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Quiz
1. How many API calls are required for Looking up the Name and Caller Type?
One! /...?Type=caller-name
ABBA's Money, Money, Money
2. What are the use cases we went over today where Twilio can help?
Login, Checkout, and Customer Serv / Experience
3. What are some additional use cases you see where Twilio can help?
(could this be Steven next? :)
Many more!
Use Cases
1. Login
2. Checkout
3. Customer Service
13 financial companies with public case studies - explore and see what they've built!
Questions?
"Let's go power the disruptors!"
Twilio improves!
1. Login - CX with frictionless authentication
2. Checkout - reduce fraud w/ 2FA
3. Customer Service - effective omnichannel communication anywhere
Ready to Build?
Source: https://www.enr.com/blogs/18-crossing-that-bridge-when-we-come-to-it/post/47740-vistiting-ikea-in-sweden
SOURCE: https://customers.twilio.com/?q=industry_categories&c=AAQAAA%3D%3D
Steven: sperez@twilio.com | (213) 777-2323
SE: Geoff.Shin@twilio.com | (415) 941-9906
Sources:
Technical Wonderland
Passive Authentication
Easy, Proven, Secure, and direct Results!
Active Authentication
Lookup Carrier/Device Type cURL w/ JSON Example
curl -X GET 'https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=carrier' \
-u ACXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX:your_auth_token
JSON API Response
{
"caller_name": null,
"carrier": {
"error_code": null,
"mobile_country_code": "310",
"mobile_network_code": "456",
"name": "verizon",
"type": "mobile"
},
"country_code": "US",
"national_format": "(510) 867-5310",
"phone_number": "+15108675310",
"add_ons": null,
"url": "https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=carrier"
}
Lookup Caller Name cURL w/ JSON Example
curl -X GET 'https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=caller-name' \
-u ACXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX:your_auth_token
JSON API Response
{
"caller_name": {
"caller_name": "Delicious Cheese Cake",
"caller_type": "CONSUMER",
"error_code": null
},
"carrier": null,
"country_code": "US",
"national_format": "(510) 867-5310",
"phone_number": "+15108675310",
"add_ons": null,
"url": "https://lookups.twilio.com/v1/PhoneNumbers/+15108675310?Type=caller-name"
}
Create diverse communication workflows easily
SOURCE: https://www.twilio.com/enterprise
(e.g. IVRs, msg bots, agent routing, SMS payment reminders, and lots more!)
1. Merchant (TOMs): "CREATE A NEW CREDIT SESSION" API (@Server)
a. Returns JSON response including:
(See https://developers.klarna.com/api/#payments-api-create-a-new-credit-session)
2. Merchant (TOMs): Load Klarna Widget in checkout using client_token for buyer (@Client)
a. Twilio - Call Lookup API: pass phone number (flag / step up device type: VOIP)
b. Twilio Authy - Customer authenticates using mobile One-Time Password aka OTP (supports both JSON & XML)
1. Create Authy User: pass user's email and/or cell phone number (Returns user's AUTHY_ID)
2. Send an SMS with OTP: pass user's AUTHY_ID
(Note: If the user has the Authy App, by default, the API will not send the 2FA code via SMS or voice. Instead, a push notification will go to the device, prompting the user to start their app to get the code. You can override this behavior.)
3. Verify the Token: pass user's input "TOKEN" with AUTHY_ID (Returns true if TOKEN matches else false)
(See https://www.twilio.com/docs/lookup/tutorials/carrier-and-caller-name#identify-a-phone-numbers-carrier-and-type
& https://www.twilio.com/docs/authy)
c. Customer: Confirms Purchase
3. Merchant (TOMs): "READ AN EXISTING CREDIT SESSION" API details using session_id for authorization_token (@Server)
(See https://developers.klarna.com/api/#payments-api-read-an-existing-credit-session)
4. Merchant (TOMs): "CREATE A NEW ORDER" API using the authorization_token in the URI (@Server)
(See https://developers.klarna.com/api/#payments-api-create-a-new-order)
a. store the order_id given in response JSON for future reference like capture or refunds
b. Merchant (TOMs): REDIRECT Customer to confirmation page using redirect_url from response
CREATE ORDER JSON Successful Response
{
"order_id": "3eaeb557-5e30-47f8-b840-b8d987f5945d",
"redirect_url": "https://payments.klarna.com/redirect/...",
"fraud_status": "ACCEPTED",
"authorized_payment_method":"invoice"
}
SOURCE: https://www.azutura.com/en-us/to-the-enchanted-wood-alice-in-wonderland-wallpaper-wall-mural
Some Important Notes:
APPROVED!
4.
Passive Authentication
Technical Resources:
2.a.
1.
Create diverse communication channels anywhere
denied
Steps to Buying with KP + Twilio:
2.b.
Active Authentication
2.
3.
1. Create Session (Server)
2. Load Klarna Widget w/ Client Token from Session (Client)
a. Twilio: Lookup phone number (passive)
b. Twillio: Authy and Confirm Purchase (Client)
c. Authorizes Purchase (Client)
3. Get Session ID details for Authorization ID (Server)
4. Place Order w/ Authorization ID (Server)
Client Communication/Support
2.a.
2.b.
https://developers.klarna.com/documentation/klarna-payments/use-cases/offering-payment-methods/
Source: https://epayments.developer-ingenico.com/payment-product/ideal/process-flows
https://www.twilio.com/quest
A global payments solution platform based out of Sweden - freeing online shoppers and merchants to choose how and when to pay.
The developer's communication platform - an award winning secret sauce infused of
cloud, web services, and telecommunication.
Some US Products include:
Some Products include:
Most popular in US in the Pay Later category providing:
SOURCE: https://www.klarna.com/us/business/payment-methods/
SOURCE: https://www.twilio.com/products
SOURCE: https://jungleworks.com/sms-voice-api-twilio-vs-nexmo-plivo-sinch-mobile-app-guide/
Sources: -https://trends.builtwith.com/payment/Klarna
-https://trends.builtwith.com/payment/pay-later/country/United-States
Souce: https://www.ecommercepartners.net/blog/payment-solution-comparison-splitit-klarna-affirm-and-afterpay.html
your BANKING CUSTOMERS who want to pay quick & easy
SIMPLIFY CX without jeopardizing security & communication
ONLINE banking, shopping, and customer support in the US
need to integrate ASAP
Twilio + Klarna = the best way to pay!
Project Plan & Critical Questions
Assumptions:
1. Rest API integration
2. using JSON
3. anything else?
Source: http://docs.paytrail.com/images/Paytrail_ConnectAPI.JPG
Democratizing Payments & Communication
Start
© 2020 Geoffrey Shin