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KitKat supports "host card emulation" for near-field communications, which allows apps to emulate a smart card for activities such as mobile payments.
On 22 July 2014, Westpac publicly announced that they would pilot their host card emulation (HCE) mobile payments technology to customers.
Host card emulation (HCE) is the software architecture that provides exact virtual representation of various electronic identity (access, transit and banking) cards using only software.
Some providers are starting to use host card emulation, or HCE (e.g. Google Wallet and Softcard)
Engaging an NFC protocol connection by placing the smartphone near the NFC Reader (using host card emulation method).
For example, Google's deployment of Host Card Emulation on Android KitKat provides for software control of a universal radio.
Google introduced platform support for secure NFC-based transactions through Host Card Emulation (HCE), for payments, loyalty programs, card access, transit passes, and other custom services.
Host Card Emulation Plus ("hCE+") is a proprietary hardened security derivative of host card emulation that is mostly used in the East Asian market.
Bell Identification B.V., or Bell ID, is a Dutch software company that develops smart token management solutions, including key management, smart card management, EMV data preparation and host card emulation based mobile payments software.
Abraham, who works as an adviser to SimplyTapp, a company that builds Host Card Emulation technology for devices using Android, says identity thieves are buying iPhones with stolen credit card information and then loading them with that stolen credit card information.