Commonwealth Bank has finally embraced ‘Host Card Emulation‘ (or HCE), a new API that was introduced with Android 4.4, KitKat – allowing anybody with a device running Android 4.4 or later (and has NFC) to use ‘Tap and Pay’, or PayPass at any terminal that supports it.
Possibly the most touted feature of NFC has been mobile payments. The idea of only having to carry one device – when you go shopping, you only have to pull out your phone, tap it to the terminal, and you’ve just paid for your groceries. Unfortunately the above scenario is only true today for a select few – in the US, Google is making their best efforts to push Google Wallet.
Here in Australia, Commonwealth Bank have made the first move, selling an NFC enabled case, called an iCarte, that allows you to use your iPhone as your ‘wallet’. Or, at least make PayPass payments after you open the Kaching app. So how does it work?