What is Kumram?

KUMRAM is an app that offers security and convenience for internet authentication through the Single Sing-On feature. The customer will be able to log in to your site, e-commerce platform, fill in the registration form and make purchases with just one touch.

Following strict criteria, supported by the best of the CMSW technology, KUMRAM is able to protect against hackers and online threats through multi-tiered authentication, dual IP authentication, randomized pins, biometric identification, and Single Sing-On Make online transactions safer and faster, generating end-user confidence and fraud protection for e-commerce and B2B platforms.

These features will significantly reduce the risk of fraud and the costs associated with chargebacks. In addition to protecting your company, the KUMRAM also enables data validation and ease of use for its end users.

The solution protects your organization and clients against attacks of virtual viruses, hackers and other sources of Internet fraud that occur every day. With it, your customers can now enter personal data through smartphones without having to fill out forms or enter data into computers or other devices. Thereby reducing the chances of online threats. Because KUMRAM acts as a verification pass-through service, your customers' payment data will never be stored or stored on our servers, further ensuring transaction security.

The Kumram with you!

Download and get to know our application.

Kumram has a high-tech app for you to make your payments in full comfort and wherever you wish. Install and check out this feature.
Download our app now for platform IOS ou Android!

  • Download from App Store
  • Download from Google Play

For you!

KUMRAM processes transactions faster and safer, mitigating the risk of fraud for on-line customers by creating a secure payment environment

KUMRAM is a high-performance application developed by C&M Software, which offers unmatched security and convenience when paying on-line. The application can also be used to safely login to multiple websites, auto-fill registration forms and access multiple forms of payment with Single Sign-On App. You can do all of this without having to enter your personal information on a payment page while e-shopping; In turn, reducing your vulnerability to hackers and other on-line threats.

The KUMRAM service also allows family members and friends to complete transactions, even when the cardholder is not present. This is accomplished using a randomized master token pin, which only the KUMRAM account holder has access to. An example of this would be a parent providing their child with the tokenized pin number from a remote location, in order to complete a transaction.

People are constantly looking for ways to save time during their day-to-day activities. The introduction of e-commerce has led to reduced time waiting in lines, traveling to locations, and other actions associated with shopping. Although, consumers are saving time by not physically having to go to a store, the process of online authentication can be tedious and in numerous cases unsafe.

KUMRAM’s functionality will enable faster navigation through websites, e-commerce payment portals, and online registration forms. This is accomplished by using previously stored user information and data required to complete such tasks. With KUMRAM all access requirements are consolidated within one secure application.

  • Easily log-on to any accredited webpage with one master pin
  • Auto-fill online registration forms using pre stored profile information
  • Choose any method of payment with one-click
  • Remote payment authorization to assist family and friends
  • Access to purchase history at the touch of a button
  • 100% free solution, no in app purchase required, no banner ads
  • Download and set up from anywhere on any mobile device

Research performed by a major global payment provider showed that 49% of consumers engaged in at least one risky behavior exposing them to financial fraud.

KUMRAM, an app developed by C&M Software, offers users safety and peace of mind when performing online transactions. The purpose of its inception is to keep the users’ data safe, regardless of the device being used or point of access.

  • All personal information safeguarded with military grade encryption
  • Securely login to multiple websites with one-click, using Single Sign-On App technology
  • Deflect hackers and other on-line threats, KUMRAM generates randomized token pins for authentication
  • Biometrics with multi-point, in depth facial recognition for the ultimate payment protection
  • Additional safety using global geo-location services, you can see where the transaction took place
  • KUMRAM’s accredited site verification adds extra layer of purchase security

"THE GLOBAL AMOUNT OF LOSS ATTRIBUTED TO CREDIT CARD FRAUD EQUATES TO OVER $5.5 BILLION ANNUALLY"
FAQ

For Your Business

Complete solution to enhance payment security and increase sales conversion.

KUMRAM is a high performance application developed by C&M Software offering security and flexibility to your online customers, who can use it to login, complete registration forms and purchase items more securely, consequently increasing your sales conversions. With increased security your customer will feel more confident with their purchase transaction.

The app is able to identify the end-user through biometrics such as facial recognition, and other methods of verification such as:

  • The user’s geo-location
  • Confirmed phone number
  • Smartphone IP address
  • Facial recognition photo history

These features will significantly reduce the risk of fraud and costs associated with chargebacks. In addition to protecting your company, KUMRAM also allows for safe data validation, and end users’ ease of use.

Com KUMRAM você saberá a localização atual exata de seu cliente no momento em que o pagamento foi efetuado. Como opção adicional, você também pode usar a foto do cliente nas faturas, declarações e até mesmo em guias de remessa de entrega.

People are constantly looking for ways to save time during their day-to-day activities. The introduction of e-commerce has led to reduced time waiting in lines, traveling to locations, and other actions associated with shopping. Although, consumers are saving time by not physically having to go to a store, the process of online authentication can be tedious and in numerous cases unsafe.

KUMRAM’s functionality will enable faster navigation through websites, e-commerce payment portals, and online registration forms. This is accomplished by using previously stored user information and data to complete such tasks automatically, or by bypass them altogether. This data is stored safely within the end-users smart device. With KUMRAM all access requirements are consolidated within one secure application.

One consistent problem hindering many e-commerce sales is the ever, unavoidable, chargeback situation. A chargeback is the return of funds to a consumer, forcibly initiated by the issuing bank after a successful transaction has already taken place. More specifically, it is the reversal of a prior outbound transfer of funds from a consumer's bank account, line of credit, or credit card.

Chargebacks happen for two main reasons:

  • A dispute initiated by the card holder due to a fraudulent transaction
  • Lack of proper procedures from the merchant, resulting on the issuing bank rejecting the transaction;

KUMRAM specifically targets and identifies potential situations, which could lead to a charged back transaction. The application prevents fraudulent transactions by identifying the buyer through facial recognition, geo-location, mobile phone number, and smart-device IP address. In the event a transaction is disputed, you as the merchant will have an image of the purchaser, further verifying their identity. This additional layer of protection will significantly reduce the chances of a reversed transaction, which will save your organization time and money associated with chargebacks.


"ONE COMPLETE POWERFUL SOLUTION OFFERING UNMATCHED PAYMENT SECURITY LEADING TO INCREASED SALES CONVERSION AND CONSUMER LOYALTY"

Research performed by ACI Worldwide, a major global payment provider, showed that 49% of consumers engaged in at least one risky behavior, exposing them to financial fraud. Additionally, the Federal Bureau of Investigation reported over 262,000 consumer complaints in 2013, directly related to Internet crimes. The financial circumstances matching these complaints resulted in losses of over $781 Million. This was a staggering 48.8% increase from 2012.

"THE THREAT IS REAL. THE THREAT IS GROWING. YOUR CUSTOMERS NEED THE MOST ADVANCED PROTECTION POSSIBLE."

KUMRAM, an app developed by C&M Software, offers users safety and peace of mind when performing online transactions. It was created to keep customer data safe, by adding multiple layers of protection when accessing web and payment portals. With KUMRAM, your customers can now input personal data on their own smart device and will no longer need to complete forms on their computer, deflecting susceptibility to hackers and other online threats. Because KUMRAM acts as a “pass-through” verification service, your customers’ payment data will never be saved or stored on KUMRAM’s servers, further ensuring ultimate security.

Kumram For Your Customers

Military level technology with cutting edge facial recognition adds a powerful layer of additional security to your customers’ e-shopping experience. With KUMRAM on-line payments will be more secure than ever before!

KUMRAM is a high-performance application developed by C&M Software, which offers unmatched security and convenience when paying on-line. The application can also be used to safely login to multiple websites, auto-fill registration forms and access multiple forms of payment with a Single Sign-On App. You can do all of this without having to enter your personal information on a payment page while e-shopping; In turn, reducing your vulnerability to hackers and other on-line threats.

KUMRAM also allows your customers’ family members and friends to complete transactions, even when the cardholder is not present. This is accomplished using a randomized master token pin, which only the KUMRAM account holder has access to. An example of this would be a parent providing their child with the tokenized pin number from a remote location, in order to complete a transaction.

Kumram, a revolution in "Single Sign-On App"

Single Single Sign-On App is a mechanism in which a user is granted access to multiple client service applications and web-portals, after logging into a single device. In other words, using KUMRAM’s SSO feature will eliminate the need to submit information every time a new site or platform is visited.

This easy to use and secure resource offers multilayer authentication, authorization, and information auditing. The process adheres to strict criteria, supported by the best of C&M Software’s technology.

  • Biometrics: Facial recognition and photo storage, access to KUMRAM and connected platforms will only be granted after the user biometrics have been confirmed
  • Geo-location: Tracking the exact location where the user initiated the login to the platforms connected to KUMRAM, increases safety and reliability
  • Data Cryptography: Highly secure encryption of data used to protect user information during communication between platforms, preventing interception of sensitive data
  • Token Pin: Enables quick login, filling registration forms, and/or purchase transactions by confirming random passwords without entering data into external portals
  • Dual Authentication: Duplicates data pass ways at the time of registration, login, and/or online transaction, increasing the protection of users' information
FAQ

Price and Plans

Choose the plan that best fits your business needs

Plans Basic Premium
Expedited sales cycle
Increased sales conversion
Multiple payment methods
Automated maintenance of each saved channel and login
Geolocation (latitude, longitude and elevation)
Smart device IP
End-user phone number
Photo ID archive from KUMRAM’s account inception
Turn-Key implementation
Military grade cryptography
Double IP address and SSL Level authentication
Auto-Login and Single Sign-On
Tokenization
KUMRAM User (Name, E-mail)
MONTHLY CHARGE PER USER Free US$ 2.95
*With a PREMIUM plan the US$ 2.95 monthly per user (plus tax) charge applies only if your customer uses the service

Try It

You can through the following items try Kumram, see how simple it is to use this solution.

Contact

Want to know more about Kumram, talk to our team..

  • C&M Software, LLC.
  • Phone: (786) 629.1512
  • Fax: (786) 629.1522
  • lead@cmsw.com
  •  
  • 2999 NE 191st Street
  • Suite 404
  • Aventura, FL 33180