Patent ID: 8712407

Claim:
A system on a mobile phone for selecting between a plurality of secure elements concurrently present on the mobile phone, wherein the selected secure element is used for wireless payment, comprising: a first virtual processor; an application stored in the first virtual processor; a second virtual processor comprising a secure partition; a trusted security zone located in the secure partition of the second virtual processor, wherein the trusted security zone runs a separate operating system that is not accessible to the mobile device users; a near field communication transceiver; the plurality of secure elements; and a switching application stored in the trusted security zone, wherein the switching application controls one or more hardware switches coupling the near field communication transceiver to one or more respective secure elements, wherein the switching application automatically selects which of the one or more respective secure elements to couple to the near field communication transceiver based on pre-defined selection rules comprising one of location and last account accessed, and wherein the selection is made prior to a wireless link being established between the near field communication transceiver and an external near field communication device.