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The partnership was first announced on November 16, 2010; following a trial period in 2012, the service officially launched nationwide on November 14, 2013. The official Softcard app was available for NFC-compatible smartphones using the Android operating system and later on Windows Phone 8.1.
vCard, also known as VCF (Virtual Contact File), is a file format standard for electronic business cards. vCards can be attached to e-mail messages, sent via Multimedia Messaging Service (MMS), on the World Wide Web, instant messaging, NFC or through QR code.
Products. iOS, Android. TouchNote is a mobile app for smartphones, tablets and website for sending printed, personalized postcards, greeting cards, other photo products as well as gifts. TouchNote was notably [citation needed] one of the first subscription card sending services.
Business model. Cash App is free to download for Android devices from Google Play, for iOS devices from the Apple App Store, and other mobile store platforms. Because the app is initially free, it incentivizes more users to create an account and use its services.
Transactions on the card are processed through the MasterCard network and can be made using EMV (chip), magnetic stripe or contactless payment. The Curve app works for iOS and Android. In July 2017, Curve rolled out a feature on the app allowing users to retroactively change their selected payment card for a transaction as old as 14 days.
Host card emulation enables near field communication (NFC) information transfer between a terminal configured to exchange NFC radio information with an NFC card and a mobile device application configured to act or pretend to emulate the functional responses of an NFC card.
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