Host Card Emulation vs. Mifare, the Most Widely Used Contactless Payment Technology Worldwide

Contactless payment technologies and smart cards have gained decent traction over the last couple of years, and have managed to get good support from the financial payment card issuers and associations. These smart cards provide an easy to use substitute for cash, which leads to reduced transaction time and cost, less fraud, and minimal manual intervention.

One of the most widely used contactless payment standards for chips is Mifare, the technology behind a series of chips widely used in smart cards and NFC readers. So what is the ‘beef’ between Mifare and HCE? Before we go into that lets define HCE for some readers who might not have heard about it. HCE serves the purpose of smart card using only the Software. Prior to the development of HCE technology, NFC transactions took place using sec ...

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