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SINGLE TAP TRANSACTIONS USING A MOBILE APPLICATION WITH AUTHENTICATION

  • US 20140330626A1
  • Filed: 04/22/2014
  • Published: 11/06/2014
  • Est. Priority Date: 08/25/2006
  • Status: Abandoned Application
First Claim
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1. A method comprising:

  • conducting a data exchange between a mobile application running on a mobile device and a management server, wherein the mobile device comprises a mobile device processor, a mobile device memory, and a mobile device transceiver, and wherein a secure element is coupled to the mobile device.receiving authorization for a user associated with the mobile application running on the mobile device to conduct a near field communication (NFC) contactless transaction with an NFC terminal, wherein authorization is received after the data exchange between the mobile application and the management server and before the NFC contactless transaction;

    execution of the mobile application using the mobile device processor wherein execution of the mobile application permits a user of the mobile device to conduct a near field communication (NFC) transaction with an NFC terminal, wherein initiating execution of a near field communication application operating at an application layer by a secure element processor in response to a near field communication interaction triggered from the NFC terminal to the secure element without communication with the mobile device, the near field communication application stored in a secure element memory of the secure element;

    automatically applying the coupon during processing of the near field communication transaction and sending transaction data including payment credentials corresponding to a default payment mechanism in association with execution of the near field communication application from the secure element to the NFC terminal without prior authentication.

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