System and method for automated communications session routing in a communications handling system

A computer-implemented method for handling an incoming call, in real-time, the call being placed by a caller to an end user, the method comprising:

• intercepting the incoming call prior to the call reaching the end user;
• obtaining, from an address information database, address information associated with an origination phone number for the incoming call;
• retrieving, from a credit information database, aggregated credit data that is associated with the address information;
• determining a caller profile for the incoming call based on the aggregated credit data;
• identifying an appropriate call-answering unit of the end user based on the caller profile;
• and
• routing the incoming call to the appropriate call-answering unit,
• wherein the aggregated credit data is a depersonalized aggregation of a plurality of individual credit-related attributes associated with the address information for the origination phone number.

A system for handling, in real-time, an incoming call placed by a caller to an end user, the system comprising:

• at least one memory;
• at least one processor in communication with the at least one memory;
• a call handling module stored on the at least one memory and comprising computer software instructions executable by the processor, the call handling module configured to intercept the incoming call prior to the call reaching the end user and determine an aggregated credit score for the incoming call that qualifies the call for at least one of a plurality of call-answering units associated with the end user;
• and
• an address providing module stored on the at least one memory and comprising computer software instructions executable by the processor, the address providing module configured to obtain address information that is associated with an origination phone number of the incoming call,
• wherein the call handling module is further configured to:
• determine the aggregated credit score based on the address information obtained by the address providing module and aggregated credit data associated with said address information, and based on said score, route the incoming call to the at least one of the plurality of call-answering units,
• wherein the aggregated credit data is an depersonalized aggregation of a plurality of individual credit-related attributes associated with the address information for the origination phone number.