Hi,

I know there have been posts on this before, but I'm wondering what the 
current state of play is with bank/credit card emulation? Particularly in 
Australia?

Here, the Commonwealth bank has Tap and Pay with Android, so you can use an 
Android phone in place of card for Paypass/Paywave at supporting POS 
terminals. Otherwise, Android Pay, Apple Pay are not really supported over 
here by the banks.

I presume there is still no way to implement this on an Android phone? 
Theres apps out there that can scan a card and read data, but I can't see 
that its possible to communicate with a POS terminal with the phone, I'm 
not seeing anything out there that even tries. All I can see is it requires 
being able to communicate with the Secure Element on the device, or else 
the host-based way involves having the right encryption keys that I guess 
only the banks have.

I'm wondering why its not possible to send whatever the card sends when you 
scan it - the raw scan data - to the POS? Surely when you read a card, 
thats what it sends, so why not just send that?

Thanks for any info.

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