MSL Wallet, a free app for iPhone and Android,
provides single use tokens for payment
processing and web site logins to stop data breaches and web site hacking.
With applicable hardware finger print verification is also done.
Merchants canít save or transmit sensitive information.
Process is based on US Patents 8,505,079 - 8,533,802 - 8,566,957 - 8,695,071 -
8,713,656 - 8,800,014, 9,112,847 and 9,584,499.
Move the mouse over any one of the Application Icon displayed below to view the
Functions under each Application.
Click on any of the Function within any Application to view the details of the
Function in a Pop-Up window.
1 billion data records have been breached since 2005 because Merchants were are able to save
and or transmit sensitive information.
MSL Wallet by MySingleLink, a free app for iPhone and Android devices,
provide Single Use Tokens known as Single Use Digital Signature (SUDS) for payment
processing and web site logins. This would stop data breaches
and web site hacking once and for all.
With 'MSL Wallet' sensitive information like credit card numbers or their tokens cannot be
transmitted or saved including within the cell phone. The sensitive information is only
saved in a PCI Compliant and highly secured Gateway and can be transmitted only from the Gateway
to processing networks like Visa, MasterCard, American Express and Discover.
Using MSL Wallet is as easy as 1, 2, 3.
1. Consumer scans/enters MSL Code to receive a random number
2. Consumers have to authenticate with their finger print
whereever finger print authentication is available.
Example: iPhone Touch Id
2. Consumer replaces '*' in the random number with their own PIN to
create a Single Use Digital Signature (SUDS) which is a Single Use Token.
SUDS is only a 6 digits number.
3. SUDS is used by the Merchant to process the transaction
Flow diagram on How it Works
Additional Security using Image Verification
MSL Wallet can be used to transact with unlimited number of Merchants
for unlimited number of applications.
Following are some of the applications currently available:
Web Site Login
Credit/Debit/Gift Card payment
On Demand Information and Videos
Scroll up to view the Application Icons and following the directions to view
Functions in each Application and details of each Function.
MSL Wallet does not require any special hardware and works with the hardware that is already
been used by Merchants.
Following are some of the methods to use MSL Wallet.
Face to Face Transactions:
Merchants use Credit Card Terminals or Virtual Terminals, POS systems or MSL POS App.
Merchant displays a QR Code at any number of places
Consumers hand over SUDS to Merchants using one of the following methods:
Consumer taps their cell phone on the credit card terminal or POS terminal.
Consumer enters SUDS in a key pad.
Merchants scans a Code from Consumers Cell Phone
Merchants manually enter SUDS into the terminal
Consumer scans code to Open a Tab or sign-in by scanning a
Sign-in QR Code. If the Consumer scanned the QR Code to sign-in then
the host would select a Table to seat the Consumer.
Merchants use POS systems.
Merchant displays a QR Code at any number of places (Exampe: Every Table in a Restaurant). The
value of the QR Code would be unique for each place.
Merchants Open a check using the Table number
Merchant or Consumer close the Tab
Merchants market their products thru web sites. MSL Wallet can be used for web site
logins as well as to accept payments. Web sites display a QR Code and also provides a
text box for the Consumers to enter Single Use Digital Signature:
Consumer scans a QR Code from the web site
Consumer enters SUDS in the web site
Merchants market their products thru Mobile Apps or Mobile Web
sites. The App or Web sites display a QR Code:
Consumer Taps on the QR Code to receive a
Random Number with '*'.
Consumer enters SUDS
Over the Phone Transactions:
Merchants verbally give 'MSL Code' and receive verbally SUDS
Merchants verbally give 'MSL Code' to
Consumers enters a 'MSL Code' in 'MSL Wallet' to receive
a random number with '*'.
Merchants receuve SUDS verbally from Consumers and enter them in
Credit Card Terminal or Virtual Terminal or POS system or in
Consumers can place pick-up orders remotely or at the location using a web site or an app or verbally and pick-up the orders
from a Locker. Merchants can replace pick-up counters and drive-thru windows with Order Pick-up Lockers.
Consumers place pick-up orders remotely or at the location using a web site or an app or verbally
Merchants place the goods in the Pick-up Lockers and Consumers view the Locker number on the Display Monitor
Consumers using their cell phone scan a QR Code attahed to the Locker while holding a finger on the finger print
reader or enter a code printed on the sales receipt to unlock the Locker door and pick-up the goods.
Consumers can place the delivery orders remotely using a web site or an app and have the goods delivered to their Order Delivery
Lockers placed in their residence.
Consumers place delivery orders remotely using a web site or an app or over the phone
Delivery person using their cell phone scan a QR Code attahed to the Delivery Locker placed at the Consumer's
location while holding a finger on the finger print reader or enter a code printed on the sales receipt to unlock
the Locker door leave the goods inside.