1. User makes MOTO/WO purchase with merchant and attempts to pay using branded card
   
   


2. Merchant systems recognise user as an ID checker™ user and forwards payment request and information to HiPAAS for ID verification
   
   


3. HiPAAS sends SMS to user to request password confirmation of purchase from registered mobile phone
   
   


4. User responds to SMS, inserting password to validate purchase
   
   


5. HiPAAS verifies the identity of the user by matching the mobile number and password with the user’s records stored in the database
   
   


6. HiPAAS forwards successful payment authentication information to merchant
   
   


7. Merchant processes payment
   
   

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