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'Host Card Emulation' Vs 'Secure Element': Which Is More Secure?

Apple chose the embedded Secure Element to safeguard the security of people's credit card numbers, while Google and Microsoft seem to be focused on using Host Card Emulation. The question is, which option is more secure?

'Host Card Emulation' Vs 'Secure Element': Which Is More Secure? : Read more
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  1. While Secure Element does hide the user and provide privacy this is a double-edged sword since that same privacy allows ANY credit card, stolen or cloned, to be used with no trace. Thus criminals no longer need to clone the physical card onto another card, they just need to store the stolen details in a device using a Secure Element.

    With HCE there is likely to be some traceability, at the expense of privacy.
  2. Quote:
    While Secure Element does hide the user and provide privacy this is a double-edged sword since that same privacy allows ANY credit card, stolen or cloned, to be used with no trace. Thus criminals no longer need to clone the physical card onto another card, they just need to store the stolen details in a device using a Secure Element.

    With HCE there is likely to be some traceability, at the expense of privacy.


    Not true. If a criminal has your credit card data AND enough personal information to get through the screening/activation, then they can add a stolen card to either system just as easily.

    Secure element/tokens don't make the transactions 100% anonymous (or leave "no trace" as you implied). They're only anonymous to the merchants. The bank will have a detailed record of activity exactly as if the person used an actual card.
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