Concept definition 

Card issuers can enable their cardholders to pay in-store by tapping their phone at NFC-enabled point-of-sale (POS) terminals using their mobile banking app. By combining digital cards with consumer device cardholder verification methods, contactless payments can be performed without transaction limits.

The IDEMIA Tap & Pay service enables digitization of payment cards on Android mobile app allowing consumers to pay in stores, by tapping their mobile devices on POS terminals (based on Host Card Emulation technology).