Each Merchant will be assigned with a unique MSL Code for face to face
verification
The MSL Code will be displayed conspicuously near the counter
where Personal Identification is verified.
In addition to the code being printed in the text format, it can also
be displayed in a QR Code format.
Example:
MSL Code: 5-4771177
Consumers would scan/enter MSL Code into 'MSL Wallet'.
Consumers would receive a random number with '*' in 'MSL Wallet' and would
replace '*' with their own PIN to create SUDS.
Consumers would give the SUDS to the Merchant to complete the verification.
Following are the steps in executing the transaction:
Wallet Based:
Step 1 of 3
MSL Wallet:
Following are the steps in executing the transaction:
Step 1 of 3
Consumer would scan/enter MSL Code into 'MSL Wallet'.
Step 2 of 3
Mobile Device with a Finger Print Reader:
Consumer places finger on the finger print reader.
Upon finger print verification,
Consumer would receive a random number.
Mobile Device without a Finger Print Reader:
Step 2 of 3
Consumer receives a random number with * into
'MSL Wallet' and replaces '*' with their own PIN to convert to
into SUDS.
The App can also convert the SUDS into QR Code format.
Example:
Random Number: 2*69*9
PIN: 19
SUDS: 216999
Step 3 of 3
Mobile Device with a Finger Print Reader:
Consumer hands over the random number to the Merchant or Merchant scans the random number from
Consumer's cell phone.
Merchant Submits the Transaction using any one of the devices listed at the bottom.
Merchant would verify the Consumer Identification based on the random numbere and
also would able to view the Consumer's image on certain devices.
An electronic receipt will be created with the date, time, Merchant and Consumer information.
The electronic reciept will be available to view for 18 months.
Mobile Device without a Finger Print Reader:
Step 3 of 3
Consumer hands over SUDS to the Merchant or Merchant scans the Code from
Consumer's cell phone.
Merchant Submits the Transaction using any one of the devices listed at the bottom.
Merchant would verify the Consumer Identification based on the SUDS and
also would able to view the Consumer's image on certain devices.
An electronic receipt will be created with the date, time, Merchant and Consumer information.
The electronic reciept will be available to view for 18 months.
Devices:
Smart Phone or Tablet:
Devices:
Any Smart Phone or Tablet using 'MSL POS' App:
Merchant Scans the SUDS from Consumer's Mobile Phone or
enters the SUDS received from the Consumer
Merchant receives an Authorization code or a deniad message
Optionally Merchant could also receive an image of the Consumer
PC or Tablet with Internet:
Credit Card Terminal:
Over the Internet using a PC or Tablet and accessing MySingleLink Virtual Terminal
(www.mysinglelink.com/vt)
Merchant Scans the SUDS from Consumer's Mobile Phone or
enters the SUDS received from the Consumer
Merchant receives an Authorization code or a deniad message
Optionally Merchant could also receive an image of the Consumer
Credit Card Terminal
Merchant enters the SUDS received from the Consumer
Merchant receives an Authorization code or a deniad message
Secured Access
General Description
Secured Access Transaction is one
that involves accessing a Secured Resource like
Web Site, Financial Information, Medical Records, Office, Home, Lockers, Airports,
Personal Verification etc.
MySingLink, based on their propreitory technology, has developed 2 broadly categorized Paperless
Transaction Processing methods namely Wallet based and Card based. Wallet based
method uses 'MSL Wallet' which is a free App available for iPhone, iPad, iPod, Anroid
Phones and Tablets. Wallet based
method is card less and uses SUDS (Single use Digital Signature) for Secured Transacntions
whereas Card based method uses a card with a magnetic stripe (MySingleLink Card or
Consumer Custom Card or Merchant Custom Card).
To know more about these methods, please click on How It Works from the Main Page.
Since Wallet Method provides highest security and Secured Access Transactions
require higest security, only Wallet Method can be used for Secured Access Transactions.
Also Wallet Method does not require a physical card.
Wallet Method consists of the following 2 steps and usually takes less than a couple of seconds to
complete the processing:
Consumer scans or receives a number from Merchant and converts to SUDS
using their PIN
Merchant scans or receives SUDS from Consumer and does the processing
Wallet Method can also be used for Applications that require Secured ($) Payment and following are some examples: