Accenture has launched a new mobile wallet that will include consumer analytics and data capabilities, allowing its clients to handle payments and create personalized offers.

The Accenture Mobile Wallet allows end users to manage and operate all of their cards, including transportation, loyalty and gift cards, the digital technology provider states in a Feb. 24 press release.

Consumers can use the wallet for contactless payments made through Near Field Communication or QR codes at the point of sale. Consumers can also make person-to-person payments, Accenture says.

The wallet also allows consumers to push a payment to merchants at checkout before goods are released, rather than sharing account data with merchants through typical pull payments. The method helps merchants avoid chargebacks or funding issues because the user must first make the money available, Accenture says.

The mobile wallet platform includes the Accenture Recommendation Engine delivered through the cloud or on-premise through Accenture Analytics. The service provides Accenture retail and financial clients to make personal offers to customers in real time based on factors such as location, the company says. The wallet supports Bluetooth Low Energy beacons to detect when consumers are nearby.

"The key to a vibrant, viable digital commerce ecosystem is a robust platform to underpin its operations," Jin Lee, global managing director for Accenture Mobility, states in the release. "This platform will help our clients — banks, mobile operators, merchants or a partnership of them all — to understand which offers to extend to consumers and when."

The Accenture Mobile Wallet includes a trusted service manager that will allow banks or other providers to securely send personalized smartcard applications to consumers in minutes, such as when a customer requests a new debit card. The tool also allows for remote removal, blocking or other status changes, Accenture says.

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