Patent ID: 8630906

Claim:
A method comprising: triggering, by a point-of-sale terminal, execution of a secure element application operating at an application layer of a secure element in response to a near field communication initiated by the point-of-sale terminal without communication between the secure element and a mobile device, the execution of the secure element application by a secure element processor included in the secure element sends a coupon and payment credentials to the point-of-sale terminal without prior authentication; receiving, at the point-of-sale terminal comprising a point-of-sale terminal processor, the coupon and payment credentials corresponding to a default payment mechanism associated with the secure element, wherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor that executes a mobile application, and a mobile device transceiver; and sending, by the point-of-sale terminal, the coupon and payment credentials to a management server, wherein the management server processes a near field communication transaction using the payment credentials and the coupon.