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A vendor hosts virtual secure elements holding cardholder information in their data center.

A vendor hosts virtual secure elements holding cardholder information in their data center. When a cardholder makes a purchase, the vendor creates a payment token which is sent to the cardholder’s mobile device. Which of the following best describes the vendor’s activities?

A.

Card personalization

B.

Host Card Emulation (HCE) provisioning

C.

Secure Element (SE) provisioning

D.

Over-the-air (OTA) provisioning

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