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IEEE/ICACT20260106 Slide.06        [Big Slide]	Oral Presentation
	Host Card Emulation (HCE): A software-based emulation of a payment card, with credentials stored in the mobile operating system environment. Secure Element (SE): A tamper-resistant hardware module embedded in the device (e.g., Apple¡¯s Secure Enclave) or on a Universal Integrated Circuit Card (UICC). Hybrid Architectures: Combining HCE flexibility with SE-protected storage for certain credentials

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