Microsoft’s Response to Apple Pay & Samsung Pay #HCE

Microsoft is poised to release the new version of its Windows operating system, also known as Windows 10. At the recent WinHEC event in China, Microsoft made some revelations around how the Windows 10 platform will look like on mobile handsets. As reported by Nokia Power User, Windows 10 will bring a new form of enabling mobile payments, a play also observed in existing systems such as Apple Pay and Samsung Pay.

Microsoft will reportedly enable mobile payments in a Tap to Pay manner. Apart from supporting NFC, Windows 10 will support Host Card Emulation (HCE) as well. This will suppress the need for a secure element embedded in the phone or a SIM card. This means that Microsoft will not have to partner with mobile carriers to support payments. Instead, Microsoft will look to partnering with Visa, MasterCard and Amex to enable HCE based mobile payments.

From a security aspect, Microsoft is looking to leverage biometric sensors to enable log-in access for Windows 10 users. Here are some illustrations that highlight the upcoming Windows 10 based mobile payments:

Source: Nokia Power User

The next update to the Windows operating system is being touted as a universal platform supporting all types of devices, including mobile phones and tablets. Windows 10 is expected to offer support for in-app payments based on NFC, and now HCE. The revelation around Microsoft enabling mobile payments came to light after Microsoft announced that it is hiring software developers and testers to join a team engaged in the development of a platform for NFC payments via Windows devices.

With NFC based payments gaining traction in the market, thanks to Apple Pay, a large proportion of Windows phone users are expecting better support and an availability of additional options for enhanced NFC based payments. This is the first time there has been significant momentum to make contactless wallets happen. Microsoft is looking forward to leveraging this by bringing HCE technology into the picture as well.

With the mobile OS being the key to enabling mobile payment services on smartphones, Microsoft indeed has much to do in order to meet the expectations of the industry, and moreover, the customer.