Abstract: A method and system for implementing a call-back verification procedure for a commercial transaction which is presented to the consumer as part of the commercial transaction, i.e., at the website of the merchant, or alternatively, the consumer may be re-directed from the merchant's website to a different website where the call-back verification procedure is initiated. The consumer is required to input their call-back telephone number, along with payment information, such as, for example, a credit card number. The credit card information is then validated and the call-back number is checked to see if prior attempts have been made which were associated with the same call-back number. An automated voice response (AVR) unit is used for further interaction with the consumer and the consumer is asked to input a voice-print which will then be associated with the particular transaction the user is attempting to complete.