Conducting an nfc transaction with a mobile device

Abstract

A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

1 . A method for conducting a near field communication transaction using a hand-held mobile device, the method comprising:
 detecting a near field communication inductive trigger from a point-of-sale terminal when the hand-held mobile device is in close proximity to the point-of-sale terminal, the point-of-sale terminal configured for near field communications, wherein the near field communication inductive trigger is detected by a secure element coupled to the hand-held mobile device, the hand-held mobile device including a first processor, a first memory, and a first radio transceiver configured for near field communications;   executing a payment application stored in a second memory of the secure element, wherein the payment application is executed by a second processor included in the secure element in response to the near field communication inductive trigger.   
     
     
         2 . The method of  claim 1 , wherein the secure element is physically coupled to the hand-held mobile device but electrically decoupled from electrical interior components of the hand-held mobile device. 
     
     
         3 . The method of  claim 1 , wherein the secure element is physically coupled to the hand-held mobile device and wirelessly coupled to electrical interior components of the hand-held mobile device. 
     
     
         4 . The method of  claim 1 , wherein the secure element is included within the body of a memory card configured for placement in a memory card slot in the hand-held mobile device. 
     
     
         5 . The method of  claim 1 , wherein the secure element is embedded within the body of the mobile communication device. 
     
     
         6 . The method of  claim 1 , wherein the payment application is executable to permit a user to perform a ticketing transaction. 
     
     
         7 . The method of  claim 1 , wherein the payment application is executable to permit a user to perform an Internet commerce transaction. 
     
     
         8 . The method of  claim 1 , wherein the payment application is executable to permit a user to perform an Internet commerce transaction. 
     
     
         9 . The method of  claim 1 , wherein the payment application is executable to permit a user to perform a transaction involving storage of a digital artifact, provide payment information, or provide banking information. 
     
     
         10 . The method of  claim 1 , wherein the hand-held mobile device is configured to use a first communication channel. 
     
     
         11 . The method of  claim 10 , wherein the first communication channel implements a global system for mobile (gsm) communication protocol. 
     
     
         12 . The method of  claim 10 , wherein the first communication channel implements a code division multiple access (cdma) communication protocol. 
     
     
         13 . The method of  claim 1 , wherein the secure element is configured to use a second communication channel. 
     
     
         14 . The method of  claim 13 , wherein the second communication channel implements a near field communications (nfc) communication protocol. 
     
     
         15 . The method of  claim 13 , wherein the second communication channel implements a bluetooth communication protocol. 
     
     
         16 . A secure element for conducting a near field communication transaction, the secure element comprising:
 a near field communication detector configured to identify a near field communication inductive trigger from a point-of-sale terminal when a hand-held mobile device is in close proximity to the point-of-sale terminal, the point-of-sale terminal configured for near field communications, wherein the hand-held mobile device includes a first processor, a first memory, and a first radio transceiver configured for near field communications;   a processor configured to execute a payment application in response to the near field communication inductive trigger, wherein the secure element is coupled to a hand-held mobile device.   
     
     
         17 . The secure element of  claim 16 , wherein the secure element is physically coupled to the hand-held mobile device but electrically decoupled from electrical interior components of the hand-held mobile device. 
     
     
         18 . The secure element of  claim 16 , wherein the secure element is physically coupled to the hand-held mobile device and wirelessly coupled to electrical interior components of the hand-held mobile device. 
     
     
         19 . The secure element of  claim 16 , wherein the secure element is included within the body of a memory card configured for placement in a memory card slot in the hand-held mobile device. 
     
     
         20 . The secure element of  claim 16 , wherein the secure element is embedded within the body of the hand-held mobile device.