[Asterisk-Users] merchant account

[Jon Pounder]

> Hey Bret,
>
> Most companies will get around this quandry by assigning their customers
> account numbers. This will then be x-referenced to a DB that contains that
> information (Name, Billing Addy, maybe last 4 SS). If this is not an
> option,
> there is always the "Please say and spell your first and last name after
> the
> tone." But, not too clean from an automation point of view.
>
> Would switching to a CC processor that doesn't require a name be an
> option?
> I remember making international calls years ago by entering only my CC #
> and
> expiration. I am not sure if this is an option any longer.

there is the odd processor that takes just card numbers and expiry dates
without any other information, but these are quickly becoming a thing of
the past with the liability shift from the creditcard companies to the
issuing banks. The only way you get away with just that information is
when its from a "card present" transaction, and the card was actually
swiped.

In the US, there is a military creditcard system that takes very little
information to process, but it is not a mainstream thing, and only very
specific merchants can accept it.

my suggestion is to issue your own "cards" even if they don't physically
exist, the person goes through an application process either with an
operator on the phone, or through a website where all their information is
collected, then they are given an account number and PIN. This is simple
to enter on the phone during use, and corresponds to some method to bill
them. Also note, storing creditcard numbers in such a system is also
becoming a thing of the past as the creditcard companies crack down.
Alternatives are use a payment gateway that does that part for you and you
simply say bill customer X $Y, or have a declining balance account they
must top up, or use an echeck/ACH variation where you are allowed to store
chequing account numbers without a problem (for now anyway).

if you want more information on this, email me offlist

>
> Omar A. Sabek
>
> On 10/20/05, trixter aka Bret McDanel <trixter at 0xdecafbad.com> wrote:
>>
>> On Thu, 2005-10-20 at 22:29 -0400, Omar A. Sabek wrote:
>> > The CC merchant machines I've encountered require entry of the account
>> > number, exp date, total charge, etc. before dialing and transmitting
>> > the data. Even though we are able to pass DTMF successfully through
>> > the gateway, we still make the recommendation that any application
>> > that requires a negotiation phase (ie, fax machines, CC merchant
>> > machines, dial-up modem) remain on a traditional POTS line. And just
>> > like you mention, alternative methods are available including web
>> > access.
>> >
>> > Hopefully, the technological disconnect between voip and dial-up data
>> > transmission will come to pass sooner than later.
>>
>> I should have added one more requirement. Internet authentication like
>> so many do. Although all that I have worked with require the name to be
>> entered as text, something that isnt trivial to do (and asking people to
>> tap out their name via dtmf would be too bothersome).
>>
>> I would like a merchant solution that would work 100% off someone
>> calling into the system and entering their data, authentication will
>> then occur via the internet.
>>
>> --
>> Trixter http://www.0xdecafbad.com Bret McDanel
>> UK +44 870 340 4605 Germany +49 801 777 555 3402
>> US +1 360 207 0479 or +1 516 687 5200
>> FreeWorldDialup: 635378
>>
>>
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>>
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Jon Pounder

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