Mobile payment

Takes electronic transactions to the next level. Covers all payment situations.

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Mobile banking

Makes all your banking services mobile, adds mobile payment when needed.

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Mobile security

Adds more flexibility and security using the mobile device as the security token.

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Accumulates solution for mobile payments- and value added services is based upon the company's inherent technology & patented processes that has been deployed in mobile financial services and mobile security solutions.

Mobile Payment

Accumulate's award winning solution for Mobile Payments is a shift in the paradigm of electronic transactions. Mobile payment will happen, why wait? And why not doing right from the start? With a unique security that eliminates the need for new hardware, Accumulate provide services that are more secure than today's mobile payment solutions and the current debet/credit card schemes.

Accumulate's mobile payment solution is flexible when it comes to pairing technology and can be implemented in the existing Merchant infrastructure and mobile phone community. The solution is a complete 360 degree solution covering all types of payment situations. Add mobile banking and loyalty when needed.

A mobile payment service for all situations

* Point of Sale (POS) - using NFC, barcodes, QR-codes, typing, voice, etc.
* Online payments
* M-commerce - for in-app and mobile browser payments
* Card-less cash withdrawals/payments - from ATM's and money vouchers
* Mobile Merchant applications
* Man-to-machine payment - vending machines, parking meters, electric charging poles, etc.
* Payment information services - balance, transaction history, receipts, alerts and more
* Other services - ticketing, purchase codes, loyalty cards/points and more
* Person-to-person money transfers
* Remittance

Security is the key

* Direct authentication of the User by the Issuer, in real time and for every transaction.
* No sharing of sensitive information between the User and the Merchant.
* No storing of sensitive information in the mobile device.
* Two-factor authentication (2FA), via application authorized to the User and protected by pin. 3 FA possible by adding, for example voice, behaviour or face recognition).
* Secured against phishing and man-in-the-middle attacks.

Mobile banking

The concept of mobile banking is basically equivalent to informational services. Most of today's applications are focused on displaying less sensitive information regarding accounts along with various widgets such as GPS locating of branch offices and ATM's, etc. These kind of services are easy to implement as they don't require a security layer within the mobile application. Transactional services require an extra security token, either in the mobile banking solution or via pre-settings in the internet bank.

Using Accumulate's security client, the mobile phone becomes an authentication tool. By being able to establish the users' identity, transactional services such as bank transfers, invoice payments and stock and fund trading can be added to the service offer. Consequently, the mobile phone becomes a direct access channel to the account meaning that the bank customer can pursue the same actions as in a branch office, via IVR or through the Internet channel.

The mobile channel for all banking services

With the Accumulate technology, methods and processes, all informational and transactional services becomes mobile. Add mobile payment when needed.

Transactional services examples
* Inter/intra bank transfers
* Person-to-person money transfer
* Bill payments
* Cash withdrawal from ATM using mobile
* Money vouchers
* Stock/fund trading

Information services examples
* Balance statement
* Transaction history
* Online and purchase alerts
* Fraud warning alerts
* Offers
* ATM/branch locator

Security is key

* Direct authentication of the User by the Issuer; in real time and for every transaction.
* No storing of sensitive information in the mobile device.
* Two-factor authentication (2FA), via application authorized to the User and protected by pin. 3FA possible by adding for instance voice, behaviour or face recognition.
* Secured against phishing and man-in-the-middle attacks.

Mobile security

Today's society requires flexibility in terms of accessing important data and information as well as the freedom to pursue related actions. At the same time, smartphones collect and compile an increasing amount of sensitive information to which access must be protected. Accumulate enables a wide range of mobile security services that focuses on ease of use under the highest possible security.

Mobile authentication

The mobile authentication service replaces security solutions, such as hardware security tokens, one-time pass codes and digital certificates, and gives organisations a secure and cost efficient authentication solution. Use it to login to VPN's, intra/extranet's and secure web pages.

Mobile signature

The mobile signature service allows the end User to sign different actions with its mobile phone. Example of signings are different types of monetary transactions, increasing/decreasing credit limits, approval of invoices and loan applications, etc. The service provides a complete "Sign what you see" experience and is compliant with the EU Directive 1999/93/EC framework for advanced electronic signatures.

Mobile 3D-secure

The mobile 3D-secure service eliminates the need for hardware tokens. Not only does this service reduce cost in hardware and distribution, it also simplifies the purchase procedure for the end User whilst increasing the security.

Mobile e-ID

The mobile eID solution consists of authentication and signature, but with the addition of eco-system components and a different key handling in order to be able to function in a global eco-system. This service is targeted towards certificate or registration authorities in an electronic identification eco-system.

Security is key

* Direct authentication of the User by the Issuer; in real-time, on every transaction.
* Sign what you see
* No sharing of sensitive information between the User and third parties
* No storing of sensitive information in the mobile device
* Two factor authentication (2FA), via application authorized to the User and protected by pin. 3 FA possible by adding for instance, voice, behaviour or face recognition.
* Compliant with EU Directive 1999/93/EC
* Secured against phishing and man-in-the-middle attacks.


Accumulates patented solutions provides an unique secure mobile transaction concept
that open up opportunities to mobilizes secure transactions.


Accumulate Mobile Everywhere (ME) is a proven patented (processes and technology) multipurpose, multi-factor client/server, public key infrastructure (PKI) authentication platform that can be deployed in many different situations, where secure and cost efficient authentication is needed.

The open platform gives developers the opportunity to customize mobile connected applications for Issuers of secure client apps.The solution is unique in that it combines:

* unparalleled security
* independency
* ease of use
* flexibility
* cost efficiency

Supported use cases

* Mobile Payments
* Mobile Banking, 2nd generation
* Mobile Security (secure login, digital signatures, e-ID, etc.)
* Value Added Services: Coupons, loyalty programs, ticketing, etc.

Overall functionality

ME consist of a connected mobile security client, installed on the users mobile phone and a server-side back-end component that manages User integrity, security and services along with other functionalities.

The installed security client authenticates the User and communicates securely over TCP/IP with the Issuer server. Who in turn communicates with external systems through standard APIs. This means easy integrations to external systems without compromising the overall security and the integrity of the User data, which is always controlled by the Issuer.

Client/Server technology
The ME client is a security application distributed to the User and contains a unique identity combined with private RSA keys that authenticates the User and establishes a secure connection with the server.

The services and the graphical User interface are all located and managed server-side. This means that no account credentials or other sensitive information is stored in the client. Instead it acts as an authentication tool with the sole purpose of identifying and directing the User to the available services.

The security client is functional on virtually all handsets since 2004:

* Android
* Blackberry
* iPhone
* Java (J2ME)
* Windows Phone


With complete internet access and powerful processors, mobile phones are increasingly similar to computers. Although this has increased the functionality of the mobile phone, new security threats appear constantly and it is becoming more and more feasible for unauthorized parties to gain remote access to a mobile phone. Accumulate has extensive experience in providing solutions under the highest security and without neglecting User experience.

Accumulate Security

With its client security elements that enables secure authentication of the User with a software application, Accumulate is at the forefront of the industry. By utilizing RSA keys, unique app IDs, IMEI (serial number of the phone), MSISDN (phone number), SIM and PIN verifications, it is possible to create a software solution that is as secure as any hardware. By taking advantage of the mobile internet, it is possible for an Issuer to authenticate the User in real-time and on every transaction. The recently implemented voice verification, which enables a 3rd factor authentication, is further increasing the overall security of the solution.

Accumulate's high security level is not only achieved through a secure client but also via unique and patented secure processes and methods. Accumulate uses dual-line communication. Two channels separately connected when the mobile phone is communicating with either a point of sale terminal or computer. This allows a transaction to be completed without the need to enter sensitive information at the recipient, which is usually the most exposed part during a transaction. Dual-line communications also diminish the threats of man-in-the-middle attacks and phishing.

Security measurements
* Multiple PKI Infrastructure
* 2FA (Factor Authentication), 3FA as option
* RSA key handshake
* Unique app ID verification
* IMEI verification
* MSISDN verification
* SIM verification
* PIN verification
* Dual-line communication

Accumulate AB

Accumulate was founded in 2004 with the vision “Always connected everywhere”. Today, over 400 Million applications have been delivered and deployments based on Accumulates technology can be found in 20+ countries.

Accumulate is headquartered in Stockholm, Sweden.

Accumulate AB

Box 7722

103 95 Stockholm


© 2016-2019 Accumulate AB