Patent ID: 9015063
Filing Date: 2015-04-21
Classification: G06Q,H04B,H04L,H04W

Abstract:
1. A method for conducting a near field communication contactless payment transaction, the method comprising: conducting a data exchange between a mobile application running on a mobile device and a management server; receiving authorization for a user associated with the mobile application running on the mobile device to conduct a near field communication (NFC) contactless payment transaction with an NFC terminal, wherein authorization is received after the data exchange between the mobile application and the management server; wherein the mobile device is coupled to a secure element, the secure element operable to maintain a secure element application in secure element memory and includes a plurality of secure element communications transceiver and wherein each of the communications transceivers support a respective communications protocol and wherein one of the plurality of secure element communications transceiver is configured for NFC, wherein the initiation of the secure element application is executed by using the processor of the secure element that is activated by a NFC interaction between the secure element and a NFC terminal without communication with the mobile device during the NFC contactless payment transaction, wherein the secure element sends transaction data including payment credentials to the NFC terminal using a transceiver configured for NFC without prior authentication and subsequently transmits the transaction data to the management server for processing, the transaction data sent to the NFC terminal as a result of the execution of the secure element application on the processor of the secure element in response to a NFC interaction between the secure element and the NFC terminal.