Patents granted to Boloro in 49 countries including the U.S., Canada, and Russia, and pending in 38 additional jurisdictions including the European Union and China, cover multifactor authentication of payments and other transactions using real-time flash messages on the USSD (unstructured supplementary service data) signal channel to request PIN authentication. The signal channel is available on every mobile telephone in the world. Voice and data operate on a telephone’s media channel. Every phone number in the world is unique. Boloro’s platform adds a self-selected PIN to provide end-t...