Hi, If anyone is interested I've just revamped my telephone authentication system (www.teleauth.com). It's completely rewritten in Ruby (and Rails for the UI). I would greatly appreciate it if some gurus from this list would beta-test the system, and send me some comments. TeleAuth provides a web-service to simplify the process of collecting sensitive information from users over the phone. It can be used to authenticate users, collect credit-card information etc. For an account, e-mail me at: mohit at muthanna dot com. Thanks, Mohit.