Nfc transactions using a user id embedded within secure element for processing at 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, the transaction data associated with an NFC transaction, 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 a remote server is configured to extract the identification code, authorize the NFC transaction, and execute transfer of the transaction data to the secure element from the remote server.   
     
     
         2 . The secure element of  claim 1 , wherein the transaction data includes payment credentials associated with a payment application. 
     
     
         3 . The secure element of  claim 1 , wherein the transaction data includes identity credentials associated with an identity application. 
     
     
         4 . The secure element of  claim 1 , wherein the transaction data includes a ticket associated with a ticketing application. 
     
     
         5 . The secure element of  claim 1 , wherein the transaction data includes a coupon associated with a coupon application. 
     
     
         6 . The secure element of  claim 1 , wherein the NFC terminal is a point-of-sale (POS) terminal connected to a remote server. 
     
     
         7 . The secure element of  claim 1 , wherein the NFC terminal is a point-of-entry (POE) terminal connected to a remote server. 
     
     
         8 . The secure element of  claim 1 , wherein the secure element is physically coupled to but electrically decoupled from electrical components of the mobile device. 
     
     
         9 . The secure element of  claim 1 , wherein the secure element is an NFC sticker affixed to the mobile device 
     
     
         10 . The secure element of  claim 1 , wherein the secure element is removably inserted into a slot associated with the mobile device. 
     
     
         11 . 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. 
     
     
         12 . 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. 
     
     
         13 . A method comprising:
 maintaining a near field communication (NFC) application and transaction data in a secure element memory included in a secure element;   executing the NFC application by using a secure element processor in response to an NFC induction based trigger from an NFC terminal;   transmitting transaction data by using a secure element NFC transceiver, wherein the transaction data is transmitted upon execution of the NFC application   receiving response information from the NFC terminal by using the secure element NFC transceiver included in the secure element, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver.   
     
     
         14 . The method of  claim 13 , wherein the transaction data includes payment credentials associated with a payment application. 
     
     
         15 . The method of  claim 13 , wherein the transaction data includes identity credentials associated with an identity application. 
     
     
         16 . The method of  claim 13 , wherein the transaction data includes a ticket associated with a ticketing application. 
     
     
         17 . The method of  claim 13 , wherein the transaction data includes a coupon associated with a coupon application. 
     
     
         18 . The method of  claim 13 , wherein the NFC terminal is a point-of-sale (POS) terminal connected to a remote server. 
     
     
         19 . The method of  claim 13 , wherein the NFC terminal is a point-of-entry (POE) terminal connected to a remote server. 
     
     
         20 . The method of  claim 13 , wherein the secure element is physically coupled to but electrically decoupled from electrical components of the mobile device. 
     
     
         21 . The method of  claim 13 , wherein the secure element is an NFC sticker affixed to the mobile device. 
     
     
         22 . The method of  claim 13 , wherein the secure element is removably inserted into a slot associated with the mobile device. 
     
     
         23 . The method of  claim 13 , 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. 
     
     
         24 . The method of  claim 13 , wherein the NFC terminal is a secure element and further wherein the secure element includes a chip configured for unidirectional near field communication.