Telephonic communications – Telephone line or system combined with diverse electrical... – Having transmission of a digital message signal over a...
Patent
1996-09-04
1998-12-15
Loomis, Paul
Telephonic communications
Telephone line or system combined with diverse electrical...
Having transmission of a digital message signal over a...
379 9309, 379 9311, 379 9312, 379 9325, H04M 1100
Patent
active
058504303
DESCRIPTION:
BRIEF SUMMARY
The invention relates to the method according to the introductory part of claim 1 for customer identification and the method according to claim 9 for the use of a telephone extension of a stationary wire network or a mobile subscription of a mobil network as a payment and/or business terminal.
In the realization of payment transactions and interactive services intended for plenty of users the identification or verification of a sufficiently well-protected undisputed customer is difficult. Tradionally this problem has been solved so, that customers are called to the customer service point of the organization in question, f.ex. a telephone company, in which their identity is checked and simultaneously protection means--business symbol and passwords, are delivered. This is in practice a troublesome, slow and expensive way to create a wide group of identified customers. The purpose of the invention is to provide an improvement for the above-mentioned disadvantages and enable the use and/or opening of a terminal connection, especially a telephone extension, as a business terminal, whereby the customer is identified and the terminal connection is harnessed as an integral part of the identification process. Characteristic features of the invention are show in the accompanying claims.
By the invention it is strived to avoid unnecessary stay of customers in customer service points. The purpose is to raise the identification reliability and the undisputed nature of the use of services to a high level without compromising the easy utilization of the service. It is essential that the customer can after his or her first contact make business by his own telephone extension and it is not necessary for him in any case to visit the customer service. During the first contact the contract provider identifies the customer, whereby during this contact passwords associated with the activated business symbol will be delivered to the customer. These passwords can alternatively be replaced by voice samples, which are used for individual speaker identification.
Upon the identification an addressed letter dispatch--letter secret--and a connection for a certain address can be linked to each other, so that only a beforehand defined person may join the service from a connection fixed in advance. After activation of the business symbol the customer can use identified closed services from any connection.
The invention will be described in the following with reference to the accompanying drawing, in which:
FIG. 1 shows schematically the system according to the invention,
FIG. 2 shows a block diagram of the system.
Knowledge bases or registers comprise a contract database 1, in which are kept all the contracts made with the customer both in the data for required for data processing and in the facsimile form required for filing, identification database 2, in which are kept the data needed for the customer identification and verification, as: customer number, business symbol, passwords 16 and/or voice samples needed for the speaker identification as well as data associated with the status of the business symbol, and customer database 3, in which are kept the customer data required for the customer relation from an address data to customer's bank connection and to which can also be connected information concerning persons outside the clientele.
Database registers 1, 2, 3, 15 and 16 are connected by certain computer protocol f.ex. with a network 14, to which have been linked devices utilizing the information in databases and which also can participate in the telecommunications.
These devices include inter alia a telematic service unit 12 that can also give a notice for sending of a confirmation letter for instance by eKirje, which is abbreviation for an electronic letter, or a computerized answering machine. In this machine a computer, available through the telephone network and identifying DTMF--frequency signals and called in the following as Central Voice Applications Platform, gives the answer. The caller or A-subscriber discusses with the
REFERENCES:
patent: 5003595 (1991-03-01), Collins et al.
patent: 5181238 (1993-01-01), Medamana
patent: 5274695 (1993-12-01), Green
Loomis Paul
Ramakrishnaiah Melur.
Telecom Finland Oy
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