The following simple 2 step process helps Consumers to protect their
Personal Identification as well as their Financial Data.
Our unique process combines unlimited number of monetary and
non-monetary transactions into a
single transaction instead of executing one transaction at a time using several plastic cards and/or
paper documents. Also our unique process uses Single Use Digital Signature instead of requiring the Consumers
to use a User Id and Password for each transacion.
MySingLink, based on
their propreitory technology, has developed a Social Network Application with strong emphasis
on Wallet Network which is designed to save Time, Money, Environment and Protect Privacy.
MySingleLink can be used for many applications.
Each Consumer Member would receive a Digital Wallet
known as MSL Wallet with a unique Wallet
Number (WN) and also would maintain a Personal Identification Number (PIN). PIN
can never be retrieved, but only can be changed and can be used only to create a
Single Use Digital Signature (SUDS).
SUDS is used for Secured Transactions whereas WN is used for
Unsecured Transactions. Each SUDS can be used only with a specific Merchant for a specific Transaction,
has s very little life span and can be used only once.
In addition to MSL Wallet, MySingleLink also issues its own card which can be used with any Merchant,
Merchant Custom cards which can be used only with specific Merchants and Group cards which can be used
only with Merchants participating in the Group.
MSL Wallet owners never have to remember user id or password to log into any web site and never
have to give out credit/debit/gift/rewards... card numbers or Social Security number online or offline.
MSL Wallet can be used for unlimited number of applicationss (example: Credit Cards,
Gift Cards, Rewards Cards, Coupons, Lottery Tickets, Movie Tickets, Membership Cards, Business Cards, Contacts etc).
Since all the information from different payment souces are
readily available in MSL Wallet Applications, unlimited number of payment sources (based on the Consumer Setup) can be
combined into a single Transaction.
In addtion to payment, Rewards, Coupons, Membership Discount etc can also be combined with payment Transaction.
To know more about the process, please click on "How it Works"
in the main page and to learn more about individual transactions in any individual Application
please move the mouse over the individual Application icon in the main page and then click on the
individual Transaction icon.
In US, since 2005 - 863,860,240 Records have been breached. To get
more details about data breaches in US, please select 'US Credit Card Fraud Stats'
from the main page.
Here are some of the ways that a Consumer can Be Protected:
Web Site Login
Phising and Pre-Texting are common forms of methods used by crooks to steal User Id and
Passwords. Usually if a crook can crack into an account in one site then they will be
able to crack into any web site of the same user including Financial Institutions' Web Sites.
Security experts recommend not to use the same user id and passwords with multiple Web Sites,
but they were never be able to come up with simple way of doing that.
Our Propreitory system allows to use a Single Use Digital Signature (SUDS) to log into any
Participating Web Site. In addition to using SUDS the users also have to match an image
from a set of images displayed on the Web Site with the one the user received into their
cell phone that created the SUDS.
Users never have to remember more thn one PIN by using 'MSL Wallet'.
Personal Identification
For more information select 'Secured Access' from the main page.
It is common for Customer Support employees as well face to face employees to get
personal and confidential information from the Consumers. These confidential information
may include Social Security Number, Driver's Licence, Secret Questions and Answers, Address etc.
Even though this is one of the source for Consumer information breach, Consumers do not have
any other choice, but to give this information.
Consumers may also give this information to wrong Businesses (Phising)
Hackers and Thieves can also use this information to access others accounts (Pre-Texting)
Face to Face
Merchants display a MSL Code in text as well as in QR Code Format
Consumers scan or manually enter the MSL Code into they 'MSL Wallet' App
Consumers create a Single Use Digital Signature (SUDS)
Merchant scans or enters SUDS and views the Consumer's Personal Information including
Consumer's image.
Over the Phone
Operator or an automated messaging system verbally transmits a Transaction
Code to the Consumer
Consumers manually enter the MSL Code into they 'MSL Wallet' App
Consumers create a Single Use Digital Signature (SUDS)
Consumer verbally gives the SUDS to the Operator
Operator would get the Personal Information using a PC or a Smart Phone
Credit Cards
For more information select 'Secured ($) Payment' from the main page.
Almost every body has been victim of Credit Card Fraud. Gurantee offered by
$0 loss by Credit Card Issuers would not cover the expenses incurred by the Card
Holders apart from money lost on the Card.
Hackers and Thieves are able to steal money from Credit Card, because all the required
information is printed on the Card, transmitted over the Internet, printed on the Statements,
verbally given to others etc.
Our Single Use Digital Signature (SUDS) system would make Credit Card fraud as thing of the past.
Face to Face
Merchants display a MSL Code in text as well as in QR Code Format
Consumers scan or manually enter the MSL Code into they 'MSL Wallet' App
Consumers verify all the Merchant Inforamtion and then enters an
Approved Amount
Consumers create a (SUDS)
Merchant scans or enters SUDS and views the Consumer's Personal Information including
Consumer's image.
Merchant process the transaction
If approved, Merchant and Consumer gets the copy of
the receipt to their email addresses and optionally Consumers
can also receive a Text Message.
Over the Internet
Merchant maintains a web site and displays a MSL Code in
QR Code Format in the check out page
Consumer scans or manually enters the MSL Code in their
Consumer App "MSL Wallet".
Consumer Receives a Random Number with '*'
Consumer enters an Approved Amount, if needed
Consumer generates a Single Use Digital Signature by
filling in '*' with their Personal Identification Number (PIN).
Consumer enters the SUDS into Merchants web site
If approved, Merchant displays the receipt which the consumer can
print.
If approved, Merchant and Consumer gets the copy of
the receipt to their email addresses and optionally Consumers
can also receive a Text Message.
Over the Phone
Operator or an automated messaging system verbally transmits a Transaction
Code to the Consumer
Consumers manually enter the MSL Code into they 'MSL Wallet' App
Consumers verify all the Merchant Inforamtion and then enters an
Approved Amount
Consumers create a Single Use Digital Signature (SUDS)
Consumer verbally gives the SUDS to the Operator
Operator enters SUDS into a Web Site or enters into a Credit Card Terminal or
verbally transmitts to an Interactive Voice Response (Telephone) system
Consumer receives a text message and/or email.
Bank Accounts
& Checks
For more information select 'Secured ($) Payment' from the main page.
New Account Opening:
In order to open a Bank Account, a Consumer needs a valid Social Security Number
and a Driver's Licence. Unfortunately the Banks may not be able to validate this
information. Also the Banks would be able to view the Credit Report without the
rightful owner of SSN.
Our Single Use Digital Signature system would improve this process significantly. Our
system would not let to assign a SSN to more than one person.
Bank display a MSL Code in text as well as in QR Code Format
Consumers scan or manually enter the MSL Code into they 'MSL Wallet' App
Consumer Verifies the Bank Information
Consumers create a Single Use Digital Signature (SUDS)
Bank enters Consumer's Social Security Number
Bank scans or enters SUDS and views the Consumer's Personal Information including
Consumer's image.
Consumer receives a text message and/or email.
Check writing
For more information select 'Secured Access' from the main page.
Consumer saves the Bank Account/s
Consumer Access Check Writing Page in MSL Wallet
Consumer selects a Bank Account, if more than one Bank Account is set up
Consumer enters a Check Number
Consumer creates a Single Use Digital Signature and writes it on the Check
Check cashing company, if any, can verify the check before cashing
Banks can verify the Single Digital Use Signature before approving the check
for payment
Medical Records
For more information select 'Secured Access' from the main page.
Even though Electronic Medical Records (EMR) saves digitized medical records in Computers, usually,
they are not accessible to Patients. When records are needed for emergency to move to a
different place or different physician then the patients are handed out printed records.
These printed records have to be again scanned in by the new Health Care Provider.
Physicians EMR does not even communicate with the Hospital EMR where the physicians practice.
This could be changed by letting the patients to have access to EMR using Single Use Digital
Signature.