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No secure SIM card or special app needed to make mobile payments using a Windows 10 handset

No secure SIM card or special app needed to make mobile payments using a Windows 10 handset
While Apple Pay has been the rising tide that lifts all mobile payment boats, most of those boats are Android powered. In other words, Microsoft's mobile platform has been pretty barren when it comes to a mobile payment service. Sure, there was Softcard, but its Windows Phone app was shuttered when Google bought the technology and IP of the mobile payment system that was developed by Verizon, AT&T and T-Mobile.

But there is good news. According to some PowerPoint images revealed at WinHEC, Windows 10 for Phones will feature Host Card emulation for NFC payments. This means that a Windows 10 powered handset with NFC won't need a special SIM card from their carrier. Android users need to insert the special SIM card into their handset to maintain privacy. In addition, no special app will be required for Windows 10 users either.

Microsoft has already agreed to offer this in conjunction with Amex, Visa and Master Card. The software giant will need to play catch-up to Apple and Samsung. The latter has already purchased LoopPay, which gives it access to more than 10 million POS terminals.

The PPT included a short promo video which you can view by clicking on the video below. Be warned, it is not in English!


source: NPU via WMPoweruser

11 Comments
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posted on 23 Mar 2015, 01:09

1. vincelongman (Posts: 4877; Member since: 10 Feb 2013)


Finally Microsoft steps into mobile payment
Hopefully they expand globally soon

Google need to step up their efforts
Google Wallet is almost 4 years old and still limited to the US
Google only introduced Host Card emulation with KitKat
And Google haven't updated to tokenization yet

posted on 23 Mar 2015, 01:15

2. vincelongman (Posts: 4877; Member since: 10 Feb 2013)


Just realised, there's an error in the article
Google introduced Host Card emulation with Android KitKat a couple years back (check your source's wiki link)
It was Softcard that still needed the SIM with the secure element

posted on 23 Mar 2015, 06:32

4. elitewolverine (Posts: 5192; Member since: 28 Oct 2013)


How is there an error? They didnt say MS came with it FIRST. Please re-read and comprehend it before jumping down the author's throat. And that still didnt matter, cause you still needed a special sim since the major card companies didnt roll out HCE yet. Hence why the author stated it. Now that card companies have stated their support of it, they will no longer need a special sim and wait on the carriers etc.

posted on 23 Mar 2015, 14:52

7. vincelongman (Posts: 4877; Member since: 10 Feb 2013)


Lol
The author fixed it before you read it

posted on 24 Mar 2015, 13:36

9. elitewolverine (Posts: 5192; Member since: 28 Oct 2013)


my apologies for the snap reaction

posted on 24 Mar 2015, 16:00

11. vincelongman (Posts: 4877; Member since: 10 Feb 2013)


No problem, the author really should have add a note or something like that

posted on 23 Mar 2015, 03:23

3. androiphone20 (Posts: 1654; Member since: 10 Jul 2013)


its nice to have all major platforms on board with this, it remains to be seen how fast most retailers will adopt this

posted on 23 Mar 2015, 07:28

5. 7thspaceman (Posts: 1573; Member since: 14 Feb 2011)


This is great for Windows phone 10.for Windows smart phones to be a good 3rd place smart
phone Eco system it needed this. Windows 10 will bring new features to Windows smart phones and Universal Apps to help developers make apps that run on different Windows devices. Now windows smart phones just needs an app that makes them able to access and use Android apps to help it close the Apps gap.

posted on 23 Mar 2015, 08:04

6. elitewolverine (Posts: 5192; Member since: 28 Oct 2013)


Hopefully this brings the bank back now that they have this support for business users

posted on 24 Mar 2015, 07:51

8. justForTheRecord (Posts: 51; Member since: 17 Jan 2015)


Why would anyone NOT want a secure SIM card / phone before strolling around with NFC ready to corre$pond with any other NFC in the vicinity?!?!?! $ounds a little in$ane to me. But it would be typical of how Micro$oft treats security; their PC OS being a prime example in that the largest PC industries in existence revolve around keeping M$ PC OS secure. LOL

posted on 24 Mar 2015, 13:43

10. elitewolverine (Posts: 5192; Member since: 28 Oct 2013)


You mean how Google is refusing to fix 50% of their phones in lew of security? Yea that OS.

Lets not forget that android is king of malware for mobile. I mean just go to the store and type in antivirus...that will give you the idea of the platform just as much as the desktop.

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