Applus+ around the world
Close Countries Panel
Close Divisions Panel
Applus+ DIVISIONS
Energy & Industry Division
Industrial and environmental inspection, vendor inspection, technical assistance, non-destructive testing (NDT) and technical staffing for all type of industries.
Logo RTD Logo VELOSI Logo NORCONTROL Logo Intec Logo K2
Logo Ingelog Logo JAN Logo Kiefer Logo Novotec Logo NRay
Logo PTJava Logo Skc Logo XRay Logo Qualitec
Laboratories Division
Multidisciplinary laboratories.Testing and engineering for product development. Conformity testing and product certification. SYSTEMS CERTIFICATION.
Logo Applus Laboratories Logo Applus Certification
Automotive Division
Statutory vehicle inspection services and emission & gas testing solutions worldwide.
Logo Applus Automotive Logo Applus ITVE Logo NCT Logo Applus Bilsyn Logo K1
Logo Technologies Logo ITVs Logo Riteve
IDIADA Division
Design, engineering, testing and homologation services for the automotive industry worldwide.
Logo Applus IDIADA

Cloud-based mobile payment (HCE) testing

Visa, MasterCard & AMEX security evaluations of Cloud-based Payment application for HCE-enabled mobiles.
The adoption of Host Card Emulation (HCE) in mobile devices with Android OS (version 4.4 KitKat and higher) has led to the development of new Cloud-based payment solutions.  With HCE, mobile payment applications may reside in the host processor instead of the secure element, while security measures are provided via servers in the cloud and tokenization.
Payment schemes are publishing new compliance requirements to evaluate HCE application security and functionality. Cloud-based payment and HCE technology introduces relevant changes in the mobile payment ecosystem, as it enables banks and retailers to launch their own mobile wallets or payments solutions in the cloud without needing previous agreements with telecom operators (MNO) and mobile manufacturers.
Furthermore, HCE solutions are software-centric. The investment required to develop a HCE payment application is considerably lower than a chip-based solution, both in resources and technology. This new scenario opens the mobile payment market to new technological solution providers.   
Our Solution
Applus+ Laboratories is recognised to provide testing and evaluation services for HCE mobile applications according to:
  • Visa Ready Program for Cloud-based Payments
  • AMEX Enabled Program for HCE products
  • MasterCard Cloud-based Payments (MCBP)
Our services include:
  • Training sessions
  • Gap analysis of security requirements
  • Debug sessions for functional requirements
  • Security Assessment recognised by payment schemes
Cloud-based mobile payment (HCE) testing
 
Site map