Fraud on Host Card Emulation Architecture: Is it possible to fraud a payment transaction realized by a mobile phone using an 'Host Card Emulation' system of security?

摘要

Mobile payment transactions with a NFC device are secured by two main architectures. The first is in using a "Secure Element" included in the mobile phone, the second using an external "Host Card Emulation" architecture where the banking card emulation is realized in a grid connected by the air to the mobile phone. That last solution seems to be the preferred solution today. Is it possible to fraud this type of transaction?