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The continuing growth of Smartphones and Super phones has significantly increased m-Commerce. The security of personal information on the phone and lack of the face-to-face identification has made the authentication process prone to identity theft and false impersonation. Biometric authentication offers personal identification but is missing the real-time and precise-position associated with the person. This paper proposes the use of freshly-generated real-time personal-data and present-position to form a "One-time multi-factor biometric" representation. i.e., using GPS "Time and location" to stamp the user's fresh biometric data on the phone side, and then, the authenticator will compare this information with the position of the phone obtained independently from the cellular network at that instant in time.
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