What does SWIM (Software Wireless Identity Module) do? SWIM mobile apps form the foundation of secure smartphone token issuance infrastructure. SWIM uses public and private key infrastructure cryptography and “trusted third parties”, namely Certification Authorities and Registration Authorities. SWIM security services include:

Confidentiality – Message content (transactional data) must be available only to authorised parties.

Authentication – Proof that message really has come from the person who claims to have sent it.

Integrity – Detect that the message content has not been altered during transmission.

Non-repudiation – Protection against the sender of the message denying having sent it.

SWIM PKI in a Nutshell…

  • Reduces transactional risks across untrusted networks and remote end users;
  • Protects information flowing across networks;
  • Based on established industry standards and delivers end-to-end protection for valuable sensitive information.

Software HSM (High Security Modules) Libraries

HCE Service digital provisioning and issuance infrastructure includes VTS and MDES connection as well as in-house proprietary E-cash accounts tokenisation. The platform uses our unique software HSM (high security module) libraries to protect card data, cryptographic keys, and algorithms from being hacked by the use of Whitebox cryptography, proprietary PIN protection algorithm and device fingerprinting.

Private Permissioned Blockchain

HCE Service’s core solutions use permissioned blockchains to provide digital assets such as proprietary ecash and cryptocurrencies. HCE Service’s goal is to assist our clients to take advantage of recent advances in network technology, including the use of cloud and blockchain technologies. Our distributed ledgers are a way to “track the ownership of assets without the need for a central authority”.

We believe that by making financial transactions as fast, inexpensive, and direct as other digital services in the Internet age, everyone will benefit. Hence, HCE SWIM MAP is a distributed application platform that incorporates blockchain technology to help companies create modular e-cash and currency-exchange applications that meet the high demands of enterprise-grade ecosystem applications.

HCE – Host Card Emulation

Host Card Emulation (HCE) availability in most smartphones including the global dominant Android operating system (OS) platform enables you to take control of your mobile payments strategy.

Previously, our clients such as banks had to deploy secure element technology in partnerships with multi-parties to complete complex integration projects. Now our clients can integrate digital card accounts directly into own mobile wallets and banking apps as the preferred low-cost, multi-channel interaction with end user customers.

Our clients can add HCE as part of an overall Secure Customer Authenticated (SCA) open mobile banking strategy. As clients become mobile centric, you can make your apps highly appealing to end users by adding new functionality such as remote mobile peer-to-peer E-cash and payment transfers using private blockchain ledgers, Merchants can propose blockchain based merchant loyalty vouchers combined with payments, enabling promotions and offers to create compelling and rewarding customer experiences.

Banks and merchants can deploy mobile payment services across multiple mobile operator networks, providing the scale needed for a successful mass deployment adoption in a country, or even across borders. HCE allows our clients to add payment functionality to an existing banking/wallet apps and rollout seamlessly to millions of users via simple app updates, maintaining control over customer relationships, data and how credentials are used.