Patent ID: 9031611
Filing Date: 2015-05-12
Classification: G06Q,H04B,H04L,H04W

Abstract:
1. A secure element for conducting a transaction, the secure element comprising: a secure element memory configured to maintain a near field communication (NFC) application and transaction data; a secure element processor configured to execute the NFC application without communication with a mobile device processor, wherein “a” NFC terminal begins the transaction by initiating an NFC induction based trigger of the secure element processor, wherein the secure element processor is configured to initiate execution of the NFC application on the secure element processor in response to the NFC induction based trigger from the NFC terminal; a plurality of communications transceivers including an NFC communications transceiver configured to transmit transaction data to the NFC terminal after execution of the NFC application, wherein the NFC terminal transmits transaction data to a remote server for processing by the remote server after the transaction data are received at the NFC terminal but before completion of the transaction, wherein the secure element NFC transceiver is further configured to receive response information during the NFC transaction from the NFC terminal after transmitting transaction data to the NFC terminal and after processing by the remote server, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver; and a secure element radio transceiver configured to transmit response information from the secure element to the mobile device transceiver.