Host Card Emulation (HCE)
Host card emulation (HCE) is a technology that emulates a payment card on a mobile device using only software. This approach offers technical and business benefits to a wide range of mobile industry stakeholders that are active in the near field communication (NFC) payments ecosystem.
Host Card Emulation is a feature of the mobile operating system that allows for the secure element to be present outside the mobile device. By moving the secure element to a remote environment, the complexities and associated costs can be bypassed: application issuers can directly provision their applications to a secure element without any third-party involvement.