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It can’t happen here = it’s unsinkable. And "mobile transaction authentication" is a phrase relating to nothing in the real world as far as I can see.

 Your website also points out the many failings of (existing) identity / fraud prevention solutions, but doesn’t say what the answer is (for patent reasons). Without some hint as to the shape of a solution your posts will read a little hollow to me. 

John

Didn't Microsoft try that with Microsoft Passport? The single log on I mean, not the chocolate ..