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Posted by / 17-Jun-2020 20:40

Pay by phone adult dating

Near-field communication (NFC) is used mostly in paying for purchases made in physical stores or transportation services.A consumer using a special mobile phone equipped with a smartcard waves his/her phone near a reader module.Most transactions do not require authentication, but some require authentication using PIN, before transaction is completed.The payment could be deducted from a pre-paid account or charged to a mobile or bank account directly.After two-factor authentication involving the consumer's mobile number and a PIN or One-Time-Password (often abbreviated as OTP), the consumer's mobile account is charged for the purchase.It is a true alternative payment method that does not require the use of credit/debit cards or pre-registration at an online payment solution such as Pay Pal, thus bypassing banks and credit card companies altogether.In addition, if the payment vendor can automatically and securely identify customers then card details can be recalled for future purchases turning credit card payments into simple single click-to-buy giving higher conversion rates for additional purchases.The consumer uses the mobile billing option during checkout at an e-commerce site—such as an online gaming site—to make a payment.

In developing countries mobile payment solutions have been deployed as a means of extending financial services to the community known as the "unbanked" or "underbanked", which is estimated to be as much as 50% of the world's adult population, according to Financial Access' 2009 Report "Half the World is Unbanked".Remembering keywords is not required since sessions are initiated by the enterprise to establish a transaction specific context.Reply messages are linked to the proper session and authenticated either synchronously through a very short expiry period (every reply is assumed to be to the last message sent) or by tracking session according to varying reply addresses and/or reply options.Mobile payment (also referred to as mobile money, mobile money transfer, and mobile wallet) generally refer to payment services operated under financial regulation and performed from or via a mobile device.Instead of paying with cash, cheque, or credit cards, a consumer can use a mobile to pay for a wide range of services and digital or hard goods.

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Since SMS lacks end-to-end encryption, such solutions employ a higher-level security strategies known as 'tokenization' and 'target removal' whereby payment occurs without transmitting any sensitive account details, username, password, or PIN.

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