Hindu Businessline ICICI Bank is gearing to conduct a test run next month. The bank has tied up with Airtel and mChek for the purpose, said Mr Sachin Khandelwal, Head – Cards Product Group of ICICI Bank. “A virtual card will be created on the phone through which an individual can carry out complete banking transactions.” Mr Khandelwal said all a customer had to do was to give his mobile number and the payment to be made to the merchant. The merchant will furnish the information given via his mobile to mChek, a mobile payment platform, which in turn will channel it to the bank for authorising the transaction, before which mChek will seek customer authorisation (PIN entered authorisation) to carry forward the transaction.