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JUSTPAY direct uses intuitive technology on Interactive
Voice Response (IVR) telephony.
It is configured remotely by the user to accept
credit, debit and charge cards on an automated telephone system,
to operate on premium rate telephone tariffs, or can be combined
to do both on different numbers.
IVR telephony allows non-web transactions via a
24-hour per day, 7 day per week interface.
A typical call:
Callers to a JUSTPAY Direct service follow
a series of menus by pressing keys on their telephone keypad.
Callers are prompted to make choices of goods or services to be
purchased (can be integrated with an online shopping database)
and are then prompted to enter their card details.
A real-time authorisation request is processed
by the card clearance authority and the caller hears an audio
response confirming the acceptance of the transaction. At this
point, the caller's name and address details are taken as an audio
recording for later transcription and they are given a Unique
Reference Number for the transaction.
Transcription of the audio file for fulfilment
is then carried out (can be done remotely by a client) and the
goods can be despatched.
Should a transaction fail the authorisation
process, an audio file is played to the caller, politely informing
them that they should refer to their card issuer and the call
is ended. Any orders for goods or services are then cancelled.
Premium Rate telephony services
IVR telephony can also be implemented on a Premium
Rate Tariff. Callers to this type of service pay for product or
service by calling a number which charges their telephone bill at
a rate above the standard rate. A range of tariffs is available
including single-charge and per minute rates. A proportion of the
revenue is retained by the telephone network provider (varies according
to tariff).
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