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Credit cards add more pay-by-phone options

– Visa and MasterCard are introducing Internet technologies to make it easier for shoppers to buy things at retail stores without pulling out a credit card.

The two technologies, announced separately in late February, will give merchants and banks more options for incorporating so-called contact-less payment systems into their mobile apps.

The customer uses the app to make purchases by tapping the phone to a store’s card reader.

The technologies tap a new feature in Google’s Android operating system. Before, card information had to be stored on a secured part of the phone. Now, it can be stored remotely instead. A retail or banking app on the phone then retrieves what’s needed to complete the transaction.

Visa said it will provide app developers with a complete service, with card information stored on Visa’s servers.

MasterCard said it will publish technical details by the end of June to help companies use the new Android feature, known as Host Card Emulation. MasterCard said it has been testing the technology with two major banks, Capital One in the U.S. and Banco Sabadell in Europe.

“The use of HCE provides a very attractive way forward to launch an increased number of NFC-based offerings,” James Anderson, MasterCard’s group head for emerging payments, said in a statement.

Visa and MasterCard are both targeting phones that have a wireless technology called near-field communication.

Many Android phones have that, and the remote storage capabilities come with the Kit Kat version of Android, which was released last fall. Apple’s iPhones lack NFC, but cases are available to enable that technology.

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