HCE – Host Card Emulation

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.