One-time password: an innovative payment flow


As advanced in a previous article, the direct operator billing infrastructure is based on two payment flows. The one-time password system, in contrast to header enrichment, requires the shopper to enter his/her phone number manually across the payment window. After that, the server will send him/her a text message via an OTP code. This will be used to go through validation processes, that is, it will be utilised to verify the user’s identity and to complete the payment. As such, direct operator billing is a safe mobile settlement system.


OTP is a safe payment flow

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