How it works:
When users surf merchant sites and wish to buy goods online, they select “BilltoMobile” as their payment option when they check out. They then input their mobile phone number and their own personal identification number (either their voicemail password or last-4 digits of social security number). A six-digit number is sent to their cell phones via text as a One Time Password. They enter this authentication code online, and see the charges in the next month’s wireless bill.
Danal boasts of the increased security of BilltoMobile compared to traditional credit card payment systems online. First, users must enter their cell phone number and a PIN/password; second, they must enter the One Time Password only they have access to. Also, users do not have to divulge their credit card information to any sites they visit.
