March 13, 2015
HCE, or Host Card Emulation, is a cloud-based protocol that promises to simplify mobile contactless payment implementations. HCE allows customers to use any near field communication (NFC) enabled Android phone to pay at a point of sale. Having received a boost from payments giants like Visa, many banks are looking to implementing this technology. Here are some noteworthy examples:
The bank is working with MasterCard to integrate HCE into its mobile contactless payments service, bringing the Tap & Pay option to any NFC enabled phone running Android 4.4 or above. Customers can enable the Tap & Pay option within the CommBank app and can make in-store purchases of up to $100. Customers are required to enter a PIN in order to authenticate the transactions. The CommBank app now has 3.2 million users and has processed $100 billion worth of transactions in the last year.
The bank selected Oberthur Technologies (OT), a known player in digital security solutions for the mobility space, to introduce mobile proximity payments relying on HCE. With this service, Getin is the first bank in Poland to propose a mobile payment program enabling quick, convenient, and secure transactions using this Cloud-based approach. It is making moves toward the adoption of new financial service technologies. The solution, provided by OT, will be available to all Getin Bank customers at the end of the first quarter of 2015.
The bank has added support for HCE to its RBC mobile app. The additional HCE service has been built upon the bank’s existing RBC Secure Cloud Platform. This enables customers to use an Android NFC phone to make debit card payments at any merchant equipped with a POS terminal that supports Interac Flash contactless payments. RBC customers can use any NFC enabled Android phone to pay at the point-of-sale irrespective of the mobile carrier being used.
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The Bulgarian bank is working with MeaWallet to bring NFC based mobile payments to its existing mobile bank users. This mobile payment service is based on mobile virtual payment cards using cloud based security and HCE. The service will work with all merchants accepting MasterCard PayPass and Visa payWave. The bank’s mobile app also incorporates features such as account balances, transaction history, bill payment, person-to-person payments, and communication services. The bank is planning to allow customers to make e-commerce purchases as well.
The Spanish bank has teamed up with MasterCard to launch a mobile wallet service that allows customers to make in-store contactless payments. The bank is working with Carta Worldwide on a mobile wallet that will use HCE technology. This mobile wallet will be launched commercially in July. For smartphones without NFC capabilities, the bank is offering an NFC sticker as well, which can be attached onto the phone.
Visa brings HCE to 5 Banks
Visa is gearing up to launch NFC payments services based on host card emulation with several leading financial institutions around the world in the coming months. The banks include BBVA, Cuscal, Banco do Brasil, PNC, and US Bank. To use these new mobile payment services, consumers simply need to download their financial institution’s mobile payment app from the Google Play store. Following a one-time enrollment process, customers of participating financial institutions who download and install the application will be able to pay in-store with their Visa accounts by waving their Android mobile phone in front of a contactless reader.
9 Polish Banks to Launch HCE Mobile Payments Service
Nine Polish banks are poised to launch host card emulation (HCE) based mobile payments services using Visa’s cloud-based payment specifications, allowing their customers to make contactless payments using NFC-enabled Android smartphones. Participant banks include ING Bank Śląski, mBank, Bank Millennium, Raiffeisen Polbank, Eurobank, Getin Bank, Bank Polskiej Spółdzielczości, Bank Smart, and Bank Zachodni WBK. Visa’s cloud-based mobile payments can quickly be made available to a large group of consumers and provide a foundation for the banks to offer a wide range of innovative functionality in the future. Visa’s mobile contactless payment technologies have become an integral part of their Polish members’ mobile banking strategies.