Illustration of Host Card Emulation technology for NFC mobile payments - Global Banking & Finance Review
Image showcasing the Host Card Emulation (HCE) technology by Carta Worldwide, which simplifies NFC mobile transactions. This innovative solution enhances secure proximity payments, aligning with the article about the launch of Carta's HCE service.
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CARTA WORLDWIDE LAUNCHES HOST CARD EMULATION SOLUTION FOR NFC

Published by Gbaf News

Posted on March 1, 2014

2 min read

· Last updated: November 23, 2018

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CARTA Worldwide Launches HOST CARD EMULATION Solution For NFC

CARTA Worldwide Launches HOST CARD EMULATION Solution For NFC

Carta Worldwide Introduces HCE for NFC

Next-generation transaction technology provider Carta Worldwide announced the launch of its End-to-end Host Card Emulation (HCE) solution for Near-Field-Communication (NFC) mobile transaction applications.

The solution cuts through the complexity associated with mobile payment deployments. It simplifies and enables EMV secure proximity transactions compatible with existing contactless POS acceptance systems without the need for traditional integration and system upgrade costs.

Comprehensive Lifecycle and Credential Support

Carta’s comprehensive HCE service provides full lifecycle support for cardholder credentials and transactions in credit, prepaid or debit programs. It also includes EMV data preparation, personalization, and provisioning and credential management via a secure cloud server, eliminating the need to deliver and manage NFC credentials on the device.

Cross-Platform Device Compatibility and Use Cases

The solution supports all Operating Systems with HCE capability and is actively in use with Blackberry, Nexus and Samsung Galaxy devices.

HCE Service

HCE Service

Backed by Carta’s next generation, network certified open or closed loop transaction technology, this HCE solution offers options for full service issuance and deployment of branded mobile NFC accounts, and can be deployed as an easily integrated service for issuers with Carta’s “Issuer-Link” system. This revolutionary Issuer-Link system enables issuers to rapidly connect their existing legacy processing systems to these emerging payment methods and deploy products to market while minimizing cost and time associated with integration and system upgrades.

CEO Insights on HCE Technology Benefits

Carta CEO Brian Semkiw commented: “Carta’s HCE technology will accelerate the deployment of NFC-based mobile products with a fraction of the cost of traditional models that are currently in market. This technology breakthrough will open up NFC mobile services to a broad market and provide simple solutions for banks, MNOs, program managers and other solution providers to deploy successful products to market.”

Market Trials and Industry Collaboration

Carta is currently supporting market trials in Europe and North America.  Carta helps issuers, MNOs, retailers and others to discover HCE technology and is assisting development teams aimed at large-scale deployments targeted for late 2014.

Key Takeaways

  • Carta Worldwide has launched an end‑to‑end Host Card Emulation solution enabling NFC mobile payments without secure elements.
  • The HCE service simplifies EMV proximity transactions via cloud‑based credential management, avoiding device‑level credential storage.
  • It supports credit, prepaid and debit programs, across BlackBerry, Nexus and Samsung Galaxy devices and all HCE‑capable operating systems.
  • Its Issuer‑Link system connects issuers’ legacy systems to modern mobile payment methods, reducing integration costs and time.
  • Market trials are underway in Europe and North America ahead of large‑scale deployments expected in late 2014.

References

Frequently Asked Questions

What is Host Card Emulation (HCE)?
HCE is a software architecture that enables NFC devices to emulate payment cards using cloud‑based credential management instead of hardware secure elements.
Which devices and OS does Carta’s HCE support?
It supports all HCE‑capable operating systems and is actively used on BlackBerry, Nexus, and Samsung Galaxy devices.
What is Carta’s ‘Issuer‑Link’ system?
Issuer‑Link connects issuers’ legacy processing systems to modern NFC mobile payments, minimizing integration costs and enabling rapid deployment.
Where are trials being conducted?
Market trials are under way in Europe and North America ahead of anticipated large‑scale deployments in late 2014.

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