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hce

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Android Pay v1.5 prepares to show new users where to find NFC on their phones and might be experimenting with the secure element again [APK Teardown]

There are a lot of factors playing into the success and failure of mobile payment systems. Perhaps the most challenging issue for Android Pay to overcome isn't the slow adoption of compatible payment terminals or the general lack of awareness about contactless payments, it's the confusion people experience once they decide to try it. While many users are nervous simply because they don't know what to expect, some others are confronted with an even bigger challenge: they have no idea where the NFC antenna is on their phone. The Android Pay app has been progressively adding more informative screens to help with educating users about tap-and-go payments, and now evidence from a teardown suggests Google will soon teach users what part of the phone to actually tap with.

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With SmartSD, The SD Association Wants To Adapt MicroSD Cards To Make Mobile Payments

For mobile payments to really take off, the functionality needs to be available to far more than merely the latest devices. For this reason, the SD Association, a non-profit that sets memory card standards, is pushing a means to use microSD cards to make otherwise incompatible devices compatible.

The SD association calls this technology smartSD. The technology apparently enables a secure element for Host Card Emulation, a necessary step for creating digital copies of payment cards the way we've seen in Google Wallet and Android Pay. SmartSD uses a device's native NFC, removing the need to embed such technology into the card directly.

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Ars Technica: Google Is Preparing To Launch Android Pay, An API For Seamless Tap-And-Pay Transactions

Google has had a fairly rough time convincing consumers to use Wallet for in-store purchases. However, with the recent acquisition of Softcard's "technology" alongside plans to preload Wallet on Android phones from most major US carriers, Google is putting its weight behind a renewed effort to be a major player at brick-and-mortar locations. Amidst rumors that Google still has something else to announce at I/O, Ars Technica received a tip that a brand new payment platform called Android Pay will be announced at the conference.

According to the source, Android Pay is specifically geared for mobile devices and allows 3rd-party apps to drive both virtual and real-world purchases through a single interface.

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Visa And MasterCard Announce Support For NFC Payments With Host Card Emulation In KitKat

That Google Wallet icon is looking awfully lonely in Android 4.4's Tap and Pay menu. Twin announcements from Visa and MasterCard could finally mean a few more options for NFC payments on Android, though. Both payment technology firms will be providing tools for card issuers to support Host Card Emulation (HCE) on user accounts.

HCE

This doesn't mean that all your Visa and MasterCard accounts are going to magically start working with HCE, but some of them might in the not too distant future. Banks will be able to use the specifications published by Visa and MasterCard to create or update apps with HCE support.

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