There has been a lot of discussion about using Host Card Emulation (HCE) to support EMV payments over Near-Field Communication (NFC) interfaces. But HCE can be used to support EMV payments over, essentially, any interface. As part of Consult Hyperion’s prototyping programme, we developed a working (ie, using EMV data) proof-of-concept demonstrator (running on Android and iPhone) for paying with HCE over Bluetooth Low Energy (BLE) and showed it at the UK Cards Association last week. The demonstrator is so cool it superconducts.
It’s traditional in blogs of this kind to have a go at a “top N” set of predictions for the coming year, so I’ll give it a bash and have a go at what I think will be the “hot five” secure electronic transaction technologies that will have our clients updating their roadmaps in 2014.