PEER-TO-PEER TRANSACTIONS BETWEEN EMBEDDED NEAR FIELD COMMUNICATION DEVICES WITH AUTHENTICATION
A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
1 . A method for transferring data between two mobile devices using near field communication, the method comprising:
maintaining a first application and transaction data in a first secure element memory included in a first secure element, the first secure element embedded in a first mobile device, the first mobile device configured to use a first communication channel;
determining that a data exchange between a mobile application running on the first mobile device and a second mobile device has occurred, wherein the second mobile device permits a user associated with the mobile application running on the first mobile device to conduct a near field communication transaction as a result of the data exchange;
executing the first application using a first secure element processor included in the first secure element, the first secure element processor configured to use near field communication, wherein the first application is executed in response to a near field communication inductive interaction with a second secure element embedded in the second mobile device, wherein execution of the first application facilitates a transfer of the transaction data to the second secure element, the second secure element including a second secure element memory and a second secure element processor configured to use near field communication; and
transmitting the transaction data to the second secure element using a second communication channel different from the first communication channel.
2 . The method of claim 1 , wherein the transaction data is wirelessly transmitted from a first point-of-sale transceiver corresponding to the first secure element to a second point-of-sale transceiver corresponding to the second secure element.
3 . The method of claim 1 , wherein the data exchange includes exchanging an identification code.
4 . The method of claim 3 , wherein the identification code is a personal identification number (PIN).
5 . The method of claim 1 , wherein the first mobile device includes a radio transceiver and a visual display, the radio transceiver configured to receive transaction data from the second mobile device using the first communication channel, the visual display configured to display at least a portion of the transaction data from the second mobile device.
6 . The method of claim 1 , wherein the data exchange includes using a session key that is a shared key.
7 . The method of claim 1 , wherein the data exchange between the first mobile device and the second mobile device includes prompting the user to enter a payment limit personal identification number (PIN) in response to a purchase exceeding a pre-determined amount.
8 . The method of claim 1 , wherein the second communication channel implements a Bluetooth communication protocol.
9 . The method of claim 1 , wherein the second communication channel implements a Radio Frequency Identification (RFID) communication protocol.
10 . The method of claim 1 , wherein the transaction data includes an identifier that uniquely identifies the user of the mobile device.
11 . A system comprising:
a first secure element memory included in a first secure element, the first secure element memory configured to maintain a first application and transaction data, wherein the first secure element is embedded in a first mobile device and is configured to use a first communication channel;
a first secure element processor configured to determine that a data exchange between a mobile application running on the first mobile device and a second mobile device has occurred, wherein the second mobile device permits a user associated with the mobile application running on the first mobile device to conduct a near field communication transaction as a result of the data exchange, wherein the first secure element processor is further configured to execute the first application included in the first secure element, the first secure element processor configured to use near field communication, wherein the first application is executed in response to a near field communication inductive interaction with a second secure element embedded in the second mobile device, wherein execution of the application facilitates a transfer of the transaction data to the second secure element, the second secure element including a second memory and a second processor configured to use near field communication, wherein the second secure element is embedded in a second mobile device; and
a transmitter configured to send the transaction data to the second secure element using a second communication channel different from the first communication channel.
12 . The method of claim 11 , wherein transaction data is wirelessly transmitted from a first point-of-sale transceiver corresponding to the first secure element to a second point-of-sale transceiver corresponding to the second secure element.
13 . The system of claim 11 , wherein the data exchange includes exchanging an identification code.
14 . The system of claim 3 , wherein the identification code is a personal identification number (PIN).
15 . The system of claim 11 , wherein the data exchange includes using a session key that is a shared key.
16 . The system of claim 11 , wherein the data exchange between the first mobile device and the second mobile device includes prompting the user to enter a payment limit personal identification number (PIN) in response to a purchase exceeding a pre-determined amount.
17 . The system of claim 11 , wherein the second communication channel implements a Bluetooth communication protocol.
18 . The system of claim 11 , wherein the second communication channel implements a Radio Frequency Identification (RFID) communication protocol.
19 . The system of claim 11 , wherein the transaction data includes an identifier that uniquely identifies the user of the first mobile device.
20 . An apparatus comprising:
means for maintaining a first application and transaction data in a first secure element memory included in a first secure element, the first secure element embedded in a first mobile device, the first mobile device configured to use a first communication channel;
means for determining that a data exchange between a mobile application running on the first mobile device and a second mobile device has occurred, wherein the second mobile device permits a user associated with the mobile application running on the first mobile device to conduct a near field communication transaction as a result of the data exchange;
means for executing the first application using a first secure element processor included in the first secure element, the first secure element processor configured to use near field communication, wherein the first application is executed in response to a near field communication inductive interaction with a second secure element embedded in the second mobile device, wherein execution of the first application facilitates a transfer of the transaction data to the second secure element, the second secure element including a second secure element memory and a second secure element processor configured to use near field communication.