SIM cards are the smart chips in telephones that provide sufficient security to telecom companies to approve calls that begin in one part of the world and end in another without any friction related to the user’s identity in between. Payfone secures transactions including reset of passwords, logging into accounts from mobile devices and laptops, call center sessions, and customer applications, by leveraging the 128-bit encryption in SIM cards as well as by accessing the telecom infrastructure used worldwide by nearly 800 mobile network operators (MNOs), and “signals” from utilities, bank...