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SINGLE TAP TRANSACTIONS USING A MOBILE APPLICATION

  • US 20130080231A1
  • Filed: 11/19/2012
  • Published: 03/28/2013
  • Est. Priority Date: 08/25/2006
  • Status: Active Grant
First Claim
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1. A method comprising:

  • maintaining a mobile application in a mobile device memory included in a mobile device, the mobile device including a mobile device display, a mobile device radio transceiver, and a mobile device processor;

    executing the mobile application using the mobile device processor wherein execution permits a user of the mobile device to conduct a near field communication (NFC) transaction with a point-of-sale terminal, wherein a secure element application is executed by a secure element processor upon receiving a near field communication interaction to send transaction data including payment credentials corresponding to a default payment mechanism from the secure element to the point-of-sale terminal, the secure element coupled to the mobile device, and wherein a coupon is automatically applied during processing of a near field communication payment transaction.

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