Patent ID: 8290433

Claim:
A method for transmitting data between a mobile communication device and a management server, the method comprising: executing a mobile application at the mobile communication device, the mobile application hosted at the mobile communication device; exchanging data associated with the mobile application between the mobile communication device and the management server wherein transmission of the data between the mobile communication device and the server is monitored through the server and wherein the mobile application permits a user to conduct a contactless payment transaction, comprising of executing a payment application on a processor of a secure element that is coupled to the mobile communication device, the secure element including: a memory storing the payment application and payment credentials, the execution of the payment application facilitating the transfer of the payment credentials with the remote Point-Of-Sale terminal, the processor of the secure element, wherein the processor is configured for near field communication, and further wherein the processor executes the payment application stored in the memory; a wireless transceiver that sends transaction data including the payment credentials associated with the executed payment application through a second communication channel to the remote Point-Of Sale terminal, the second communication channel being different from a first communication channel through which the mobile communication device communicates voice data, the payment application executed in response to a near field communication induction-based trigger from the remote Point-Of-Sale terminal; wirelessly transmitting transaction data associated with the executed payment application through the second communication channel to the remote Point-Of-Sale terminal using the wireless transceiver; receiving manual user authentication at the remote Point-Of-Sale terminal if the remote Point-Of-Sale terminal determines authentication is required and prompts the user for authentication wherein authentication is performed by a remote server after the payment application has been triggered by the remote terminal and after payment credentials have been transferred to remote terminal, but prior to the payment being processed.