Technology Near Field Communication (NFC), which appeared in support of Android back in 2010 , is designed for a huge number of tasks , implying contactless transfer small amounts of data over short distances , including micropayments.
But its implementation has been hampered by the fact that banks do not meet the security system in smartphones and tablets . It seems that with the advent of technology in HCE problem was solved and NFC- payments will receive a new stage of development.
Although Google has promoted its own system in the U.S. wireless payments Wallet, bring it to other continents did not work. Any financial transactions must be safe as well as Visa, MasterCard and were not satisfied with the measures proposed search giant . With this guide to understand all payment systems advantages NFC and each of them started to build their own strapping around her. But eventually born Visa Paywave and MasterCard PayPass demanded incorporation into mobile Security Element and imposed a number of restrictions on the ability of the firmware.
However, in 2011 the technology was invented Host Card Emulation (HCE), which allows the chip to emulate a conventional plastic card with a software solutions and without a security breach. She became known to the public in the second half of 2012 thanks to a partnership with the creators of CyanogenMod, which has given rise to a severe response in the subject press.
All elapsed time Visa and MasterCard tested HCE, because there understand that the need for the Security Element of their own technologies severely limits the spread of NFC- payments. For their implementation , even in one device had for a long time to conduct multilateral negotiations . This Russian owners of HTC One could feel the - " Trick " was on their smartphones for a long time .
Recently finally Visa and MasterCard announced that recognize HCE safe and start promoting this technology. And modern smartphones are ready for it - support for Host Card Emulation appeared in Android 4.4 KitKat (« Payment via NFC»). While its share of all devices on the operating system from Google is not high , but it is growing . By the way , who studied SDK Windows Phone 8.1 application developers claim that the new version of the system from MSFT technology is also supported .
Hopefully, thanks to the HCE micropayments via mobile devices will become commonplace . Users do not have to carry the cards , tear them purse and be afraid to lose . However, whether such a rosy future NFC- payments, as we want to , only time will tell .
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