The potential of NFC payments is increased with the arrival of Android 4.4 KitKat system. Visa and MasterCard have shown interest in new opportunities with NFC payments. Using the new feature, which makes Android 4.4 KitKat have huge NFC advantage, called “Host Card Emulation” (HCE), Visa and MasterCard have announced that they will bring more applications for NFC payment method , while the very infrastructure of payment is placed in the cloud. This allows the security of the card to be not based on the level of the phone. The check of the validity takes place “outside of the phone”, which opens the possibility for many more applications. Visa plans to expand the “Visa Ready Program”, in order every application to be admitted easily with payment by HCE to Android 4.4 KitKat devices. Visa Ready provides the tools, standards, and services that enable applications to work successfully with the Visa payment network . MasterCard will also offer insurance system based on the cloud as software on the phone and the devices themselves to be varied. More details MasterCard will introduce later this year.