Patent ID: 8694436

Claim:
A method comprising: maintaining a near field communication (NFC) application and transaction data in a secure element memory included in a secure element; initiating execution of the NFC application using a secure element processor without communication with the mobile device in response to an NFC induction based trigger from the NFC terminal to the secure element, wherein the NFC application operates at an application layer above the physical communication layer; transmitting transaction data using a secure element NFC transceiver to the NFC terminal without prior authentication, wherein the transaction data is transmitted to the NFC terminal upon execution of the NFC application and subsequently transmits it to a server for processing; receiving response information from the NFC terminal using the secure element NFC transceiver included in the secure element, wherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver; and transmitting response information to the mobile device transceiver, wherein the mobile device transceiver subsequently transmits response information to the remote server, wherein the secure element uses a radio transceiver included in the secure element to transmit data to the mobile device.