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Google Pay is an application for devices running Google's Android OS, which allows users to make purchases using NFC, which initially required a physical secure element but this was replaced by host card emulation which was introduced in Android 4.4 (Kit Kat).Softcard (formerly known as Isis mobile wallet), Cityzi and Quick Tap wallets for example, use a secure SIM card to store encrypted personal information.

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Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC, e.g.

Major financial entities now offering contactless payment systems include Master Card, Citibank, JPMorgan Chase, American Express, Key Bank, Barclays, Barclaycard, HSBC, Lloyds Banking Group, Freedom Pay, The Co-operative Bank, Nationwide Building Society and The Royal Bank of Scotland Group. The first contactless cards in the UK were issued by Barclaycard in 2007.

Visa pay Wave, American Express Expresspay, and Master Card Contactless are examples of contactless credit cards which have become widespread in the U. Telecom operators are starting to get involved in contactless payments via the use of near field communication phones.

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