Patent ID: 8706588

Claim:
A method for conducting a transaction between a near field communication (NFC) terminal and a target device, said method includes a provisioning of confidential information from a mobile device to the target device, said method comprising: wirelessly transmitting, by a mobile device having a cellular transceiver, an NFC transceiver, a memory element, an operating system, applications, and a display, a request for confidential information over a cellular network to a server, wherein the confidential information is associated with provisioning at least one of a credit card, a transit card, a transit token, an electronic coupon, a loyalty program access code, an access badge, and an access code; wirelessly receiving over the cellular network, by the mobile device, the confidential information from the server; provisioning, by the mobile device using NFC technology, the confidential information to a target device having an NFC transceiver and a memory element for storing the confidential information; presenting the target device to make payment for one of a purchase and a service; transmitting, by the target device, the confidential information to an NFC terminal to conduct a transaction using NFC technology, wherein the mobile device, the target device, and the NFC terminal are three separate devices and function independently of each other; verifying, by the NFC terminal through a back-end system to the server, the confidential information; when the confidential information is verified, completing, by the target device independent of the mobile device, the payment transaction with the NFC terminal using NFC technology; and when the confidential information is not verified, refusing the payment transaction.