HCE

UnionPay’s Cloud-Based HCE solution allows NFC-enabled Android smartphones to emulate a contactless IC card to make NFC payments on QuickPass terminals. In this solution, it does not require the mobile device to have SE (Secure Element), which covers more mobile device models. Also, UnionPay’s Cloud-Based HCE solution shares token provisioning APIs with QRC business, which lowers the development costs and speeds up the deployment for issuers.

Appalicability

UnionPay International Issuance Licenseor Third Party Service Provider.

Scenarios

In-store NFC payment.

Payment Flow

Step 1: Bind your UnionPay card with the Wallet app.

Step 2: Tap your mobile device on a POS terminal.

Step 3: Enter your PIN in the POS terminal, if necessary

Step 4: Transaction is complete.


Use Case

1 . In-store NFC payment

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Features

In this solution, the mobile device does not need to have SE (Secure Element), which covers more mobile device models. Also, UnionPay’s Cloud-Based HCE solution shares token provisioning APIs with QRC business, which lowers the development costs and speeds up the deployment for issuers.

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