Life consists of earning money and spending it on needs and amusement. Earning dollars, pounds and euros is hard work and should be respected by other people, by society. If there is no respect, there are no human relations, no honest competition, no commonwealth at all.

According to this I've got a question: why should we share our money earned so hardy with some dishonest people whose consciences allow them to steal and cheat?

I'm sure, we shouldn't. More than this, I'm sure you agree with me.

E-mankind during its history has developed a couple of tools helping to prevent online fraud. Most of them (AVS and CVV code checking) seem to be of little help for merchants - today it's easy for scammers to get full card details including cardholder's address, phone number, CVV code etc.

And who wants to get chargebacks? We altogether know the answer - no one. Infamous TMF files rises like a black flag over the heads of merchants who were too light-minded in their fraud protection policy.

In looking for a solution to help stop a fraudster and make him switch to another site or (perfect situation) stop scamming once and for all we've created ProveOut.com.

ProveOut's services are based on modern VoIP technology - an automated call to an e-shop's client in real time. It's not an additional tool in AVS checking but an independent service that proves that a phone number provided by a customer in their payment routine is really their physically existing number and he is available by it during the payment process.

The system calls a customer and after a successful connection asks him/her to enter a certain PIN code using their phone keypad (look for details in Services).

The phone number of a customer is checked against a special telephone database that identifies both the area code and the customer's phone number type (landline, mobile, VoIP service such as Skype etc).

So, the main feature of ProveOut's service is a combination of a database search and a telephone call.

In general, ProveOut passes a merchant the following information:

If some of these points mismatches the transaction is flagged as potentially fraudulent (it's not declined at all). In this case the merchant should ask for additional information for verification such as a credit card scan, id scan etc.

So, as you can see, one simple automated call solves the huge problem of verifying a customer's identity.

Hundreds of merchants have already protected themselves, their business and money from fraud using VoIP telephone verification.

The ability of VoIP telephone verification isn't bound by just providing safe credit card processing. It's much larger and includes password verification, content limiting, goods delivery information, automated voice delivering and so on. All these services can significantly ease merchant's and webmaster's everyday work.

I'll tell you about the other VoIP verification opportunities in my next article.

Have a nice day!