Secure wireless connectivity between mobile devices and financial/commercial establishments is mature, and so is the security of remote authentication for mCommerce. However, the current techniques are open for hacking, false misrepresentation, replay and other attacks. This is because of the lack of real-time and current-precise-location in the authentication process. This paper proposes a new technique that includes freshly-generated real-time personal biometric data of the client and present-position of the mobile device used by the client to perform the mCommerce so to form a real-time biometric representation to authenticate any remote transaction. A fresh GPS fix generates the "time and location" to stamp the biometric data freshly captured to produce a single, real-time biometric representation on the mobile device. A trusted Certification Authority (CA) acts as an independent authenticator of such client's claimed realtime location and his/her provided fresh biometric data. Thus eliminates the necessity of user enrolment with many mCommerce services and application providers. This CA can also "independently from the client" and "at that instant of time" collect the client's mobile device "time and location" from the cellular network operator so to compare with the received information, together with the client's stored biometric information. Finally, to preserve the client's location privacy and to eliminate the possibility of cross-application client tracking, this paper proposes shielding the real location of the mobile device used prior to submission to the CA or authenticators.