Issuers … give HCE a shot now

Imagine expanding your existing bank mobile app to do card emulation.. with NO TOLL to the TSM or carrier.. you are in complete control. A project which should be sub $1M AND NO CONTRACTS!!

Imagine expanding your existing bank mobile app to do card emulation.. with NO TOLL to the TSM or carrier.. you are in complete control. A project which should be sub $1M AND NO CONTRACTS!!

The only current dependency is Android 4.4 with an NFC or HCE capable handsets.. with over 40 new OEMs  handsets shipping in next few months.

I’ll fill this blog out in more detail, but here are the key actions

  1. mobile app development
  2. workout how your static signing keys can be deployed. SimplyTapp has solution in place (https://www.simplytapp.com/)
  3. Test with legacy embedded handsets and new OEMs to establish your test pool
  4. Create a new consumer registration service where virtual keys are provisioned to application (again SimplyTapp has this)

Google’s phones are ringing off the hook. Retailers, loyalty providers, Banks are all working to leverage this new approach. The Android team can help you with the APIs.. but recommend you get in touch w/ SimplyTapp today

(I have no current relationship with SimplyTapp… but think it is something that makes sense as hardware evolves to software)

– Tom

 

One thought on “Issuers … give HCE a shot now”

  1. Who needs HCE (or even normal SE-based NFC) if there is no retail infrastructure?.. All dressed up and nowhere to go…

    MA said (twice!) today at Cartes in Paris that they are firmly committed to SE-based solutions… Top French and Dutch banks said they will look into HCE, but don’t expect it to be fully certified for… 5-7 years…

    Even for CP e-comm you need cloud EMV reader (we are preparing a demo with a major bank and a card network).

    If and when HCE is fully adopted, it does indeed represent a cleaner and simpler route. IF (!!) it proves to be sufficiently secure…

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