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Retail payments in face-to-face environments continue to be an area of considerable innovation. Many mobile devices are now equipped with Near Field Communication (NFC) technology that allows the mobile phone to communicate with contactless-enabled terminals, just as contactless EMV cards can. Host Card Emulation (HCE) is being proposed as a short-cut for mobile NFC payments. HCE is about making a mobile phone act like a smart card. This could allow a mobile phone to be used in a payment transaction at point-of-sale instead of a contactless smart card. With HCE, no smart card device is required. The payments application is held in the mobile phone operating system (the “host”). It could allow banks to launch mobile NFC products without needing to make use of the SIM or other Secure Element (SE), by allowing the mobile device operating system (OS) to communicate directly over the NFC interface in card emulation mode.


Raakhi Radhakrishnan

Working as security analyst with HSBC Software Development Pvt Ltd since 2 years. Work profile includes working on security incidents, identity and access management projects, compliance audits..


Starts at Saturday October 08 2016, 10:10 AM. The sessions runs for about 1 hour.