SWIM mobile apps secure payment tokens on NFC devices.

A mobile wallet is a virtual wallet that stores payment card information on a mobile device. Mobile wallets are a convenient way for a user to make in-store payments and can be used at merchants listed with the mobile wallet service provider.


A mobile wallet is an app that stores your credit, debit and gift card information so that you can make purchases with your mobile device. Mobile wallets can be used on tablets, phones and smart watches. They are incredibly convenient because you do not have to carry all your cards with you.

Mobile wallets are also quicker than using a credit card or cash. When you want to make a purchase, you open the app, choose your card and then touch your device to the compatible card reader. Before you know it, you’re off with your purchase.

The credit card and debit cards you upload to your device will still have the same reward points and capabilities as the physical card. So, when checking out, make sure you are using the debit card that currently has a deal or a credit card with high rewards. You can cater your shopping to get the most for your money.


SWIM ID – your digital public/private crypto-keys
Self-registration leads you through providing your name, address proof, passport or driving licence or Aadhaar/PAN number (India), e-mail, SMS OTP, etc. You can set your own PIN for your SWIM ID (Software Wireless Identity Module Identity).

Your mobile device is bound using the phone’s unique identity such as IMEI and the mobile wallet app is unlocked using your unique SWIM ID and your associated user SWIM PIN. Hence using SWIM ID public/private keys, we achieve a security characteristic of PKI-2FA (Public Key Infrastructure with 2-Factor strong Authentication).




Emorphis mobile application design and development team, came up with a tech savvy secured mobile wallet application based on SWIM and MAP technology. The developed app allows users to manage their e-wallet right from the mobile phone. The app supports various payment types such as paying merchants at POS or online payments and other vital payments that are convenient to effect using e-Money or linked banking card.

The app allows users to track payments sorted by category, transfer money to other accounts and check balance. The cutting edge of the app is that it can suggest top up points using the inbuilt map, which is extremely convenient. The app is a complete solution for mobile e-payments that covers all the common operations and makes payments faster and comfortable for the users.


  • SWIM (Software Wireless Identity Module) solution provides strong cryptographic security to a wide range of applications and services on mobile devices.
  • MAP (Mobile Application Platform) host provides the most advanced HCE EMV card/token issuance payment service for most card / token issuers.


C/C++ with Android Native Development Kit (NDK)



  • Helps reduce fraud – The data stored in mobile wallets is encrypted, meaning your actual card account numbers aren’t transmitted while making a payment.
  • Secured access as the login is using authenticated credentials.
  • Saves time – With a mobile wallet, you can pay quickly by holding your phone over the payment terminal and verifying the purchase. Most transactions can be completed in just a few seconds.
  • Cut down on your wallet content – In addition to credit and debit cards, certain mobile wallets can store loyalty cards and gift cards, allowing usage of such card on the go always – without putting a bulge in your wallet.
  • Shop online on the go – Forget about typing in card numbers when shopping online from your phone – you can pay for some purchases with your mobile wallet.
  • Still receive rewards – If your card offers cash back or other rewards, you’ll still receive those when using that card in a mobile wallet.

About Emorphis

Emorphis Technologies is a world class software development and solutions company which truly believes in “Innovation in motion”. Delivery innovation on the go at accelerated pace has been our success mantra till date. Over the years we have provided value to our clients in the field of enterprise mobility, cloud, IoT, backend development, Big Data Analytics, and Block Chain.

We serve industries ranging from unicorns, and startups to large multinationals in the healthcare, telecommunications, fintech, retail and publishing industry. Our go to market software products – iStatement, iPublisher and iBuggy have proved our metal with positive beneficial customer testimonials. We help our client in successful product development, consulting services and testing (manual & automated).

We have profound experience & expertise on various technologies like .Net, J2EE, PHP, iOS, Android and Cloud Computing viz. Amazon Web services (AWS), Software QA & testing (Manual & Automation). Our designed products are cloud ready and can be readily deployed on AWS/Azure cloud infrastructure.

Our pivot on engineering innovation and R&D helps quicken time-to-market, ensuring high quality at economies of scale, delivering cult competency  for the global marketplace. We ensure that your ideas, concepts and requirements are backed by brilliant execution at our end. Having said that we extend end-to-end ownership of product/application design, development and deployment.

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