Roadmap for Secure Remote Commerce (SRC)

Visa, Mastercard and Rupay Tokenisation, 3D Secure V2 and SCA Services

Our Clients, Merchants, Payment Gateways, Acquirers, Wallet Providers and Card Issuers now require next generation of Mobile and Internet Secure Remote Commerce based on new EMVCo technology standards:

HCEWALLET platform delivers  to our valued Clients EMV Tokenisation and 3DS (3-Domain Secure) Version 2 Secure Remote Commerce (SRC) hosted payment services. These SRC mobile payment services are secured via our SWIM (Software Wireless Identity Modules) PKI (Public Key Infrastructure) which enables our Client’s customers to be secured by PKI digital identities on mobile devices!

SWIM product service is the major security component in our Clients’ mobile payments and messaging technology stack. SWIM Mobile Apps provide strong cryptographic security to a wide range of applications and services on mobile devices.


EMVCo compliant Secure Remote Commerce (SRC)

HCE SWIM secure remote commerce (SRC) mobile and host applications comply with HCE EMV Tokenisation, 3D Secure V2, and SCA (Strong Customer Authentication) mobile payments standards to deliver SRC and NFC Tap and Pay mobile payments to Clients.

We handle sensitive payment cardholder data securely within our PCI-DSS data centres conforming to the latest payments and security standards promoted by EMVCo and PCI Council.

Supporting EMVCo SRC Standards – EMV Tokens and 3DSV2

HCE (host card emulation) EMV tokenisation technology components generate network as well as mobile device tokens. There is no need for a “secure element” in mobile devices to store EMV tokens used for safe and secure NFC contactless as well as QR and Bar Code enabled mobile payments.

As a Token Requestor and Issuer Token Service Provider (TR & I TSP) for our Clients, we help them link to Visa VTS, Mastercard MDES and NPCI RuPay card token services. Hence our TR TSP and I TSP applications comply with EMV tokenisation standards. We can provide VTS/MDES/RuPay connected as well as proprietary cards in-house tokenisation services.

HCE SWIM platforms integrate tokenisation with 3D Secure Version 2 (3DSV2) Secure Remote Commerce payment protocols.  Strong Customer Authentication (SCA) is achieved via OTP (one time passwords via SMS or email) as well as Out-Of-Bound (OOB) dual/triple factor SWIM digital identities.

In-store, Online and In-App Mobile Payments

HCE SWIM TSP platform enables merchants integrated with payment gateways to perform NFC, web and In-App mobile payments.

UPI Peer-to-Peer Bank Payments

Our TSP platform also provide Indian UPI standards based peer-to-peer and peer-to-merchant bank account payments.

Ecash Blockchains

We can support for our Clients crypto-currencies (such as Bitcoin and other proprietary Ecash Accounts) with integration to public and private blockchains.


HCE SWIM Mobile Payments Product Family

Experience our mobile payments platform enabling EMV tokenised mobile payments…

We securely process sensitive payment cardholder data within our PCI DSS (Payment Card Industry Data Security Standard) data centres located globally.

Standards based Foundation

  • Strong Customer Authentication (SCA) via 2-Factor Authentication ( 2FA),
  • “SWIM” (Software Wireless Identity Module) PKI digital identities,
  • HCE (Host Card Emulation) EMV Tokenisation,
  • 3DSV2 – 3-Domain Secure Version 2 secure remote commerce payments,
  • UPI (Unified Payment Interface) bank account payments,
  • Bitcoin (and other Digital Currencies) on Blockchains



For all your Secure Remote and Physical Commerce needs….

  • HCE EMV Tokenisation for provisioning digital cards accounts
  • 3D Secure Version 2 payment protocol for SRC (Secure Remote Commerce)
  • SCA (Strong Customer Authentication) using SWIM digital identities for 2FA
  • Bitcoin, Ecash and Loyalty Blockchains mobile transactions

Check out capabilities of our HCEWALLET mobile payment app SDK on www.hcewallet.com.

Contact us today on sales@hceservice.com!


HCESERVICE provides PKI secured tokenization and mobile payments services supporting Card Schemes such as Visa,  MasterCard and RuPay based on Host Card Emulation (HCE) and 3D Secure Version 2 (3DSV2) standards.


Loyalty Incentives to drive HCEWALLET Mobile App in India launch soon!

HCEWALLET our client is soon launching digital card accounts based loyalty voucher programme within India for consumers to safely purchase e-commerce online and retail vouchers from Brands such as Flipkart.com, Amazon.in, Shoppersstop.com,  Lifestylestores.com, Central Mall, Baskin Robbins, Arrow, Mega Mart, and many more. Indian consumers will be able to download HCEWALLET Apps from Google Play …