{"id":3466,"date":"2014-07-15T11:08:38","date_gmt":"2014-07-15T11:08:38","guid":{"rendered":"http:\/\/www.gsma.com\/about-us\/regions\/europe\/?p=3466"},"modified":"2014-07-15T11:08:38","modified_gmt":"2014-07-15T11:08:38","slug":"new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services","status":"publish","type":"post","link":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/","title":{"rendered":"New guide explores opportunities in software and hardware based NFC payment services"},"content":{"rendered":"<p><a href=\"http:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/Payment-woman-POS-handset_small.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-3467\" title=\"Payment-woman-POS-handset_small\" src=\"http:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/Payment-woman-POS-handset_small-300x199.jpg\" alt=\"\" width=\"150\" height=\"80\" \/><\/a>Europe has one of the most advanced mobile payment markets in the world. Expanding usage of credit and debit cards, e-commerce growth and the popularity of smartphones have created an appetite for mobile payments.<\/p>\n<p>Banks, mobile operators and card schemes have been trialling SIM-based Near Field Communications (NFC) services across the globe. In SIM-based NFC services, the security information that is usually stored in the tamper-resistant chip within a debit or credit card is instead stored on a similarly tamper-resistant chip on the SIM, which acts as a \u201csecure element\u201d. This enables consumers to use their mobile device for secure services including payment, ticketing, access, loyalty and vouchers. This SIM-based approach is currently used across Europe, such as CitiZi in France, SmartPass in Germany and Tapit in Switzerland.<\/p>\n<p>A second type of service called host card emulation (HCE) has recently caught the attention of mobile operators and banks. Used in the BlackBerry operating system from 2010, it was included in the Android operating system in late 2013. The HCE-based service enables any app on any NFC-enabled Android 4.4 device to emulate a contactless card and uses software to protect the debit or credit card security information, rather than the secure element chip.<\/p>\n<p>These two approaches have caused some confusion in the mobile payment ecosystem. To help mobile operators and banks understand the differences, the GSMA commissioned digital payments experts Consult Hyperion to produce a guide on the opportunities and challenges of each approach.<\/p>\n<p>The guide, <a href=\"http:\/\/www.gsma.com\/digitalcommerce\/consult-hyperion-hce-simse-discussion  \">HCE and SIM Secure Element: It\u2019s not Black and White<\/a>, looks at the areas where HCE could simplify aspects of the current NFC ecosystem. It also looks at other differences, such as HCE\u2019s approach to security for ecosystem integration, risk management and certification processes, and how they compare with the SIM secure element\u2019s well-defined processes.<\/p>\n<p>The financial services ecosystem has welcomed the comparison, with MasterCard, UK Cards Association and the Mobey Forum formally endorsed the guide to their members.<\/p>\n<p><a href=\"http:\/\/www.gsma.com\/digitalcommerce\/consult-hyperion-hce-simse-discussion  \"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-3468 alignnone\" title=\"HCE guide cover\" src=\"http:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/HCE-guide-cover-215x300.jpg\" alt=\"\" width=\"215\" height=\"300\" srcset=\"https:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/HCE-guide-cover-215x300.jpg 215w, https:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/HCE-guide-cover.jpg 424w\" sizes=\"auto, (max-width: 215px) 100vw, 215px\" \/><\/a><\/p>\n<p>Download <a href=\"http:\/\/www.gsma.com\/digitalcommerce\/consult-hyperion-hce-simse-discussion  \">HCE and SIM Secure Element: It\u2019s not Black and White<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Europe has one of the most advanced mobile payment markets in the world. Expanding usage of credit and debit cards, e-commerce growth and the popularity of smartphones have created an appetite for mobile payments. Banks, mobile operators and card schemes have been trialling SIM-based Near Field Communications (NFC) services across the globe. In SIM-based NFC [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"algolia_discover_type":[5018],"class_list":["post-3466","post","type-post","status-publish","format-standard","hentry","category-general","algolia_discover_type-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New guide explores opportunities in software and hardware based NFC payment services - GSMA Europe<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New guide explores opportunities in software and hardware based NFC payment services\" \/>\n<meta property=\"og:description\" content=\"Europe has one of the most advanced mobile payment markets in the world. Expanding usage of credit and debit cards, e-commerce growth and the popularity of smartphones have created an appetite for mobile payments. Banks, mobile operators and card schemes have been trialling SIM-based Near Field Communications (NFC) services across the globe. In SIM-based NFC [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/\" \/>\n<meta property=\"og:site_name\" content=\"GSMA Europe\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gsma\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-07-15T11:08:38+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/Payment-woman-POS-handset_small-300x199.jpg\" \/>\n<meta name=\"author\" content=\"tskinner\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GSMA\" \/>\n<meta name=\"twitter:site\" content=\"@GSMA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tskinner\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"New guide explores opportunities in software and hardware based NFC payment services - GSMA Europe","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/","og_locale":"en_GB","og_type":"article","og_title":"New guide explores opportunities in software and hardware based NFC payment services","og_description":"Europe has one of the most advanced mobile payment markets in the world. Expanding usage of credit and debit cards, e-commerce growth and the popularity of smartphones have created an appetite for mobile payments. Banks, mobile operators and card schemes have been trialling SIM-based Near Field Communications (NFC) services across the globe. In SIM-based NFC [&hellip;]","og_url":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/","og_site_name":"GSMA Europe","article_publisher":"https:\/\/www.facebook.com\/gsma\/","article_published_time":"2014-07-15T11:08:38+00:00","og_image":[{"url":"http:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/Payment-woman-POS-handset_small-300x199.jpg","type":"","width":"","height":""}],"author":"tskinner","twitter_card":"summary_large_image","twitter_creator":"@GSMA","twitter_site":"@GSMA","twitter_misc":{"Written by":"tskinner","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/#article","isPartOf":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/"},"author":{"name":"tskinner","@id":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/#\/schema\/person\/1b40bad877c2a9852e15903ab9c5a548"},"headline":"New guide explores opportunities in software and hardware based NFC payment services","datePublished":"2014-07-15T11:08:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/"},"wordCount":348,"commentCount":0,"image":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/#primaryimage"},"thumbnailUrl":"http:\/\/www.gsma.com\/about-us\/regions\/europe\/wp-content\/uploads\/2014\/07\/Payment-woman-POS-handset_small-300x199.jpg","articleSection":["General"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/","url":"https:\/\/www.gsma.com\/about-us\/regions\/europe\/general\/new-guide-explores-opportunities-in-software-and-hardware-based-nfc-payment-services\/","name":"New guide explores opportunities in software and hardware based NFC payment services - 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