The smart card purchase platform can be used in retail stores for loyalty cards on similar products. Seaory This will allow customers to purchase more than one item and accumulate points for future purchases. The smart card purchase platform records all transactions that occur, which allows them to provide detailed sales reports as well as sales forecasts. Mobile payment systems such as Apple Pay and Google Wallet need an NFC-capable phone with a secure element to work. Smart cards do not require NFC so they can be used on any phone. Smart cards can be used globally with few modifications, whereas NFC phones must conform to the local mobile network standards if they are to function internationally.