The innovative 2D security protocol from 2D Group (http://2dgroup.co), adds additional security to payment processing virtual merchants in the e- & m- commerce environment. The innovative 2D security protocol assists with payment facilitation without having any confidential information card being stored or shared with e- & m-commerce sites in order to process the payment authorization thereby decreasing card not present fraud. The payment requests are still initiated through normal channels, with the 2D security protocol being added as an additional layer with PIN authorization & verification to process transactions, even within an unsecured web or mobile environment.