'Tobin()' transforms character or numeric vector into the matrix with 0/1 (absent/present) cells.
Two approaches are in use: through '==' operation and through the conversion into factor.
First approach also constructs new names of variables whereas the second ('convert.names=FALSE') makes variable names from names of factor levels (i.e., labels).
Alternatives: "*dumm*" packages (there are few in CRAN).