Since becoming an Obopay user, I’ve noticed that very recently that they have implemented a multi-factor authentication for transactions initiated from their mobile website.  I needed to pay $2.14 to a friend who picked up a lunch for me yesterday: Monday is $1.00 Maid-Rites   When sending the money I received the following (see picture on left) screen, and my phone rang shortly after – requiring me to type in my obopay PIN to complete the transaction.  Very well done!  I know that Chase uses a similar process (out of band verification) for its Internet banking. Authentify is a company that provides a service like this — please leave a comment below if you know of any others.  Also – if you noticed in the picture I’ve updated my Nokia E51 to a Nokia E71 – a very nice phone – (I really missed the QWERTY keyboard)

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