Currently, credit card authentication is done through password or signature verification method in most cases. However, this is an simple verification method that can easily cause security problems during transaction. Under such circumstance, Donjin Tech and its partners designed and developed a simple, easy to use and secure voice value-added service platform based “Gold Guard-Payment via Mobile Phone” solution especially for Shenzhen Development Bank.

This new and low cost electronic payment and settlement service comprise two parts of the merchant (enterprise) and the client, in which, when enterprise (merchant) access to Internet and log in the mobile phone payment platform of Shenzhen Development Bank and input their ID and the consumption amount, Gold Guard system will automatically call the client mobile phone via Donjin Voice Card. The client receives the call through his mobile phone and input the mobile phone payment transaction password according to the voice instruction, then the merchant (enterprise) will display the transaction result, and at the time the system will send the transaction information to the client in SMS. When a client is handling with password required POS purchase, ATM teller and UnionPay online payment transactions that have a transaction amount beyond the preset limit, Gold Guard system will immediately call the client mobile phone through the voice value-added service comprehensive platform to confirm the transaction so as to effectively protect the client’s money from theft. By making full use of mobile phone functions which are highly private that has nothing to do with password, this system enables client's money be being stolen thoroughly impossible and greatly minimize costs and risks that normally exist in transaction with cash for both enterprises and clients.

As for enterprise (merchant), due to the use of telecom voice value-added technique, the anti-counterfeit system for the entire system realizes authentication standard flow and automation and decrease implementation cost. In addition, this application has no need for hardware and software development, equipment investment or deposit and monthly rental for lease, bringing enterprises easily cross the threshold of e-payment, which greatly saves account settlement cost. By using this thoroughly new service, enterprises (merchants) have equipped with the ability to complete purchase transaction with clients easily and highly efficiently, and eventually realized marketing expansion and sharp revenue increase.

In recent years, Donjin Tech has gained wide reputation from its colleagues in the field of voice value-added service due to its foresight and perspicacity. It is the first one who launched polyphonic ringtone, telephone QQ, BGM, super wow (magic voice) and other individual value-added service, in addition, it developed a number of purpose specific industrial value-added services, such as call center, secretary platform, call missing protection, super wow (magic voice) and voice navigation, etc. These value-added services platforms are customized, integrated and comprehensive solutions targeted on different geographic regions, different operators and different characteristics of enterprises by Donjin Tech and its partners after they have made deep research on the clients’ varied demands while seeking for the common basis.