Securing mobile apps is now as easy as to SWIM …

Mobile PKI SWIM IDs (Software Wireless Identity Module) for User Authentication!

HCE Service provides innovative mobile-centric digital card accounts solutions based on Visa/Mastercard Host Card Emulation (HCE) and PKI (Public Key Infrastructure) standards. Our state-of-the-art hosted Software as a Service (SAAS) infrastructure supports financial card issuers and other corporates (local governments, transport, telecom and retail enterprises) to offer HCE digital card accounts and blockchain cryptocurrency payment methods to their users via mobile wallet apps.

Our SWIM (Software Wireless Identity Module) product service is the major security component in our clients’ smartphone payment and messaging infrastructures. SWIM Mobile Apps provide strong cryptographic security to a wide range of applications and services on mobile devices. Strategically we are the first implementers of the SWIM secured mobile payment platform. Our hosted wireless MAP (Mobile Application Platform) wallet server is the most advanced HCE EMV card/token issuance payment platform for kinds of card/token issuers!

We manage for our customers SWIM Mobile Apps on consumer NFC (Near Field Communication) smartphones, which securely store HCE card tokens as an alternative to carrying physical cards.


Our HCE SWIM digital currencies and cards applications complies with HCE, EMV, PKI, UPI, Bitcoin and Blockchain banking standards. We also comply with Payment Card Industry Data Security Standard, PCI-DSS, to securely deliver end-to-end mobile payments.

HCESERVICE Applications

We handle sensitive payment cardholder data within our PCI secured data centres conforming to the latest Industry payments and security standards promoted by Visa and MasterCard card schemes, EMVCo and the PCI Council.

Visa and Mastercard Digital Card Accounts

HCE (host card emulation) technology secures payments and other digital card accounts in the mobile app connected to our cloud HCE SWIM MAP tokenisation service. There is no need for a “secure element” hardware device inside the mobile phone! Supported by Visa and MasterCard, HCE allows consumer mobile payments at physical merchants using NFC and technologies, such as QR Code and Bar Code, while still retaining the highly desirable “card present” transaction status.

As a Token Service Provider (TSP) we work with all card and network types including Visa/Mastercard credit and debit, private label, and prepaid cards. Our TSP is compatible with EMVCo and integrated with HCE Visa and MasterCard tokenisation platforms (namely, VTS and MDES). Additionally, our TSP is functionally rich to provide proprietary in-house card tokenisation for our clients.

In-store, Online and In-App Transactions

Our HCE SWIM MAP cloud TSP platform enables any app on most types of smartphones to perform payment transactions with Near Field Communication (NFC), Host Card Emulation (HCE), or barcode at the point of sale. We also power In-App purchases and online transactions with EMV tokenisation credentials together with digital identities (SWIM IDs) providing Strong Customer Authentication (SCA).

Ready for Global Mobile Payments Business

Our production environment is PCI DSS certified, and our technology solution is TR (Token Requestor) and I (Issuer) TSP Visa/Mastercard ready for provisioning and personalization of digital card accounts directly in clients own mobile wallet apps.

UPI Peer-to-Peer Bank Payments

Our TSP platform provides peer-to-peer bank account payments and open banking APIs (Application Program Interface) within smartphones which integrate with CBS (Core Banking System) and CMS (Card Management System). Making peer-to-peer account payments, adding accounts, applying for loans, inquiring transactions, making inter-bank, intra-bank and third-party payments are just some business functions that can now be provided by banks.

Bitcoin and Ecash Blockchains

We provide Bitcoin and proprietary Ecash Accounts trading. We offer digital wallet currency capability on a private blockchain platform for making secure, zero-cost payments around the world for individuals and businesses. We provide mobile HCEWALLET Apps that your end user customers can use to send and receive money worldwide in multi-currency.


HCE SWIM Product Family Standards

  • 2FA (2-Factor Authentication),
  • UPI (Unified Payment Interface)
  • HCE (Host Card Emulation),
  • EMV (Europay, Visa and Mastercard),
  • Bitcoin (and other Digital Currencies),
  • Blockchain,
  • PKI (Public Key Infrastructure),
  • SWIM ID (Software Wireless Identity Module)
  • PCI-DSS (Payment Card Industry Data Security Standard)

We handle sensitive payment cardholder data within our PCI secured data centres located globally conforming to the latest Industry payments and security standards promoted by Visa and MasterCard card schemes, EMVCo and the PCI Council.


We propose HCE, EMV, PCI, PKI, Bitcoin, Blockchain Solutions

We deploy PKI and PCI data security standards in order to securely deliver smartphone based mobile payments. We handle sensitive payment cardholder data within our PCI secured data centres conforming to the latest Industry payments and security standards promoted by Visa and MasterCard card schemes, EMVCo and the PCI Council.


HCESERVICE provides PKI secured mobile wallet based Visa and MasterCard Host Card Emulation and Cryptocurrency solutions to our enterprise clients.


HCE Service

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