One financial service that creates an ecosystem for secure mobile payments is called mchek. The easy-to-use service links the mobile phone to Visa or Mastercard to pay postpaid mobile bills, recharge prepaid mobile, book movie tickets, bus tickets, flight tickets, pay electricity bills, insurance premium and DTH TV bills without your having to stand in long queues. The process involves sending a message to the designated short code and downloading an application. You can also visit the mchek website to register and generate a special PIN. Then, you can register your credit card using its CVV number and you are ready to make your payments. Although the company claims the service to be operator-independent, we tried installing mchek using an Idea Cellular number and it failed. However, the service works well with Airtel. The service is secure since you have to key in your Pin for every transaction. As with MPIN, entering the mchek pin incorrectly three times leads to temporary blocking of your account.