Nfc transactions using a secure element removably embedded into a slot of 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 making transactions between a mobile communication device and a point-of-sale terminal, the method comprising:
 maintaining a payment application and payment credentials in a memory included in a secure element, the secure element configured for removable placement within a slot of the mobile communication device, wherein the mobile communication device is configured to use a first communication channel;   executing the payment application on a processor of the secure element configured for bi-directional near field communication, wherein execution of the payment application facilitates transfer of payment credentials with the point-of-sale terminal in response to a near field communication trigger by the point-of-sale terminal; and   transmitting payment credentials to the point-of-sale terminal by using a wireless transceiver of the secure element capable of bi-directional near field communication, wherein the payment credentials are transmitted through a second communication channel to the point-of-sale terminal, the second communication channel being different from the first communication channel.   
     
     
         2 . The method of  claim 1 , wherein the slot is a memory card slot. 
     
     
         3 . The method of  claim 1 , further comprising directly transmitting transaction data from the mobile communication device to another mobile communication device. 
     
     
         4 . The method of  claim 1 , wherein the first communication channel implements a Global System for Mobile (GSM) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol. 
     
     
         5 . The method of  claim 1 , wherein the first communication channel implements a Code Division Multiple Access (CDMA) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol. 
     
     
         6 . The method of  claim 1 , wherein the second communication channel implements a Bluetooth communication protocol. 
     
     
         7 . The method of  claim 1 , wherein the second communication channel implements a Radio Frequency Identification (RFID) communication protocol. 
     
     
         8 . The method of  claim 1 , wherein the transaction data includes an identifier that uniquely identifies a user of the mobile communication device. 
     
     
         9 . The method of  claim 1 , wherein the execution of the payment application is related to ticketing, content, purchase of a service, or management of payment. 
     
     
         10 . The method of  claim 1 , wherein a payment application allows for processing of a ticket transaction and the transaction data comprises a ticket corresponding to the ticket transaction. 
     
     
         11 . The method of  claim 1 , wherein a payment application allows for processing of a transaction involving a coupon. 
     
     
         12 . A secure element for making transactions between a mobile communication device and a point-of-sale terminal, the secure element comprising:
 memory configured to maintain a payment application and payment credentials, wherein memory is embedded in the secure element, the secure element configured for removable placement within a slot of the mobile communication device configured to use a first communication channel;   a processor configured to execute the payment application, the processor configured to use bi-directional near field communication, wherein execution of the payment application facilitates transfer of payment credentials to the point-of-sale terminal in response to a near field communication trigger by the point-of-sale terminal; and   a wireless transceiver configured to transmit payment credentials to the point-of-sale terminal, the wireless transceiver capable of bi-directional near field communication, wherein payment credentials are transmitted through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel through which the mobile communication device communicates data.   
     
     
         13 . The secure element of  claim 12 , wherein the slot is a memory card slot. 
     
     
         14 . The secure element of  claim 12 , wherein transaction data is transmitted from the mobile communication device to another mobile communication device. 
     
     
         15 . The secure element of  claim 12 , wherein the first communication channel implements a Global System for Mobile (GSM) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol. 
     
     
         16 . The secure element of  claim 12 , wherein the first communication channel implements a Code Division Multiple Access (CDMA) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol. 
     
     
         17 . The secure element of  claim 12 , wherein the second communication channel implements a Bluetooth communication protocol. 
     
     
         18 . The secure element of  claim 12 , wherein the second communication channel implements a Radio Frequency Identification (RFID) communication protocol. 
     
     
         19 . The secure element of  claim 12 , wherein the transaction data includes an identifier that uniquely identifies a user of the mobile communication device. 
     
     
         20 . The secure element of  claim 12 , wherein the execution of the payment application is related to ticketing, content, purchase of a service, or management of payment.