Secure element having multiple users

1. A multi-user device, comprising:

a secure processor circuit;

a secure element comprising a first processor and a first memory, wherein the first memory stores program instructions that when executed by the first processor cause the first processor to perform:

storing, in the first memory, payment information associated with a plurality of users;

receiving a first payment request to communicate the payment information associated with a first user of the plurality of users;

sending a request to perform an authentication of the first user to the secure processor circuit;

communicating the payment information associated with the first user in response to the authenticating of the first user; and

the secure processor circuit comprising a second processor and a second memory, wherein the second memory stores program instructions that when executed by the second processor cause the second processor to perform:

authenticating the first user in response to the request from the secure element.

2. The multi-user device of claim 1 , further comprising:

a wireless interface.

3. The multi-user device of claim 2 , wherein the wireless interface is a near field communication (NFC) interface.

4. The multi-user device of claim 1 , further comprising:

a biosensor that collects biometric information.

5. The multi-user device of claim 4 , wherein the biometric information includes fingerprint data.

6. The multi-user device of claim 4 , wherein the biometric information includes image data collected from a user's face.

7. The multi-user device of claim 1 , further comprising:

a third processor; and

a third memory, wherein the third memory stores programs instructions that executed by the third processor cause the third processor to perform:

receiving, via an interface application, a user request to use a first applet associated with the payment information of the first user in the secure element.

8. The multi-user device of claim 1 , wherein the first memory stores additional program instructions that when executed by the first processor cause the first processor to perform:

storing a user applet associated with the first user;

storing, in the user applet, the payment information associated with the first user;

instantiating an instance of a contactless registry service (CRS) applet; and

associating the instantiated instance of the CRS applet with the first user.

9. The multi-user device of claim 1 , wherein the first memory stores additional program instructions that when executed by the first processor cause the first processor to perform:

instantiating a single instance of a contactless registry service (CRS) applet; and

storing, in the instantiated instance of the CRS applet, ownership information that associates each of a plurality of users to a respective user applet that stores the payment information associated with that user.

10. The multi-user device of claim 1 , wherein the second memory stores additional program instructions that when executed by the second processor cause the second processor to perform:

storing ownership information associating the first user with a set of applets in the secure element, wherein the set of applets are associated with payment information of the first user;

receiving, from the secure element, a request to execute an applet in the set to cause communication of the first user's payment information; and

determining whether execution of the applet is permitted based on the ownership information and the authenticating.

11. One or more non-transitory computer readable media storing program instructions that when executed by a first processor in a secure element of a multi-user device cause the first processor of the secure element to perform operations comprising:

storing, in a memory of the secure element, payment information associated with a plurality of users;

receiving a first payment request to communicate the payment information associated with a first user of the plurality of users;

sending, to a secure processor circuit in the multi-user device, a request to perform an authentication of the first user;

communicating the payment information associated with the first user in response to the secure processor circuit authenticating of the first user; and

wherein the one or more non-transitory computer readable media storing additional program instructions that when executed by a second processor of the secure processor circuit in the multi-user device to perform:

authenticating the first user in response to the request from the secure element.

12. The one or more computer readable media of claim 11 , wherein the communicating the payment information associated with the first user comprises communicating, via a contactless interface of the multi-user device, the payment information associated with the first user to a merchant system.

13. The one or more computer readable media of claim 11 , wherein the authenticating is a biometric authentication.

14. The one or more computer readable media of claim 11 , wherein the program instructions that when executed by the first processor in the secure element further cause the first process to perform additional operations:

instantiating one or more instances of a contactless registry service (CRS) applet; and

storing, in the one or more instantiated instances of the CRS applet, ownership information that associates each of a plurality of users to a respective user applet that stores the payment information associated with that user.

15. A method, comprising:

storing, by a secure element of a multi-user device and in a memory of the secure element, payment information associated with a plurality of users;

receiving, by the secure element, a first payment request to communicate the payment information associated with a first user of the plurality of users;

sending, by the secure element, a request to perform an authentication of the first user to a secure processor circuit of the multi-user device;

authenticating, by the secure processor circuit, the first user in response to the request from the secure element; and

communicating, by the secure element, the payment information associated with the first user in response to the authenticating of the first user.

16. The method of claim 15 , wherein the communicating the payment information associated with the first user comprises communicating, via a wireless interface of the multi-user device, the payment information associated with the first user to a merchant system.

17. The method of claim 16 , wherein the wireless interface is a near field communication (NFC) interface.

18. The method of claim 15 , wherein the authenticating the first user in response to the request from the secure element further comprises:

comparing, by the secure processor circuit, biometric information from a biosensor with biometric information of the first user.

19. The method of claim 15 , further comprising:

instantiating, by the secure element, one or more instances of a contactless registry service (CRS) applet; and

storing, by the secure element in the one or more instances of the CRS applet, ownership information that associates each of a plurality of users to a respective user applet that stores the payment information associated with that user.