> Take a look at Boojum Mobile -- it is
> precisely the idea of using the cell
> phone as an out-of-band chanel for an
> in-band transaction.
> http://www.boojummobile.com

In the foreseeable future, this approach won't stop fraudulent
transactions because the one-time password does not depend on the
transaction content.  Anything which doesn't display essential parts
of the transaction contents to the end user over a trusted channel is
doomed to failure.

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