Importance

Loading Importance Indicators...

Abstract

A method and system for implementing a call-back verification procedure for a commercial transaction which is presented to the consumer as part of the commercial transaction, i.e., at the website of the merchant, or alternatively, the consumer may be re-directed from the merchant's website to a different website where the call-back verification procedure is initiated. The consumer is required to input their call-back telephone number, along with payment information, such as, for example, a credit card number. The credit card information is then validated and the call-back number is checked to see if prior attempts have been made which were associated with the same call-back number. An automated voice response (AVR) unit is used for further interaction with the consumer and the consumer is asked to input a voice-print which will then be associated with the particular transaction the user is attempting to complete. An optional verification code may be provided to the user, which verification code is associated with the transaction being processed. The voice-print provided by the user is subsequently verified and stored in memory for subsequent use. At a later time, for example when the user calls customer service associated with the particular transaction to dispute the transaction, the voice-print may be retrieved from memory and played back to the user to confirm to the user that they had in fact previously authorized such transaction. The playback of the voice-print for confirmation purposes, may again be implemented from the merchant's website, or alternatively by directing the customer to the website of the verification system, or yet another alternative by which the customer is directed to call a specific telephone number to reach the verification system.

Loading the Abstract Image...

First Claim