CyberMoney enables retail customers to pay for goods and services from their checking, savings or cash management accounts, using their mobile devices at the POS.  Our priority patent pending, copyright protected and trademark technology allows retail merchants to realize income faster and consumers a secure payments.  No financial data or currency value is stored on the mobile device, preventing fraud and theft risks.  This first of its kind seamless payment method is a bank-centric solution that provides a truly collaborative platform for payment channel TSM stakeholders.  Our technology is unique and provides strong value to all payment channel stakeholders by leveraging existing and future payments technology ecosystems.  Please visit our website to see a simulation of the next innovation in mobile payment: www.cybermoneyinc.com