Patent ID: 6934849

Claim:
A method for authorizing a commercial transaction between a customer and a goods-and-service provider (GSP) via an authorization service provider, the method including authentication of the customer by comparing a string of words transmitted from the customer with a voice print of the customer stored with the authorization service provider, the method comprising the following steps: a) establishing a telephone link via a communication network between the GSP and the authorization service provider via a router, wherein the router assigns a real telephone number of the authorization service provider to a virtual telephone number, and transmits the GSP's telephone number and a code that is calculated simultaneously by the router and the authorization service provider by means of the same algorithm, b) acceptance of the telephone link by the authorization service provider if the GSP is registered with the authorization service provider under the transmitted telephone number and if the transmitted code is identical to the code calculated by the authorization service provider, c) transmission of a customers identifier from the customer to the authorization service provider via the established telephone link, d) transmission of a string of words to the customer by the authorization service provider e) transmission of the string of words repeated by the customer via the established telephone link, f) conveyance of the amount to be transferred and of any other data that may be necessary for the transaction from the customer to the authorization service provider via the established telephone link, and g) initiating the transaction by the authorization service provider if correspondence between the string of words transmitted from the customer and the stored voice print of the customer is greater than a predetermined threshold value, wherein the verification of correspondence between the repeated string of spoken words and the stored voice print is based on the customers individual voice peculiarities, the initiation of the transaction by the authorization service provider proceeds only if the repeated string of words consists of the same words in the same order as the previously transmitted string of words, and the string of words is unknown to the customer prior to a respective authorization process.