Patent ID: 8751314

Claim:
A method comprising: receiving, at a management server from a secure element by way of a point-of-sale terminal, a coupon and payment credentials corresponding to a default payment mechanism stored on the secure element, wherein receiving the coupon and payment credentials at the management server includes: initiating, by a secure element processor, execution of a near field communication application operating at an application layer of the secure element in response to a near field communication interaction triggered from a point-of-sale terminal to the secure element, wherein execution of the near field communication application automatically applies the coupon to a near field communication payment transaction and sends the coupon and payment credentials corresponding to a default payment mechanism stored on the secure element to the point-of-sale terminal, without prior authorization and communication between the secure element and a mobile device; and processing the near field communication payment transaction between the secure element and the point-of-sale terminal at the management server using the payment credentials and the coupon, 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.