| 摘要 |
This invention relates in general to mobile commerce, and more specifically to a system and method that uses a combination of SMS messages and voice channel communication to convey user account authentication and/or user account details. By using this invention, sending authentication information of the user over SMS is avoided. The user interacts with the commerce server system by exchanging SMS messages to identify the product he wants to buy and to issue the request to buy the product. To obtain the authentication information from the user, the commerce server system either initiates a voice call to the user or asks the user to call the system. Once the voice call is established, authentication information is obtained over the voice call by the user entering the information on the mobile's keypad and the commerce server system detecting the entered information and completing the commerce transaction if the authentication information is accurate.
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