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Rational Unified Process Uwierzytelnianie in Action mobile

Accumulate Mobile Everywhere

Szymon Dowgwiowicz-Nowicki
Stycze 2012 roku

Mobile Everywhere
2012

Introduction to Accumulate ME

Always Connected Everywhere!

ACCUMULATE
Founded 2004 +60 million installed applications +30 employees Offices in Stockholm, London and Beijing Mobile Payment Mobile Security Mobile Banking

About

Services

Clients Services

Financial institutions Mobile network operators Large brands

Awards Awards

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

REFERENCES
World leading online payment provider +100 million active accounts Swedish niche bank Operations in Sweden, Nederland, Latvia and Lithuania

A payment specialist that provides automated payments

One of the largest PSPs in Scandinavia

+150 million mobile subscribers Largest MNO in Sweden

+200 million subscribers 6th largest MNO in world

OVERVIEW Security
Client Processes

Flexibility
Methods Services

Independent
Operator
Handset Network Subscription

Coverage / Speed
Handsets

User friendly

SOLUTION

ME COMPONENTS

Safe Frame

Services

Client side

Account integration

DS

TS SGW
Services

TDB
Enrolment integration

Eco system Router

ME Core

Server side Local component

Server side Eco system component

IMPLEMENTATION

CLIENT SECURITY
KEY FEATURES
Security application installed over the air on users mobile device True PKI safe client Advanced security features:

ILLUSTRATION

RSA key handshake IMEI verification MSISDN verification SIM verification PIN verification 3rd factor voice or face recognition (add on) Behavior recognition (add on)
Mobile Everywhere

GUI & services controlled from server Thin client

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

MOBILE SECURITY
KEY FEATURES
Authentication (Login) Cost efficient User friendly Signature Sign what you see Cost efficient User friendly

Increased security compared to current solutions Focuses on user experience and cost saving 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

EXAMPLE POS PAYMENT PROCESS

EXAMPLE LOGIN PROCESS

MOBILE BANKING
KEY FEATURES
Complete access channel to the account Increased security Transactional services Informational services Balance statement Transaction history Push/Pull notifications Bonus/loyalty points ATM/branch locator Video support

Transactional services Inter/intra bank transfers Invoice payment Stock/Fund trading

EXAMPLE BALANCE PROCESS

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.

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

Dzikuj za uwag
Szymon Dowgwiowicz-Nowicki sdow@premiumtechnology.pl 601.890.080

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