Patent ID: 8918855

Claim:
A mobile communications device comprising: a secure element memory; a near field communication (NFC) device; a wireless transceiver; and a controller coupled with the secure element memory, the NFC device, and the wireless transceiver, the controller being configured to receive payment account authentication data from a payment card via NFC communication with the payment card using the NFC device, the payment account authentication data being associated with a payment account, and the payment card being configured to communicate with at least one point of sale (POS) terminal via NFC communication to perform a payment transaction based upon the payment account, transmit the payment account authentication data via the wireless transceiver, receive provisioning data via the wireless transceiver responsive to the payment account authentication data transmitted via the wireless transceiver to provision the secure element memory for performing an NFC payment transaction with the at least one POS terminal using the same payment account associated with the payment card, and perform the NFC payment transaction with the at least one POS terminal using the provisioned secure element and the NFC device and without using the payment card.