Rational Unified Process Uwierzytelnianie mobile in Action Accumulate Mobile Everywhere This document discusses Accumulate, a company that provides mobile security, payment, and banking services. It was founded in 2004 and has over 60 million installed applications. Their solutions offer strong authentication using factors like biometrics, behavior recognition, and mobile device identifiers. They also allow for secure mobile transactions and banking through features such as digital signatures and push notifications. Accumulate invites organizations to test their full-stack mobile services platform.

1. Rational Unified Process
Uwierzytelnianie mobile
in Action
Accumulate Mobile Everywhere
Szymon Dowgwiłłowicz-Nowicki
Styczeń 2012 roku

2. Mobile Everywhere
Introduction to Accumulate ME
2012
Always Connected Everywhere!

3. ACCUMULATE
• Founded 2004
• +60 million installed applications
About • +30 employees
• Offices in Stockholm, London and
Beijing
• Mobile Payment
Services • Mobile Security
• Mobile Banking
• Financial institutions
Clients
Services • Mobile network operators
• Large brands
Awards
Awards

4. MILESTONES
• Founded 2004
• First mobile platform (Flexion) commercial launch, 2004
• Opening of UK office 2005
• Reaches 100 000 unique installations 2006
• Second mobile platform (ME) commercial launch, 2007
• Reaches 1 000 000 unique installations 2007
• First ME implementation June 2009
• Opening of China office 2010
• Acquired PayPal, TeliaSonera, Marginalen and Telenor as
clients (2011)
• Established partnership with VocaLink
• Reaches 80 000 000 unique installations in November
2011

5. REFERENCES
• World leading online • Swedish niche bank
payment provider • Operations in Sweden,
• +100 million active accounts Nederland, Latvia and Lithuania
• A payment specialist that • One of the largest PSP’s in
provides automated payments Scandinavia
• +150 million mobile subscribers • +200 million subscribers
• Largest MNO in Sweden • 6th largest MNO in world

6. OVERVIEW
Security
Client
Processes
Flexibility
Methods
Services
Independent
Operator
Handset
Network
Subscription
Coverage / Speed
Handsets
User friendly

7. SOLUTION

8. CLIENT SECURITY
KEY FEATURES ILLUSTRATION
• Security application installed over the air on users
mobile device
• True PKI safe client
• Advanced security features:
• RSA key handshake
• IMEI verification
• MSISDN verification
• SIM verification
• PIN verification
• 3rd factor voice or face recognition (add on)
• Behavior recognition (add on)
• GUI & services controlled from server Mobile
• Thin client Everywhere

9. MOBILE PAYMENT
KEY FEATURES Carrier technologies
• Active/passive NFC
• 360° mobile payment solution • One-time ticket
• Unique processes for increased security • Barcode
• QR codes
(No sensitive information sent • Blue tooth
to merchant)
• Works on existing infrastructure Payment functionalities
• POS
• Person-to-Person
• Remittance
• Online
• Man-to-Machine
Other services
• Ticketing
• Loyalty
• Instant purchasing
• Digital coupons
• m-Commerce

10. MOBILE SECURITY
Authentication (Login)
KEY FEATURES • Cost efficient
• User friendly
• Increased security compared to
current solutions Signature
• Focuses on user experience • “Sign what you see”
• Cost efficient
and cost saving • User friendly
• Comprehensive range of services
Card services (3-D secure)
• 3-D secure
• “Sign what you see”
• Cost efficient
e-ID
• EU Directive
1999/93/EC
• Separate key handling
for signing &
authentication
• Possibility to generate
the keys on the terminal

11. EXAMPLE POS PAYMENT PROCESS

12. EXAMPLE LOGIN PROCESS

13. MOBILE BANKING
KEY FEATURES Informational services
• Complete access channel to the account • Balance statement
• Increased security • Transaction history
• Transactional service’s • Push/Pull notifications
• Bonus/loyalty points
• ATM/branch locator
• Video support
Transactional services
• Inter/intra bank
transfers
• Invoice payment
• Stock/Fund trading

14. EXAMPLE BALANCE PROCESS

15. SECURITY FACTORS
1 FA – typically username and password.
2 FA – based on the concept, something you have and something you know.
Something you have could be a hardware token, application or similar which is
protected by a PIN code i.e. something you know.
3 FA – based on the concept something you have, something you know and
something you are. This adds biometric properties to the authentication
solution such as voice or face recognition.

17. DEMO
Demo request
Accumulate invites organisations, press and analyst's to
test the mobile payment, banking and security services
solutionSend your name, company name and mobile
number to info@accumulate.se.
You will then recieve a link for downloading of the
mobile application together with a short manual on how
to use it.The services works on all platforms,
including:AndroidBlackberryiPhoneJavaWindows
mobiles
Use – cases in video:
http://www.youtube.com/user/larsaase?feature=watch

18. Dziękuję za uwagę
Szymon Dowgwiłłowicz-Nowicki
sdow@premiumtechnology.pl
601.890.080
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