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One of the credit card giants is embarking on the journey to endorse new mobile payment technology with support for Host Card Emulation (HCE) that will enable them to bypass the hardware-based mobile payment system. Their engineering team has developed a Software Development Kit (SDK) to support clients who wish to develop their own mobile payment application.

Prior to HCE, payment credentials needed to be stored in a highly restricted part of the smartphone controlled by mobile carriers, the Secure Element (SE). Carriers have long been the gatekeepers for who and what get access to a phone’s secure element and have typically charged fees for accessing it. Now, with HCE, phones can still conduct mobile payments without carrier’s control and constraints.

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