Nfc transactions using payment credentals stored at a remote server

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 secure element comprising:
 a secure element memory configured to maintain a near field communication (NFC) application and transaction data;   a secure element processor configured to execute the NFC application in response to an NFC induction based trigger from an NFC terminal;   a secure element NFC transceiver configured to transmit transaction data including an identification code associated with the user to the NFC terminal, wherein the transaction data is transmitted upon execution of the NFC application, wherein the secure element NFC transceiver is further configured to receive response information from the NFC terminal, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver;   wherein the secure element NFC transceiver is further configured to receive payment credentials associated with the identification code from a remote server.   
     
     
         2 . The secure element of  claim 1 , wherein the payment credentials are used by the NFC application. 
     
     
         3 . The secure element of  claim 2 , wherein the NFC application is a payment application. 
     
     
         4 . The secure element of  claim 1 , wherein the NFC terminal is a point-of-sale (POS) terminal connected to a remote server. 
     
     
         5 . The secure element of  claim 1 , wherein the secure element is physically coupled to but electrically decoupled from electrical components of the mobile device. 
     
     
         6 . The secure element of  claim 1 , wherein the secure element is an NFC sticker affixed to the mobile device 
     
     
         7 . The secure element of  claim 1 , wherein the secure element is removably inserted into a slot associated with the mobile device. 
     
     
         8 . The secure element of  claim 1 , wherein the NFC terminal is a mobile device coupled with a secure element and further wherein the secure element is configured for near field communications. 
     
     
         9 . The secure element of  claim 1 , wherein the NFC terminal is a secure element and further wherein the secure element includes a chip configured for unidirectional near field communication. 
     
     
         10 . A method comprising:
 maintaining a near field communication (NFC) application in a secure element memory;   executing the NFC application in response to an NFC induction based trigger from an NFC terminal, wherein the NFC application is executed by using a secure element processor;   transmitting transaction data including an identification code associated with the user to the NFC terminal by using a secure element transceiver, wherein the transaction data is transmitted upon execution of the NFC application, wherein the secure element NFC transceiver is further configured to receive response information from the NFC terminal, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver;   wherein the secure element NFC transceiver is further configured to receive payment credentials associated with the identification code from a remote server.   
     
     
         11 . The method of  claim 10 , wherein the payment credentials are used by the NFC application. 
     
     
         12 . The method of  claim 11 , wherein the NFC application is a payment application. 
     
     
         13 . The method of  claim 10 , wherein the NFC terminal is a point-of-sale (POS) terminal connected to a remote server. 
     
     
         14 . The method of  claim 10 , wherein the secure element is physically coupled to but electrically decoupled from electrical components of the mobile device. 
     
     
         15 . The method of  claim 10 , wherein the secure element is an NFC sticker affixed to the mobile device 
     
     
         16 . The method of  claim 10 , wherein the secure element is removably inserted into a slot associated with the mobile device. 
     
     
         17 . The method of  claim 10 , wherein the NFC terminal is a mobile device coupled with a secure element and further wherein the secure element is configured for near field communications. 
     
     
         18 . The method of  claim 10 , wherein the NFC terminal is a secure element and further wherein the secure element includes a chip configured for unidirectional near field communication. 
     
     
         19 . A system comprising:
 means for maintaining a near field communication (NFC) application in a secure element memory;   means for executing the NFC application in response to an NFC induction based trigger from an NFC terminal, wherein the NFC application is executed by using a secure element processor;   means for transmitting transaction data including an identification code associated with the user to the NFC terminal by using a secure element transceiver, wherein the transaction data is transmitted upon execution of the NFC application, wherein the secure element NFC transceiver is further configured to receive response information from the NFC terminal, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver;   wherein the secure element NFC transceiver is further configured to receive payment credentials associated with the identification code from a remote server.   
     
     
         20 . The system of  claim 19 , wherein the payment credentials are used by the NFC application.