Patent ID: 8275312

Claim:
A method for conducting a near field communication transaction between a mobile communication device and a remote point-of-sale terminal, the method comprising: executing a payment application on a processor of a secure element that is physically attached to the exterior of but not physically coupled to the electrical interior components of the mobile communication device, the secure element: storing, in a memory of the secure element, the payment application and payment credentials, the execution of the payment application facilitating the transfer of the payment credentials with the point-of-sale terminal, executing, using a smart chip capable of near field communication, the payment application stored in the memory, and wherein the payment application is executed in response to a near field communication trigger by the point-of-sale terminal; sending, by a wireless transceiver, transaction data including the payment credentials associated with the executed payment application through a second communication channel to the point-of-sale terminal, the second communication channel being different from a first communication channel through which the mobile communication device communicates voice data; providing a lining permanently embedded inside an outer shell which protects the components of the secure element; wherein the lining is composed of RF absorbent material to shield the secure element from interference generated by the interior components of the mobile communication device and has a size and thickness to shield the secure element from interference generated by the mobile communication device to which the secure element is attached, but does not prevent the transmission of payment credentials to the point-of-sale terminal, wherein the outer shell has a maximum width of 25 mm and a maximum thickness of 5 mm; wirelessly transmitting transaction data associated with the executed payment application through the second communication channel to the point-of-sale terminal using the wireless transceiver; receiving manual user authentication at the point-of-sale terminal based on a determination by the point-of-sale terminal that authentication is required and prompts the user; performing authentication by a remote server after the payment application has been triggered by the point-of-sale terminal and after payment credentials have been transferred to the point-of-sale terminal but prior to the payment being processed and completed; and wherein the execution of the payment application and the sending of the transaction data occurs without further user interaction with the mobile communication device.