Patent ID: 8751313

Claim:
A method comprising: maintaining a mobile application in a mobile device memory included in a mobile device, the mobile device including a mobile device display, a mobile device radio transceiver, and a mobile device processor, and wherein a secure element is coupled to the mobile device; executing the mobile application using the mobile device processor, wherein execution of the mobile application permits a user of the mobile device to conduct a near field communication (NFC) transaction with a point-of-sale terminal; initiating execution of a near field communication application operating at an application layer above a physical layer by a secure element processor in response to a near field communication interaction triggered from the point-of-sale terminal to the secure element without communication with the mobile device, the near field communication application stored in a secure element memory of the secure element; automatically applying a coupon during processing of the near field communication transaction and sending transaction data including payment credentials corresponding to a default payment mechanism in association with execution of the near field communication application from the secure element to the point-of-sale terminal without prior authentication.