Spriv is proud to introduce M5, the first patent pending technology that transforms the user’s mobile phone into a secondary authentication hardware token. The M5 method is an automatic, active, secondary online authentication system, which replaces today's passive, one way authentications method. 

Simply,  Spriv is online, automatic and active protection. Spriv provides protection for the consumer and the providers during online "high risk" transactions. After activation, which requires the consumer to answer one-time consent call, every M5 transaction thereafter runs automatically in the background.

For banking providers, M5 delivers an essential layer of automatic hardware consumer verification, above the standard "user name and password" Method. For E-Commerce providers, M5 prevents fraudulent activity from stolen credit card information.