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HCE terminology and architecture diagram

HCE

Terms Used in HCE Terminology

When we talk about HCE methodology, many interacting architectural components come to mind. The core terms describing this architecture are listed below, starting with GCM/FCM (Google/Firebase Cloud Messaging), a service for sending push notifications.

Illustration of a Card Not Present (CNP) online payment transaction

Credit Card

What Is a CNP (Card Not Present) Transaction?

CNP refers to a transaction made through a website or a company's own app payment page, where the card is not read by any device and its details are entered manually. It is short for Card Not Present.

Diagram of ISO 8583 Field 2 (F2) card number structure

ISO 8583

ISO 8583 Field Descriptions (F2)

F2 is the Card Number field in ISO 8583, identifying the cardholder and issuing bank. This post covers its structure, the 8-digit BIN update, field format, first-digit scheme identification, and PCI DSS security requirements.

HCE mobile payment PIN strategies

HCE

What Are the PIN Strategies in HCE?

There are three types of PIN strategy in HCE (Host Card Emulation): No PIN, Card PIN and Wallet PIN or customer biometric data. Each balances user experience and security differently.