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ACCESSMATRIX™ UNIVERSAL SECURE MOBILE (USM) AccessMatrix™ Universal Secure Mobile (USM) provides a complete; highly secure method of authenticating users using the GSM Short Message Service (SMS) and Public Key Infrastructure (PKI) services. Service providers like stockbrokers and banks can immediately leverage the millions of ordinary mobile phones that are currently in use globally, to conduct business transactions with their valuable customers. The mobile phone with a PKI/SIM card is effectively a Personal Trusted Device (PTD) to enable secure Internet and mobile commerce. USM features include user authentication, authorization, confidentiality, integrity, non-repudiation, audit trails and single point of administration. This unique solution provides a con