Patent ID: 8799085

Claim:
A method comprising: generating a coupon configured for use in a near field communication transaction; transmitting the coupon for inclusion in a secure element, wherein the secure element maintains the coupon and a near field communication application in a secure element memory, and wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor that executes a mobile application, and a mobile device transceivers; initiating execution of the near field communication application, operating at an application layer above a physical layer, by a secure element processor of the secure element, in response to a near field communication interaction triggered from a point-of-sale terminal to the secure element, the execution occurring without communication with the mobile device; receiving the coupon at a management server from the point of sale terminal and processing a near field communication transaction using the coupon at the management server, wherein the coupon is transmitted from the secure element to the point of sale terminal without prior authentication as a result of the execution of the near field communication application.