Wednesday, January 22, 2014

Host Card Emulation Series: Stored-Value Cards and HCE


This post will focus on using stored-value cards for payment at contact-less NFC terminals through an HCE (Host Card Emulation) solution. HCE technology present in NFC payment apps can be used with various different cards. A large number of retailers are offering company branded stored-value cards to consumers. This use case will look at precisely that, using stored-value cards at NFC terminals.

     For this example we are using the McDonald's Arch Card. 
     

           



           
              McDonald's Arch Card











McDonald’s for some time has had contact-less NFC capable payment terminals installed and operational in all of  its franchises in the U.S. This example will use the re-loadable Arch card to pay as well as re-load balance at contact-less NFC terminals. The Arch Card is available for purchase at various locations including all McDonald's restaurants. This specific card as well others with similar architecture are able to be loaded into the system SimplyTapp has created utilizing HCE. For this example I will be using the “Tapp“Application now available for free on Google Play store.

Simple process of loading your Arch Card for payment into Tapp app:
  1. Downloaded Tapp app from Google Play store.
  2. Log in and select to add a card from the add card button indicated by + sign in the action bar.
  3. Select Mcdonald's Arch Card and purchase.
  4. Refresh card list and Arch card will be loaded into Tapp App.
  5.      Select Arch Card for payment.
At this point my Tapp app is ready to make payments with your Arch Card at McDonald’s contact-less terminals, which are standard at all locations in the U.S.


Paying with your KitKat Android  4.4 device using the HCE architecture found in the Tapp app provides a great user experience.  There is no specific or additional  instructions necessary when using your digital copy of your Arch Card loaded into your Tapp app.  Flow of transaction was similar to a typical experience, order was placed and cashier simply asked cash or card. Card was indicated as form of pay and at this time phone was placed over terminal and payment was made with my Arch Card. The experience for the merchant as well as the user was seamless. A video of the experience is found below:

  Pay with Arch Card:
                                        https://www.youtube.com/watch?v=6Off6nvl3t8

At McDonald’s I was also able to add additional funds to my re-loadable Arch Card that was previously loaded in my Tapp app. The process was simple and strait forward. I told the cashier that I had a re-loadable Arch Card and I wished to add additional funds to it.  The cashier rang me up and I handed cash over. I then placed my phone over the terminal and card was reloaded. From a user experience reloading and payment were the same. A video of the experience is found below:

   Reload Arch Card:
                                      https://www.youtube.com/watch?v=iCJTJSWhFEc

All of my transactions with my Arch Card can be monitored through McDonald's website.The Tapp app does not currently possess functionality to update balances on application. The HCE digital transaction shown in videos above are reflected in the following statement.








Having the Tapp app with HCE capabilities it allowed me to use the Arch Card at  McDonald's terminal from my mobile phone. My completely digital transaction added to my user experience and gave a great glimpse in to the future of payments from the view point of stored-value cards. The pairing of HCE and stored-value cards offer a great way to add value on either side of the transaction.





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    우리카지노를 찾습니다.바카라를 처음 시작하시는 초보자분들에게도 우리카지노에서 카지노사이트를 시작하시기 좋은 환경입니다. 우리카지노사이트에서는 신규가입시 3만쿠폰을 지급 해주기 때문입니다. 사람들이 늘 1등만을 찾는 이유는 분명 있습니다. 다른 카지노사이트와는 달리 우리카지노를 이용하실시 에이전트를 끼고 게임을 하신다면 본사 이외에 활동쿠폰 및 오링쿠폰을 별도로 제공해주고 있기 때문입니다. 이러한 이유들 때문에 카지노사이트 업계에서 바카라를 즐기신다면 다들 우리카지노를 선호 하십니다. 카지노사이트에서 바카라를 이기기 물론 어렵습니다. 하지만 우리카지노의 에이전트를 끼고 바카라를 즐기신다면 승산이 있다고 봅니다. 우리카지노 에이전트의 연락처는 홈페이지로 연락하시면 언제든지 부담없이 소통가능 합니다. 카지노사이트를 선정할때는 바카라를 다른곳보다 유리하게 즐길 수 있는 카지노를 선택해야한다고 생각합니다. 그것이 바로 우리카지노 입니다. 이상으로 우리카지노와
    바카라 카지노사이트 사이의 상관관계를 알아보았습니다 바카라사이트.

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  69. Just 99 Web Design offers affordable web design packages for every business, from basic one-page websites to full eCommerce website design services. low cost website designing

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  70. 토토커뮤니티를 통해 안전한 토토사이트를 찾은 것은 매우 어려운 일입니다. 저희토토세일러는 까다로운 검증을 걸쳐 최대한 안전한 토토사이트, 메이저사이트, 안전놀이터를 여러분께 소개해드리는 것이 목표입니다.

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