Consumers around the globe continue to use mobile devices rather than dip or swipe payments cards for more of their MasterCard purchases. In less than a year since announcing support for Host Card Emulation (HCE) and cloud-based software for both secure contactless and remote payment transactions, MasterCard has recently announced that new projects are underway in more than 15 countries. These projects provide consumers with more options for payment experiences across their Android devices.
In offering an alternative to the secure element (SE)-based approach to digitizing card credentials into mobile devices, MasterCard Cloud Based Payments creates a foundation for rapid global deployments of mobile payment services. The approach simplifies and speeds up the deployment process of contactless mobile offerings for card-issuing financial institutions and other solution providers. As a result, hundreds of licensees have embraced the framework to ensure thoughtful design and secure deployment of mobile payments, with more than 25 pilots and programs now underway in various locations including Australia, Canada, France, Germany, Italy, Russia, Spain, the United Kingdom and the United States.
To further fast-track their mobile application development on Android devices, MasterCard recently released the Mobile Payment Software Development Kit (SDK). The SDK provides a collection of software libraries and tools that allow developers to easily create and test applications that are compliant with MasterCard specifications.
“Our vision for digital payments is to create great experiences for consumers across all channels and all devices, and HCE and cloud-based software provide another path forward for MasterCard and our partners to deliver on that vision,” said James Anderson, Group Head and Senior Vice President, Shared Platform Services at MasterCard, in an official press release. “The approach will drive greatly expanded availability of mobile contactless and remote payments, through integration with MasterPass, our global digital platform.”
MasterCard contactless merchant locations – from major retailers and quick service merchants to convenience stores, gas stations, grocery stores, pharmacies, vending machines, parking lots, mass transit and taxis – have grown from 2 to 3 million in a year, with MasterCard contactless now being accepted in 68 countries. HCE is currently supported in Android OS beginning with the KitKat 4.4 release. MasterCard’s approach combines custom software on the mobile device with secure cloud-based processing.