NFC TRANSACTIONS USING A USER ID EMBEDDED WITHIN SECURE ELEMENT FOR PROCESSING AT REMOTE SERVER
First Claim
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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.
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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.
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Citations
24 Claims
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1. A secure element comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method comprising:
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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. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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Specification