There is a reason why Google has moved away from the “Secure Element” and replaced with it with “Host Card Emulation” a year ago.
“Secure Elements” work by setting up an encryption method between the NFC radio and the OS. This is a one-time key that is destroyed whenever the phone is factory reset. Once destroyed, it essentially hard bricks the “Secure Element”. To avoid this, users will need to go into Apple’s wallet and clear the Secure Element from within the application prior to a factory reset.
This problem was huge when it debuted with the Samsung Galaxy Nexus, HTC EVO 4G LTE and 2012 Nexus 7. Note, all of these phones are VERY OLD and Apple is just starting to play catch up. 
Apple has a problem on their hand and they don’t even realize it. Per Apple, they are using NFC with a “Secure Element” to power the new Apple Payment System.There is a reason why Google has moved away from the “Secure Element” and replaced with it with “Host Card Emulation” a year ago.”Secure Elements” work by setting up an encryption method between the NFC radio and the OS. This is a one-time key that is destroyed whenever the phone is factory reset. Once destroyed, it essentially hard bricks the “Secure Element”. To avoid this, users will need to go into Apple’s wallet and clear the Secure Element from within the application prior to a factory reset.This problem was huge when it debuted with the Samsung Galaxy Nexus, HTC EVO 4G LTE and 2012 Nexus 7. Note, all of these phones are VERY OLD and Apple is just starting to play catch up.
Shared with: Public, Keith I Myers, I, Abraham Ayala, Kenneth Govens, May Cier, Adam Mckeithan, T-Mobile, Droid Life, Verizon, dre g, Zohrab Getikian, Antonio Jiles, AT&T, Don Dudas, Anton Mochalin, Joe Del Vecchio+1’d by: Percy Ramos, Jay L, João Santos, Monica De Leon, Adrian Ardeleanu, Tony Bunegin, Andrew Bellflower, Udita Aggarwal, Akshdeep Rungta, jamal lashley, SONNIE BADU, Alexander Soriano, Ritvik Singh, Alpina Swiss, Jeremy Dickinson, Chad Bursiek, Dallas Lunceford, Chase Weadock, Joseph Dellasandro, Joseph Gordon, Adam Jones, Ankit Pati, Lasse Sørnes, Ptah Baphomet, Ian Tester, Tùng NTB, Lenin Vera, Nикита Кабаков, Sam Nicarry, Simon Lennon, Heriberto Padilla, ABHISHEK SHETH, Chris Tanti, Andrew Betances, Gaurav Chotalia, Philip Wingfield, Arriz Tassri, Konstantine Kharms, Nabil Jaser, Phillip Leman, Adrian Greig, Moni Bano, Brandon King, Bradley Gibby, Christopher Gates, Halry Smith, Jeremy Baugh, Josh Lopez, Анжел Божинов, Victor CreedReshared by: Sixx Summons, MOHAMMED ALMUKAYNIZI, Pablo Arista, Terry Hutchinson, Keith I Myers, Jay L, brendon thomas, Glenn Anderson, Joseph Dellasandro, Saeryn Wilcoxen, Kimberly Ann Graham, Tùng NTB, jeckziel cortes, RAJU SARAM, Andrew Betances, Brandon King, Christopher Gates, Jeremy Baugh, Meena Sundharavradhan, Michael Kendle, Eric Richardson, Derin Richardson, Alexander Garcia, Aaron Frost, Taraka Anil Sabbineni, Martin Chung, ubuntunerd, Yousef Alhajeri, Jimmy Johnson, Abdul Hamid, Joe Cruz, Manuel Rodriguez, James Johnson, george oloo, Greg Ryals, Raul Aguileta, AJ Bazookavich, Rick Maresch, Rob McCallum, Dan Hymer, José Gasteazoro, Michael SmithJoe Del Vecchio – 2014-09-09 15:00:44-0400factory reset? you’re talking way over a typical iPhone users head now. 😉 Akash Chintamani – 2014-09-09 15:19:43-0400HahahahahSimon Sickle – 2014-09-09 16:48:19-0400Backs up iPhone, restores after jailbreak goes bad… “apple, why my card replacer thingy no workie anymore…” Antonio Jiles – 2014-09-09 17:46:21-0400There are some companies that do not allow users to use google wallet. Take +T-Mobile, +Verizon Wireless and +AT&T for example. Isis sucks so they need stop with the nonsense and give us google wallet.Dana Foote – 2014-09-09 17:56:44-0400 – Updated: 2014-09-09 17:57:05-0400+Antonio Jiles I use Google Wallet for mobile payments daily on +T-Mobile …They allow it.William Lopez – 2014-09-09 18:01:58-0400+Antonio Jiles you need an update just like Apple. I use Google Wallet on my T-Mobile LG G3 almost every day. Antonio Jiles – 2014-09-09 18:58:42-0400I just downloaded this. Previously; to get google wallet on gs3 on tmobile, you had to flash it and jump through hoops to make it work. Deleting protocols in terminal emulator. I had it 2 years ago when you could not have it. I moved on. There arent many businesses that standardize this payment enough to make it worth it for me to go through the trouble. I dont need an update. I dont follow mobile payments so I can care less but when I wanted to the option was not there. It has always been an icon on both my nexus 7 tablets but thats about it. Never used it again beyond 2 years ago. Also isis is now softcard.Brock Costley – 2014-09-09 20:30:11-0400+Droid Life Rob Bradley – 2014-09-09 20:45:28-0400Antonio, I use it all the time on my Verizon Moto X. Research before judging, please. Abraham Ayala – 2014-09-09 20:52:06-0400So +Verizon Wireless is going to tell apple to F-off? Just like they did with google? Don Dudas – 2014-09-09 20:57:20-0400+Antonio Jiles as long as your running 4.4 and above, there is no way for the carriers to block it.Don Dudas – 2014-09-09 20:58:30-0400+Abraham Ayala yeah right. They will give apple whatever they want. Apple holds the trump card in that respect. Don’t play, they won’t let you sell their phones.Antonio Jiles – 2014-09-09 21:21:59-0400That message I relayed was for when att, verizon, and tmobile were all about isis wallet which is now softcard. Sprint was the only company pushing google wallet in the usa. Moto x was just a thought in 2012 and so was the g3. I am on 4.3, so google wallet seems to work at least on that version, and im with tmo. Previously it was incompatible with my phone. Why would a company dump money into a payment system to allow you to use its competitors?
http://techcrunch.com/2013/11/14/isis-the-mobile-payments-initiative-from-att-verizon-t-mobile-launches-across-the-u-s/Adam Mckeithan – 2014-09-09 21:23:01-0400You are forgetting something. You rarely need to do a factory reset on a iPhone. Don Dudas – 2014-09-09 22:50:32-0400+M Rosales I’ve used it on my MotoX with 4.4.2 no problem…Kenneth Govens – 2014-09-09 22:52:10-0400+Adam Mckeithan you do it every time they send out a ios update… Which is about monthly..Joe Del Vecchio – 2014-09-09 22:53:23-0400+Adam Mckeithan , really? I have family members that upgrade theirs regularly and they do a factory reset every time they sell the old one. Dana Foote – 2014-09-09 22:57:54-0400+Antonio Jiles round about way of admitting you’re wrong 😉Antonio Jiles – 2014-09-09 23:00:12-0400No not really admitting anything. Did you bother to read the article? I guess for some it works. Others…..well…..Adam Mckeithan – 2014-09-09 23:10:57-0400+Joe Del Vecchio yes factory reset to sell
+Kenneth Govens no it’s doesn’t do a factory reset when you update. dre g – 2014-09-09 23:13:45-0400I thought Apple’s implementation was also HCE. The secure element is virtual, or a driver. I don’t know if there is separate hardware so they are relying on object code that is clearly loaded in memory Keith I Myers – 2014-09-09 23:14:37-0400+dre g – Based on what I am seeing, that does not seem to be the casedre g – 2014-09-09 23:17:03-0400+Keith I Myers http://developer.apple.com/apple-pay/dre g – 2014-09-09 23:24:58-0400http://devifi.com or http://go-trust.com any good?Dana Foote – 2014-09-09 23:32:22-0400+Antonio Jiles why would I read a year old article of bad info?Antonio Jiles – 2014-09-09 23:39:31-0400That’s not bad info. unless you have something worth adding to why Google works for some and not all? if you read it, then you would know that service providers are trying to block Google by offering Isis wallet, and providing a more secure way to use their services on their network. in the end of the day, they just want to protect users on their network which Google Wallet can’t do. Isis Wallet; which has now broken up to their own names, T-mobile’s Softcard and Verizon and ATT versions of the Isis Wallet to provide to their customers a service more secure than google wallet on their respective networks. now I don’t feel bad about not using Google wallet anymore. good luck to all those that do.Dana Foote – 2014-09-09 23:42:14-0400+Antonio Jiles but they aren’t… Only Verizon is. May Cier – 2014-09-09 23:47:29-0400Apple has been late with everything for the past few years. They don’t even have i7 cores in their computers yet.Antonio Jiles – 2014-09-09 23:48:44-0400Only verizon is doing what?Don Felipe – 2014-09-09 23:54:35-0400God Bless G+ and arm chair NFC specialists. Only they, in one measley paragraph, could they know that what a billion dollar tech company and billions spent in research in the industry doesn’t know… Amazing… Craig Sotelo – 2014-09-09 23:56:38-0400 – Updated: 2014-09-09 23:57:16-0400So my question is this will T-Mobile, and Verizon not allow Apple to use their network using nfc with secure element like Google and force isis or are they all going to finally allow it with the threat of possibly loosing customers to att who will allow it Michael Evans – 2014-09-10 00:02:23-0400Er…why can’t triggering a factory reset clear the secure element as part of the factory reset process?Kevin Timmons – 2014-09-10 00:06:38-0400+May Cier wtf are you smoking? No i7 in their computers? You can get many macs in the i7 configuration. I – 2014-09-10 00:07:20-0400I don’t think apple would be so naive Dana Foote – 2014-09-10 00:17:47-0400Ugh. Done.Phillip Leman – 2014-09-10 03:01:41-0400+Antonio Jiles Google wallet is accepted at many places in America. Not sure where your at and its amazing.MD REZAUL KARIM Live TV – 2014-09-10 03:03:39-0400HalloAnton Mochalin – 2014-09-10 08:07:58-0400+Fernando Maldonado are you completely, absolutely sure that it’s not you projecting your own butthurt to G+ users? I’ve talked to a friend today who is an Apple fan (though not fanboy) and he had balls to describe iPhone 6 in terms like “bullshit”. He owns an iPhone, a MacBook Pro and has developed at least one app for iOS. Antonio Jiles – 2014-09-10 08:56:00-0400If they want to standardize mobile payments, then they need to add this option to every store everywhere. They still have not. That’s why they are in the same situation now as they were in 2012. They want to eliminate the credit card, but how can that be when every store does not use mobile payment?Mark Strus – 2014-09-10 09:07:32-0400So what you’re telling me is not to buy a used iPhone 6. Paul Brocklehurst – 2014-09-10 10:34:19-0400Wait, I’ve factory reset my 2012 n7 a couple of times without even thinking about secure element. Is the NFC functionality on it dead now?Zohrab Getikian – 2014-09-10 13:18:26-0400+Antonio Jiles I am on t-mobile and use nothing but Google wallet. What are you taking about? Raymond Wilson – 2014-09-10 13:47:38-0400Ever used itunes then this isn’t a mistake they want you to go threw all this shit.Antonio Jiles – 2014-09-10 14:31:58-0400+Zohrab Getikian thats good for you. I gave an explanation and an article about them trying to block google wallet. Jay L – 2014-09-10 21:23:01-0400Borked the secure element messing around on my Galaxy Nexus. Samsung couldn’t fix without replacing the entire board, which they wouldn’t do. Great point.Keith I Myers – 2014-12-31 18:30:17-0500Just an update to all who doubted me – I WAS RIGHT https://plus.google.com/111318370678852884742/posts/arWzu1q79rB