m:Cypher is a patent Pending mobile commerce Fraud Prevention platform for Card Not Present (online & MOTO - Mail Order/Telephone Order), as well as Card Near Present and Card Present transacting. m:Cypher's patented Mobile Transaction Fingerprint technology allows our clients to to create a trusted relationship with their m-Commerce customers, and reduces the risk of breach, fraud and payment repudiation. Transaction Authentication + Transaction Security = Transaction Integrity For the Payments Industry, m:Cypher protects mobile payment revenues from intermediaries and reduces risks of breach, fraud and repudiation. m:Cypher virtual 'Chip & Pin' for mobile transactions. Enabling Frictionless,Fraudless Mobile Commerce through Transaction Security & Authentication Technology.