functionalities for prompting callers for information, an incoming call from a caller;

obtaining, by the at least one telephony communications board and from the caller, independent agent selection criteria data, wherein the independent agent selection criteria data comprises a type of technology required to answer the call and an advertisement code descriptive of a particular advertisement;

querying, by the at least one electronic processing device and utilizing the independent agent selection criteria data, a database storing agent information;

identifying, by the at least one electronic processing device and based on the querying of the database storing agent information utilizing the independent agent selection criteria data, one agent from a plurality of independent agents to which the call from the caller is to be routed, wherein the identifying of the one agent from the plurality of independent agents to which the call from the caller is to be routed, comprises:

determining, based on a result of the querying utilizing the independent agent selection criteria data of the database storing agent information, that the type of technology required to answer the call matches the type of technology utilized by the one agent from the plurality of independent agents and that the advertisement code matches a code stored with respect to the one agent from the plurality of independent agents;

determining, by the at least one telephony communications board, that the one agent from the plurality of independent agents is currently available to receive the call from the caller;

initiating, in response to the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, a communication link between the one agent from the plurality of independent agents and the caller; and

storing, in a non-transitory data storage device and by the at least one electronic processing device, data descriptive of a communication session between the caller and the one agent from the plurality of independent agents.

12. The method of claim 11 , wherein the receiving comprises receiving a signal from a PSTN, and wherein the communication link comprises a link between a caller device connected to the PSTN and an agent device connected to a packet-switched network.

13. The method of claim 11 , wherein the receiving comprises receiving a signal from a PSTN, and wherein the communication link comprises a link between a caller device connected to the PSTN and an agent device connected to the PSTN.

14. The method of claim 11 , wherein the receiving comprises receiving a signal from a packet-switched network, and wherein the communication link comprises a link between a caller device connected to the packet-switched network and an agent device connected to the packet-switched network.

15. The method of claim 11 , wherein the receiving comprises receiving a signal from a packet-switched network, and wherein the communication link comprises a link between a caller device connected to the packet-switched network and an agent device connected to a PSTN.

16. The method of claim 11 , wherein the obtaining of the independent agent selection criteria data comprises prompting the caller, via the caller interface functionalities of the at least one telephony communications board, for the advertisement code.

17. The method of claim 11 , wherein the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, comprises:

querying a database storing general availability information for the plurality of independent agents; and

determining that a current time of the call falls within time data defined by the general availability information stored with respect to the one agent from the plurality of independent agents.

18. The method of claim 11 , further comprising:

determining, by the at least one electronic processing device, whether the communication session between the caller and the one agent from the plurality of independent agents results in a sale;

storing, in an advertisement tracking database and by the at least one electronic processing device and in relation to the advertising code, an indication descriptive of whether the communication session between the caller and the one agent from the plurality of independent agents results in a sale; and

computing, by the at least one electronic processing device and based on stored indication and other stored data descriptive of whether other calls associated with the advertising code have resulted in sales, a statistical effectiveness measure of the particular advertisement.

19. The method of claim 11 , wherein the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, comprises:

querying, by the at least one telephony communications board, a packet-switched network state associated with the one agent from the plurality of independent agents.

20. The method of claim 11 , wherein the determining that the one agent from the plurality of independent agents is currently available to receive the call from the caller, comprises:

causing, by the at least one electronic processing device, a current availability prompt pop-up window to appear on a display screen of a computer utilized by the one agent from the plurality of independent agents, the current availability prompt pop-up window prompting the one agent from the plurality of independent agents to verify current availability by providing input via the current availability prompt pop-up window; and

receiving, by the at least one electronic processing device, the input provided by the one agent from the plurality of independent agents.