Every day hundreds of thousands of user accounts are hacked or hijacked in various online services, causing harm, costs and loss of revenue. Traditional enterprise security solutions do not solve the problem. MePIN is a next generation, patent pending solution and service providing flexible security for online services while easing the end users frustration with passwords. MePIN protects services against phishing and password hacking, saves customer support costs by preventing password problems, and increases business by enhancing consumers' confidence to spend more money and by reminding them to sign in more often. MePIN is a global security cloud service and offers smartphone apps and USB keys for consumers.