Host Card Emulation (HCE) is the technology that emulates a contactless smart card without the need for any secure element in the device. It was introduced by Google with Android KitKat operating system and is currently available in the Windows 10 Mobile and Android Kitkat 4.4 and higher operating systems.
PayCore’s HCE solution provides secure and reliable cloud-based card credential management. The core functionality is to provision an end user’s card credentials into the cloud environment and enable their wallets to use these credentials in a secure and efficient way.
