Bell ID has announced the launch of Secure Element (SE) in the Cloud to simplify the provisioning of near-field-communication (NFC) based mobile services. According to the company, the solution manages keys, certificates and NFC credentials in a secure remote environment rather than in the mobile device, providing application issuers with the independence and control to manage their credentials without the need for third party involvement. Bell ID’s SE in the Cloud software provides the functionality to complete (EMV payment) transactions through a remote SE using a standard contactless terminal and acceptance infrastructure. When a consumer makes a transaction, their NFC credential is accessed from the remote cloud SE after which the appropriate command is generated and sent back through the mobile device to the point-of-sale terminal. The data is presented in the same format as that used in standard card-present transactions. The solution can also pre-authorise payments, allowing consumers to make transactions even when a connection to the server cannot be established, states the company.