FI107362B - Procedure and system for verifying a transaction - Google Patents

Description

107362

METHOD AND SYSTEM FOR CONFIRMING THE EVENT

The present invention relates to telecommunication systems. In particular, the present invention relates to a new and improved method and system for validating an event in a communication system.

BACKGROUND OF THE INVENTION

Using telephone sales increases as businesses save on sales and marketing costs. The effectiveness of telephone sales is significantly affected by the amount of calls and other information required to reach the customer to establish the trade. Effective telesales is when an order or store can be completed up to 15 times in one call as soon as the customer has decided to order the product. However, the completion of one call transaction requires, firstly, the external monitoring of the transaction and, secondly, the delivery of the transaction-20 transaction agreed by both parties to the buyer's bank. for direct debit. A transactional transaction can also be accepted by a mobile station using a semi-automatic payment service (PAMP).

The problem is to make sure that the trade is done by -. * 25 and that the parties understand the content and terms of the trade in the same way. You also need to make sure that your bank can safely charge. However, few customers are willing to give their bank account number or the like on the phone and there is also the possibility that the customer and / or seller are dishonest. In addition, there is a risk of misuse of the bank account number provided by telephone.

An event can be a trade, contract, order or other event where two parties agree on an event.

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It is an object of the present invention to eliminate or at least significantly alleviate the above problems. j

In particular, the precision of the present invention! It is an object of the present invention to provide a system whereby payment transaction mediation can be carried out | 10 either without transferring the actual account number to the seller or using the account number if it has been assigned by the seller I. When the seller receives the customer number, he v <| :. later retrieve your account number based on your customer number.

With respect to the features of the present invention, reference is made to the claims.

SUMMARY OF THE INVENTION

Methods i 20 according to the present invention relates to an event confirmation method in a communication system including a telephone network which can; j be a fixed or mobile telephone network, a first terminal and a second terminal which are j compatible with the telephone network and connected to a voice network. In addition, the system includes an Automatic Telephone Service System (APJ), which is a compound; i ty a telephone network. Automatic Phone Service Leave ··· j i

the system is a well-known telephone network component in itself! which implements a variety of telephone services autp · j 30 nationally. I

According to the invention, a secret key is transmitted to the subscriber esimerkiksi i, for example by mail or in electronic form, together with the marketing material transmitted to the subscriber. Thereafter, a data connection 35 is established between the first and second terminals, for example, by the seller using the first terminal to call the subscriber to the second terminal »or vice versa. Once the seller and the buyer have agreed on the transaction through a telecommunication connection, the telecommunication connection from the other terminal is continuously transferred to the automated telephone service system. Thereafter, the subscriber transmits the secret code to the automatic telephone service system from the first terminal where the secret code is verified. If the ID is correct, the subscriber will still be asked for a personal unique Customer ID, eg Postini-10, and a transaction or similar event will be confirmed if the Customer ID is correct.

After the transaction has been confirmed, the customer ID is transmitted to a payment system, which is a bank-controlled high security security system 15, and the customer ID is used to retrieve subscriber information such as account number and other necessary information which is forwarded to the order backlog. An event confirmation is generated from the transaction database and sent to the subscriber in electronic form or by letter. The order-20 or event party will be given time to respond to the event confirmation by accepting or rejecting the event. In practice, if a subscriber accepts an order, he / she will not respond to the transaction confirmation in any way, and if he / she does not accept the order, he / she will respond to the ta-25 transaction confirmation by denying or canceling the account. the painting the.

The invention also relates to a system for confirming a case in a telecommunications system described above in connection with the method. According to the invention, the system includes means for transmitting a secret identification number to a subscriber, means for transferring a communication connection from another terminal to an automatic telephone service system, and means for verifying the secret ID and customer ID and confirming the order if the IDs are correct.

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In one embodiment of the invention, the system comprises: means for transmitting a customer ID to the payment system after the transaction is confirmed in the transaction database. The system may also include means for transmitting transaction confirmation to subscriber j electronically, such as by e-mail, fax, or mail.

· The use of any secret messaging protocol or messaging system known to the telephone network or public postal service may be used for sending the secret key code, customer ID, promotional material and other information. In addition, a network other than a conventional telephone network may be used as a terminal equipment and as a telecommunications network or telephone network. j!

An advantage of the present invention is that of the known s ankle is that of the telesales merchant. j the confirmation and transaction will be completed within one call up to direct debit or other debit j 20. In addition, the system according to the invention can safely execute payment transaction \ without giving the actual account number to the merchant] -! le if necessary. ! ; t

A further advantage of the invention is that the invention has <2r I

i 25 can control vendor and subscriber behavior and prevent fraudulent behavior

a. In addition, the invention provides effective benefits of direct debit. I

30 PHOTO LIST

In the following, the invention will be described with reference to i. . Referring to the accompanying drawing, where j i i! Fig. 1 schematically shows one of the features of Figs. ! 35 according to the invention; and i | ! Figures 2a to 2b show a preferred embodiment of the present invention in flow chart form.

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Figure 1 shows a preferred reinforcement system according to the invention. The system includes a first terminal 1 and a second terminal 2 connected to a telephone network 7, which may be a fixed public telephone network 5 (PSTN, Public'Switched Telephone).

Network) or Public Land Mobile Network (PLMN). The telephone network also includes means for transmitting the secret key to the subscriber if the secret key is transmitted electronically. 10 For example, a Short Message Service (SMS) or other format may be used. In addition, the telephone network includes means 9 for transferring a communication connection from the second terminal 2 without interruption to the automatic telephone system 15 APJ.

The system also includes a payment system 6, comprising an automatic telephone system APJ, provided with means for verifying the PIN and the customer ID. In addition, the system 20 includes a transaction log 3 connected to the automated telephone system 10, where an order confirmed by the subscriber's secret number and customer ID or a similar transaction is stored pending the confirmation of successful payment by the payment system 6. Transaction database 3 is transmitted from the database. extensive transaction confirmation, for example by letter 5 or electronically, using the messaging capabilities of the telephone network 7.

The payment system also includes a database 4, 30 which serves as a conversion database and retrieves the subscriber's account information based on the customer ID. In practice, the conversion database is a database managed by the bank and used by the bank to generate a direct debit invoice. Preferably, the entire payment system 6 is owned by the bank, whereby the bank can guarantee and trust the security of the system.

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The invention will now be described with reference to the flowchart shown in Figures 2a and 2b. First, a large secret or a customer will be sent a personal secret ID with the direct marketing material ,! Step 5 10. The secret ID is associated with some customer-identified information in the transaction database, such as a telephone number and / or customer ID, which is later used to authenticate the transaction. Seller i is not aware of the customer's secret ID, so i 10 can control that the telephone vendor is unable to do so. the specter of trade.

Next, the telephone vendor calls the customer, step 11, and during the call, a deal is agreed between the customer and the seller, step 12. If no deal is reached, the procedure is terminated. When trading, s-; it is agreed, makes the seller call forwarding automatic; step 13, which asks the customer for the secret key, step 14. Next | si check if the ID is correct, step 15, and if! 20 that's not right, let's go back to step 14 and ask! customer to re-enter the ID. This can be; repeats three times, for example, after which! i that the customer is not entitled to order and is not protected; lane call. When the customer has entered the correct hour

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25, the automated telephone service system] asks the customer for a customer ID, for example, from a bank, which is customer-specific. Based on the customer ID, the buyer's (payer's) bank can apply for direct debit for the corresponding account number. In step 17, the ci; language and this amendment can be repeated at the same time as above in connection with the secret code I

. - i was repeated. When the customer ID has been correctly received, the order information is passed to transaction database 3 (Figure 35) and bank conversion database 4 (Figure 1). ! j

Once the customer has entered their customer ID and salslij f • · | • · I f 107362 7 its trade mark can be considered to have been accepted by the customer (terms of intention).

Once the customer has approved the transaction on the phone, the bank generates a direct debit transaction, step 19, based on the conversion database 45, which is then forwarded to the customer. From the conversion database, the automated telephone service system notifies the transaction database that a direct debit transaction has been made and that an order confirmation can be sent to customer 10, step 20. Step 21 checks whether the customer responds to the order confirmation and, if reacting, denying or canceling the procedure. If the customer does not respond to the order confirmation in any way, the customer will be deemed to have definitively accepted the 15 transactions and the customer's account will be debited and the product delivered. Thus, in the method, the events entering the conversion base 4 can only come from sources controlled by banks, in this example, an automated call service system.

The invention is not limited solely to the above exemplary embodiments, but many modifications are possible within the scope of the inventive idea defined by the claims.

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Claims (8)

1. A method for verifying a transaction in a municipality in the cation system to which a telephone network (7), a first terminal equipment (1) and oct. A second terminal equipment (2), which terminal equipment is connected to the telephone network, and an automatic telephone service system (APJ), which is connected to the telephone network, characterized in that a secret code number is communicated to the subscriber: a communication connection is established. intermediate; the first terminal equipment and the second terminal equipment; if the transaction is settled through the communication of said communication connection; The communication connection is transmitted uninterrupted! from the second terminal equipment to the automated telephone service system; | the secret code number is conveyed to the au- tomatic telephone service system from the first ter- | The minimum equipment; and if the secret code number is correct, the subscriber's customer ID is requested from the automatic telephone service system and the transaction is verified if the customer ID is correct. :. 25 2. A method according to claim 1, characterized in that the subscriber characteristic is conveyed to the payment system; because of the customer characteristics the subscriber's | data presented; and a transaction verification is conveyed to; subscriber after a direct debit transaction] | tion was formed because of the subscriber's data. j Method according to claim 1 or 2.1, characterized in that the secret code 1 is transmitted in electrical form, such as e-mail, facsimile or similar. j * * • I j <i i! 107362 Method according to claim 1 or 3, characterized in that the secret code 'is conveyed by letter. Process according to any of the preceding claims 1 - 4, characterized in that the transaction verification is transmitted in electronic form. A system for verifying a transaction in a communication system, which includes a telephone network (7), a first terminal equipment (1) and a second terminal equipment (2), which terminal equipment is connected to the telephone network, and an -tical telephone service system (APJ), which is connected to the telephone network, characterized in that the system includes means (8) for conveying the secret code number to the subscriber; means (9) for transmitting the communication connection uninterrupted from the second terminal equipment to the automated telephone service system; 20 and means (10) for checking the secret code and customer identifier and verifying the transaction if the secret code and customer identifier is correct. 7. A system according to claim 6, characterized in that the system includes means (4) for conveying the customer number to the payment system; means (5) for searching the customer characteristics because of the subscriber's data; and means (3) for mediating the verification of the transaction to the subscriber. System according to claim 6 or 7, characterized in that the means (8) are realized by means of a short message service (SMS) of a mobile network.