MOBILE PAYMENTS USING AN NFC STICKER WITHOUT AUTHENTICATION
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 method for conducting a near field communication transaction between a mobile communications device and a point-of-sale terminal, the method comprising:
maintaining a payment application and payment credentials in a memory of a secure element, the secure element physically coupled to the mobile communication device but electrically decoupled from electrical interior components of the mobile communications device, wherein execution of the payment application facilitates the transfer of payments credentials with a point-of-sale terminal;
executing a payment application stored in memory of the secure element by using a processor in the secure element, wherein the payment application is executed in response to detection of a near field communication induction trigger by a point-of-sale terminal, wherein the mobile communications device supports a first communication channel;
transmitting transaction data by using a wireless transceiver capable of near field communications in the secure element, wherein transaction data is sent through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel.
2 . The method of claim 1 , further comprising directly transmitting at least a portion of the transaction data from the mobile communications device to another mobile communications device.
3 . The method of claim 1 , wherein the first communication channel implements a Global System for Mobile (GSM) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol.
4 . The method of claim 1 , wherein the first communication channel implements a Code Division Multiple Access (CDMA) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol.
5 . The method of claim 1 , wherein the second communication channel implements a Bluetooth communication protocol.
6 . The method of claim 1 , wherein the second communication channel implements a Radio Frequency Identification (RFID) communication protocol.
7 . The method of claim 1 , wherein the transaction data includes an identifier that uniquely identifies a user of the mobile communications device.
8 . The method of claim 1 , wherein the execution of the payment application is related to ticketing, content, purchase of a service, or management of payment.
9 . The method of claim 1 , wherein the payment protocol allows for the processing of a ticket transaction and the transaction data comprises a ticket corresponding to the ticket transaction.
10 . The method of claim 1 , wherein the payment protocol allows for the processing of a transaction involving a coupon and the transaction data comprises a coupon corresponding to the transaction involving the coupon.
11 . A mobile communications device for conducting a near field communication transaction with a point-of-sale terminal, the mobile communications device comprising:
a mobile communications device transceiver supporting a first communication channel;
a mobile communications device memory configured to maintain a payment application and payment credentials; and
a mobile communications device processor coupled to the mobile communications device transceiver and the mobile communications device memory;
wherein a secure element is physically coupled to the mobile communications device but electrically decoupled from the electrical interior components of the mobile communications device, wherein a payment application stored in memory of the secure element is executed in response to an initial detection of a near field communication trigger by the point-of-sale terminal and a wireless transceiver in the secure element that is capable of near field communication is used to send transaction data through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel.
12 . The mobile communications device of claim 11 , wherein at least a portion of the transaction data is transmitted from the mobile communications device to another mobile communications device.
13 . The mobile communications device of claim 11 , wherein the first communication channel implements a Global System for Mobile (GSM) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol.
14 . The mobile communications device of claim 11 , wherein the first communication channel implements a Code Division Multiple Access (CDMA) communication protocol and the second communication channel implements a Near Field Communications (NFC) communication protocol.
15 . The mobile communications device of claim 11 , wherein the second communication channel implements a Bluetooth communication protocol.
16 . The mobile communications device of claim 11 , wherein the second communication channel implements a Radio Frequency Identification (RFID) communication protocol.
17 . The mobile communications device of claim 11 , wherein the transaction data includes an identifier that uniquely identifies a user of the mobile communications device.
18 . The mobile communications device of claim 11 , wherein the execution of the payment application is related to ticketing, content, purchase of a service, or management of payment.
19 . The mobile communications device of claim 11 , wherein the payment protocol allows for the processing of a ticket transaction and the transaction data comprises a ticket corresponding to the ticket transaction.
20 . A computer readable storage medium comprising:
computer code for maintaining a payment application and payment credentials in a memory of a secure element, the secure element physically coupled to the mobile communication device but electrically decoupled from electrical interior components of the mobile communications device, wherein execution of the payment application facilitates the transfer of payments credentials with a point-of-sale terminal;
computer code for executing a payment application stored in memory of the secure element by using a processor in the secure element, wherein the payment application is executed in response to detection of a near field communication induction trigger by a point-of-sale terminal, wherein the mobile communications device supports a first communication channel;
computer code for transmitting transaction data by using a wireless transceiver capable of near field communications in the secure element, wherein transaction data is sent through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel.