Identify Theft Protection by Cell Phone

My Idea serial ID: 00482

Haven't cell phones reached the point where they are so ubiquitous that they can be used as another means to verify identity?

I would like to receive a phone call prior to any purchase being authorized on any of my accounts as an additional level of security. It could be an automated message that says "authorization is being requested for $100 at Sears, Press 1 if you accept, or 2 to deny".

I think we could be able to customize alerts for different situations. Monthly payments could be set to not require authorization, pre-authorization could allow for quick access through a grocery store.

This would also be beneficial to allow or deny access to credit reports.

Wouldn't everyone use this if it were available?