One of the most popular payment services “YuMoney” in Russia offered an alternative to offline payment for users of devices on the Android operating system. That is, if you have an NFC module and a pre-installed mobile application.
The thing is that with contactless payment with a YuMoney card the same principle works as with conventional payment services, nothing new. But the payment is made thanks to the Host Card Emulation (HCE) technology and the NFC module, so you only need to bring the gadget close to the terminal and you will be charged. Other cash-related transactions take place in a similar way when a device with an NFC module is brought near the terminal. This can be a cash withdrawal or replenishment of a bank card. The emulation of a normal plastic card or store/bank loyalty cards occurs in the same way, via Host Card Emulation (HCE).
To issue a card with free service, you just need to use the mobile application and link it to the electronic wallet of the service. For protection, a PIN code is used if the purchase amount exceeds 1000 rubles. Other means of protection also work, such as the ability to pay only when the smartphone is unlocked, by entering a PIN code when starting the program.
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Source: IXBT
