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 and can be used for all sensitive and non-sensitive transactions.
  • 1. Consumer scans/enters MSL Code with or without finger print authentication to receive a single-use random number. The random number can be fully generated by MSL Wallet or partically filled by the Consumer with their PIN.
  • 2. Consumer hands over the random number to the merchant or MSL Wallet electronically sends it to the merchant.
  • 3. Merchant submits the request to process the transaction.
  • Note: Merchant can use Credit Card terminals, Point of Sales systems, MySingleLink Virtual Terminals, Web Sites, Customer Help Centers etc.

Flow diagram on How MSL Wallet 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
  • Bar/Restaurant Tabs
  • Online Orders
  • Pick-up/Delivery Lockers
  • Waitlist/Reservation
  • Parking
  • Lottery Tickets
  • Gift Cards
  • Rewards
  • Coupons
  • Event Tickets
  • Donations
  • On Demand Information and Videos
Scroll up to view the Application Icons and follow the directions to view Functions in each Application and details of each Function.

MySingleLink or Merchant Card

For non-sensitive transactions that do not use bank credit/debit card or user id or password, MySingleLink or Merchant Card can be used.
Merchant can simply swipe the card or enter card number.