Visa and Mastercard Will Use Host Card Emulation for Mobile Payments NFC Android 4.4 (KitKat)

One of the novelties of Android 4.4 (KitKat) was the support of the Host Card Emulation (HCE) specification for mobile payment with NFC, in which any application can represent virtually and safely through the NFC smart card to make a transaction without using Secure Element (element insurance).
With the HCE You can emulate payment cards, loyalty programs, access cards, transport cards and any type of NFC card but has not yet launched this new feature compatible with Android 4.4, at the moment only uses it Google Wallet but not for long.
Visa y MasterCard they have announced that they will use the HCE to NFC mobile payments system, promoted tools to banks and card issuers, so that they can support in their applications the contactless cards Visa payWave y MasterCard paypass so that your customers can do contactless payments with your compatible devices.
Last year MasterCard It already carried a pilot test of the EHR system with Capital One and Banco Sabadell with positive results, and this year will make additional deployments with other financial institutions.
Now only you need wait for the banks to take the tools offered by Visa and MasterCard to make them from launching their payment applications for Android 4.4 or higher. Hopefully that they will take not much, since each time there are more places to pay with contactless and mobile but still no bank offers to pay with the NFC mobile, currently only Vodafone with your Vodafone Wallet and its Smartpass. To see if this year finally is the deployment of NFC payments.