Abstract: Examples are disclosed related to using verification channels for end-user verification. One example provides a method comprising, in a first verification channel, receiving a first verification request and an end-user mobile number from an enterprise computing system, sending a first-time sign-in request to an end-user computing device, and receiving a first end-user authentication message in response to the first-time sign-in request, and in response, associating a passkey with the end-user mobile number. The method further comprises, in a second verification channel, receiving a second verification request and the end-user mobile number from the enterprise computing system, sending a sign-in message, receiving a second end-user authentication message in response to the sign-in message, and in response to receiving a verification approved response from the end-user computing device, sending the verification approved response to the end-user computing device and/or the enterprise computing system.

Abstract: A pre-collections system identifies debtors when they contact a company for a new purchase. A customer service representative (or other automated process) takes payment for the prior debt in real time. The pre-collections system is tightly integrated with an order processing system. Order processing system channels (web site, IVR, CSR, etc.) are enabled to redirect the customer debtor into a corresponding pre-collections system channel. Customers are routed back seamlessly in real time to the point in the order processing system where they left off. The customer is re-instated immediately when their payment is cleared. The system keeps track of blacklisted customers. Logic determines whether to resubmit an item, reclaim a product or service or to immediately collect upon the debt.