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Incoming Telephone Call Verification Passcode

IP.com Disclosure Number: IPCOM000129161D
Original Publication Date: 2005-Sep-29
Included in the Prior Art Database: 2005-Sep-29
Document File: 2 page(s) / 27K

Publishing Venue

IBM

Abstract

This invention allows the client or customer to create personal call verification passcodes that can be given to business or financial institutions. These verification passcodes can be unique for each different business or account. These passcodes would be used to identify and verify the caller as a legitimate agent of the business. A customer who receives a call where the caller identifies his business and delivers the verification passcode, can know that the caller is a trusted agent for that business. As an extension of this idea, after the caller has delivered the valid passcode, the customer can give back a counter passcode which proves that the correct customer has been reached.

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Incoming Telephone Call Verification Passcode

Frequently these days, personal financial business must be conducted via telephone calls. Often these business calls must be initiated by the business calling a customer or client. One example of this is when a bank or credit card company calls a customer and wishes to discuss the customer's account status or verify purchases or purchase locations which are different from a Customer's usual patterns. However, due to ID theft and telephone scam games it has become impossible to treat an incoming caller that requests financial or personal information as a trustworthy party. It is also undesirable for the caller to verify himself by using personal information about the customer. This information is no longer being made available to all agents of a business (e.g. a foreign call center). Usually, the best response to this kind of call, has been for the customer to call back the business at a know safe telephone number.

What is needed to solve this problem is a personal call verification passcode. This passcode could be used to identify to the customer that the caller is a valid agent for the business that claims to be making the incoming call.

The core idea of this invention is to have the client or customer create personal call verification passcodes that can be given to business or financial institutions. These verification passcodes can be unique for each different business or account. These passcodes would be used to identify and verify the caller as a legitimate agent of the business. A customer who receives a call where the caller identifies his business and delivers the verification passcode, can know that the caller is a trusted agent fo...