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Host Card Emulation

Increasing flexibility and reducing cost of implementation by eliminating a discrete Secure Element (SE), Rambus Bell ID Host Card Emulation (HCE) technology provisions a payment card on a mobile device leveraging cloud-based software and the mobile operating system to enable a “virtual” SE.


Host card emulation overview diagram

The Rambus Bell ID HCE Solution Overview

How Host Card Emulation works

Mobile payment credentials have traditionally been stored in a smartphone hardware component known as the secure element (SE). However, the physical presence of an SE in the device creates dependencies and complexities that make it difficult and expensive for a card issuer to load cards on the smartphone of their customers.


The Rambus Bell ID HCE software enables mobile NFC transactions to be made by storing and accessing credentials in a remote environment rather than on the mobile device. By moving the SE to the remote environment of the cloud, the cost and complexity of managing a physical SE can be reduced significantly.

Part of a modular software platform, our HCE solutions can be combined with our Tokenization and Transaction Managers to enhance the security of the implementation and enable our customers to become their own Token Service Provider.


  • Certified by all major payment schemes
  • Fully compatible with EMV based contactless NFC readers and POS terminals for domestic and international payment schemes and PCI-DSS
  • Transactions can be made even when the device is not online by preloading payment credentials
  • Advanced tokenization where the original card numbers are replaced by alternative numbers
  • Access to white box cryptography algorithms
  • Transaction management for the use of virtual cards with no impact to the issuer’s legacy systems

For more information on the Rambus Bell ID Host Card Emulation, click here.

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