Host Card Emulation – The new face of mobile payments!

Transform the smartphone into a smart card!

HCE (Host Card Emulation)

• The new mobile card solution based on host card emulation (HCE) technology which enables smartphones to be used as easily and securely as a standard chip card.
• EMV compatible
• Does not require a particular SIM card or secure element
• Supported by VISA and MasterCard
• Applies to all smartphones running Android operating system 4.4. and above.

• By transferring a token in advance, payments can also be processed without an active internet connection.
• HCE is a software-only solution. All data produced for the transaction is filed away in a secure central server environment.

HCE software solution – convenient contactless payments at the point of sale, for all consumers.

ALL KEY FUNCTIONS IN THE MOBILE APP!

• Registration and change of personal data and contact details
• Balance view (available, pending/reserved)
• Transaction history
• Show virtual bank account number for wire transfer (SEPA Credit) top-up
• Top-up methods (Credit Card, SEPA Direct debit etc.)
• Show card details (PAN, Expiry date, CVV) for online purchases
• KYC upgrade: upload ID documents for identity verification
• View Ts&Cs
• Show FAQs/Help Text
• Customer care Information
• Login/logout

Optional functionalities available!

• POS Locator
• Web user interface based on Twitter Bootstrap framework

✓ Ideal for suppliers who wish to reach a wide range of cardholders and operate at the interface of mobile wireless technology providers and manufacturers of mobile devices.
✓ Retailers, banks and white label partners can provide this card solution available quickly and conveniently via a conventional app.
✓ The solution enables BANKS to reach up to 100% of the customer base, lower the bank’s investment and the operational costs.