Accumulate AB, established in 2004, specializes in mobile payment and security solutions, leveraging patented technology to offer secure transactions without the need for new hardware. The company serves a diverse range of clients including financial institutions, merchants, and service providers, operating primarily in the mobile financial services and mobile security markets. Accumulate's business model revolves around licensing its patented technology and providing software solutions that enable secure mobile transactions. Revenue is generated through licensing fees, transaction fees, and service agreements. The company's flagship product, Mobile Everywhere (ME), is a multi-purpose, multi-factor authentication platform that supports various payment methods such as NFC, barcodes, QR codes, and more. Accumulate's solutions are designed to be versatile, supporting point-of-sale transactions, online payments, card-less cash withdrawals, and mobile merchant applications. The company also offers additional services like balance inquiries, transaction history, and alerts. Accumulate's technology is recognized for its unique security features, which eliminate the need for additional hardware, making it more secure than traditional mobile payment solutions and current debit/credit card schemes.

Keywords: mobile payment, security solutions, patented technology, financial services, multi-factor authentication, NFC, QR codes, online payments, card-less withdrawals, mobile merchant.