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They will probably use HFC NFC and bypass the Sim card for sure, which makes perfect sense, since they added NFC functionality along with Virtual Target Immulation mode in 2011, but MNOs rejected that.  They have been working with Royal bank of Canada and MNOs to move payments forward, and their Blackberry Passport and Classic models are good, and I mean the Passport is really good, as well as Blackberry OS 10.   

I delivered a presentation during January 22, 2015 to Seattle Cloud Security Alliance where I mention Microsoft would use Azure Cloud services on Nokia handsets to provision mobile payments using HCE NFC.  Please see that video clip here:  https://www.youtube.com/watch?v=PChc-2VtICs   I predicted Google would buy Softcard and that Microsoft would deploy Azure Cloud Services and Nokia Handset with HCE NFC.  Microsoft has finally moved forward with mobile payments and I hope to work with them as they engage the Chinese markets.

Thanks,

Karl J. Weaver 

Mobile: 425-260-4378

Email: karljweaver@gmail.com

Web: www.newporttechnologies.biz

Softcard should consider selling to Apple,  not Google their payment network business.  Google doesn't do hardware effectively, can not run a hardware businss and has bad PR in China, where all these mobile handsets come from.  Google OS is about 70% of the whole World right now and most Softcard supported Smartphones use Android OS, which now uses HCE.  On the otherhand, Apple and Softcard still care about tamper resistance, which means the secure element.   SO, in my book, Google should cooperate with China UnionPay and OEMs.  Softcard should cooperate with Apple and they will completely lock any competitors out of the USA market.  BINGO!