Xiaomi’s current smartphones, which are powered by MIUI and HyperOS shells, are complex digital storage devices that require layered protection. Users often face a “security location” request, meaning both the physical location of the chip and the software authorization method for accessing Mi Account or banking applications.
In the context of the Xiaomi ecosystem, a security element can be understood as a module. SE (Secure Element, built into the motherboard, or software emulation through a chip NFC. The choice of a particular option depends on your device model, year of release and personal preferences regarding convenience and level of protection. SIM-map, others – biometrics or cloud keys.
In this article, we will discuss in detail where the security element is physically and softwarely located, what is the difference between the different types of tokens and what method you should choose for maximum cybersecurity. Understanding these nuances will allow you to correctly configure your smartphone and avoid blocking your account when changing your device.
Physical location of the protected chip in the device
In terms of the “iron” component, the security element in Xiaomi smartphones is most often a separate microchip or integrated part of the processor. In most modern models that support contactless payment Mi Pay or Google Pay, this chip is combined with the NFC module. It is located at the top of the motherboard, closer to the camera or speaker to provide a better signal when you bring the phone to the terminal.
In older or budget models, the chip itself can perform the security functions. SIM-In this case, the physical location of the security depends on which slot you have installed the SIM, usually a tray, retractable with a clip, located on the bottom or side of the case. It is through this contact that cryptographic keys are exchanged when authorizing in banking applications.
⚠️ Warning: Attempting to physically remove or replace the safety chip on the motherboard will cause permanent damage to the device and loss of warranty.
In such devices, the security element is soldered directly into the board during production and has no physical analogue in the form of a card. The location of such a “cell” is a program area of the processor that is protected from direct access. The choice between a physical SIM and eSIM affects how the verification process will occur: through reading the contact in the tray or through a digital certificate.
Software setting: where to look in the menu MIUI and HyperOS
For the average user, the security location is the path to the settings menu where the authentication method is selected. In current Xiaomi shells, this section is deeply integrated into the account protection system. To find it, you need to go to Settings → Passwords and Security → Security of the elements (or Secure Storage).
The interface may vary depending on the Android version and regional firmware (Global, China, EEA). In some cases, the item may be called "Security Element Position" or "Security Element Position." Here you will see a list of available options: SIM-map, HCE (Host Card Emulation or embedded chip: Activation of the desired item requires confirmation of superuser rights or administrator password.
If you use your smartphone to work with corporate data or government services, the path to settings may be hidden in the Workspace profile, in which case the security element is configured separately for personal and work perimeters, which creates an additional level of data isolation. Remember that changing this setting may require re-authorization in all associated banking applications.
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Before changing the security settings, take a screenshot of the current settings or write them down, which will help you quickly get things back to the way they were if you have problems accessing the applications.
Types of security elements: comparison and selection
Choosing the right security element is a balance between convenience and security. There are several basic options available in the Xiaomi ecosystem, each with its own technical features, and understanding the difference between them will help avoid situations where a bank application refuses to work due to an unsupported type of token.
Below is a comparative table of the main types of items available to choose from in Xiaomi smartphones:
| Type of element | Location. | Level of protection | Dependence |
|---|---|---|---|
| SIM-map | SIM card slot | High-pitched | Depends on the operator. |
| eSE (Embedded SE) | Built into the board | Maximum | It doesn't depend on the SIM. |
| HCE (Host) | Software (OS) | Medium. | Depends on the software. |
| Biometrics | Sensors/Camera | High-pitched | Depends on the user. |
SIM-The card remains a popular choice due to its versatility.However, if you frequently change SIM cards or use two numbers, there may be conflicts when choosing the default slot. The built-in eSE is considered the most reliable, as it is not retrievable and protected hardware, but is not available on all models of the budget segment.
Technology HCE It allows you to emulate a security card software using the processing power of the main processor. This is convenient, but less safe if there are root rights or viruses in the system. SIM-Bank card, if provided.
Instructions for switching the element in settings
The process of changing the active security element requires care, as an erroneous choice can temporarily block access to the security. NFC-Before starting the procedure, make sure that the device is on the module. NFC and the lock screen is installed (PIN-Without this, the system will not allow changes to critical security settings.
To perform the switch, follow the algorithm: first go to Connections and Sharing → NFC. Find Security Element or Security Element. If the menu is hidden, try quickly clicking on the MIUI version in the About Phone section several times to activate the engineering menu, although this is rarely required in global firmware.
☑️ Checklist before changing the element
After selecting a new element (e.g., switching from SIM1 to Built-in chip), the system may request a reboot. This is the normal behavior required to initialize cryptographic modules. If after rebooting NFC is no longer defined, return the settings to the original state or reset the network settings through the Settings menu → Connections → Reset Wi-Fi, mobile networks and Bluetooth.
⚠️ Note: When you switch the security element, all previously added cards to Mi Pay or Google Pay will be deleted for protection. SMS bank-appendix.
Compatibility problems with banking applications
A common problem in choosing a security element is the incorrect operation of banking applications. Some financial institutions (Sberbank, Tinkoff, Alfa-Bank) have strict requirements for the type of token. SIM-a card of a particular operator or categorically refuse to work with HCE, If you see signs of system modification.
If, after selecting a particular item, the bank app gives an error, "Device not secure" or "NFC not available", try forcefully stopping the application and clearing its cache. Go to Settings → Apps → All Apps → [Your Bank] → Memory → Clean. Then restart the program and try adding a card.
In rare cases, security certificates need to be updated. NFC Find the default payment option and make sure the correct application is selected (e.g. Google Pay or Mi Pay).If the problem persists, your carrier may not support Secure Element on this service. SIM-card, and it must be replaced in the communication salon with a newer one with support NFC.
What do you do if nothing helps?
The role of biometrics as an alternative element
In modern versions of HyperOS, biometric data (fingerprint, face scanner) often act not just as a way to unlock, but as a full-fledged element of trust. The fingerprint sensor, built into the screen or power button, has its own protected circuit (TEE - Trusted Execution Environment), which is isolated from the main operating system.
Using biometrics allows you not to depend on physical availability SIM-card or chip state NFC. However, for mission-critical operations, such as confirming large transfers, the system may still request an additional token, which creates two-factor protections: "something that you are" (finger) and "something that you have" (security chip).
It's important to understand that when you reset your phone to the factory settings, biometrics are permanently deleted. Until you reset your fingerprint, you can only access the protected features through the primary password or pattern lock, so remembering your Mi Account password is a must.
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Biometrics are convenient for daily use, but for complete independence from the use of the SIM-Maps and compatibility with all services are preferable to use the built-in eSE chip.