Competitive Advantage

Our patent-pending solutions leverage existing telecommunication and payment infrastructure to deliver 5-factor authentication from two input devices. 

Card-not-present payment card transactions are secured by payment card PINs consumers use every day not some new code, password or impossible to remember one-time PIN. 

Bill Payment is profitably re-born, with effortless delivery of information, control and convenience to consumers.

Identity theft is tamed reduced risks from spyware and malware, as well as data no longer residing on biller's servers.