Nfc mobile payments using tokenization

Abstract

The present invention provides a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI. The present invention also provides a method of completing a transaction in which a management server assists a transaction server and a point of sale terminal in forwarding transaction information to a hand-held mobile device, with the transaction having originated from the hand-held mobile device. There is also provided a hand-held mobile device that wirelessly communicates between a secure element and a radio element that are associated with the hand-held mobile device.

What is claimed: 
     
         1 . A method for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the method comprising:
 maintaining an identification code associated with a user and a secure element application configured to use the NFC protocol in a secure element memory, the secure element memory, a secure element processor and a secure element transceiver supporting a first communication channel comprising the NFC protocol included in a secure element embedded within the body of a mobile device, the mobile device comprising of a mobile device memory, a mobile device processor, and a mobile device wireless transceiver;   executing the secure element application in response to a NFC inductive signal by an NFC terminal; and   wirelessly transmitting, using the secure element application, a transaction request including the identification code associated with the user via the secure element transceiver over a first communication channel to the NFC terminal in response to the NFC inductive signal by the NFC terminal, wherein the transaction request including the identification code associated with the user is transmitted over a second communication channel that is different than the first communication channel to a remote server for processing the NFC transaction using a payment method maintained at the remote server that corresponds to the identification code associated with the user, wherein the NFC terminal and the first communication channel is configured to use the NFC protocol.   
     
     
         2 . The method of  claim 1 , further wherein after a payment has been processed by the remote server, the remote server transmits a transaction response to the mobile application over the second communication channel. 
     
     
         3 . The method of  claim 2 , wherein the transaction response comprises at least one of a transaction number, receipt, ticket, coupon, or content. 
     
     
         4 . The method of  claim 1 , wherein the payment method is a credit card, debit card, or cash card. 
     
     
         5 . The method of  claim 1 , further wherein based on information related to the identification code associated with the user, the NFC terminal transmits the identification code associated with the user to a specific remote server for processing the NFC transaction using the payment method maintained at the remote server that correspond to the identification code associated with the user. 
     
     
         6 . The method of  claim 2 , further wherein, the transaction response is based on the remote server correlating the identification code associated with the user, information related to the payment method, information related to a user, information related to the NFC transaction, and information related to a transaction history. 
     
     
         7 . The method of  claim 2 , further wherein the mobile application sends an alert to the remote server if it has not received the transaction response from the remote server within a certain period of time. 
     
     
         8 . The method of  claim 1 , further wherein the remote server is configured to store a single identification code associated with the user for a plurality of the user's mobile devices and further wherein the configuration means the remote server scales. 
     
     
         9 . The method of  claim 1 , further wherein after a payment has been processed by the remote server, the NFC terminal transmits a transaction response to the secure element via the NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal. 
     
     
         10 . The method of  claim 9 , further wherein, the mobile application receives the transaction response from the secure element using an internal wired communication channel between the secure element and the mobile device. 
     
     
         11 . A mobile device using a Near Field Communication (NFC) protocol to conduct an NFC transaction, the mobile device comprising:
 a mobile device memory;   a mobile device processor; and   a secure element permanently embedded within the body of the mobile device, the secure element including a secure element memory that maintains an identification code associated with a user and a secure element application configured to use the NFC protocol, a secure element processor, a secure element transceiver supporting a first communication channel comprising the NFC protocol, wherein the secure element application is executed in response to a NFC inductive signal by an NFC terminal and the secure element application wirelessly transmits a transaction request including the identification code associated with the user over a first communication channel via the secure element transceiver to the NFC terminal in response to the NFC inductive signal by the NFC terminal, further wherein the transaction request including the identification code associated with the user is transmitted over a second communication channel that is different from the first communication channel to a remote server for processing of the NFC transaction using a payment method maintained at the remote server that corresponds to the identification code associated with the user, the NFC terminal and first communication channel configured to use the NFC protocol.   
     
     
         12 . The mobile device of  claim 11 , further wherein after a payment has been processed by the remote server, the remote server transmits a transaction response to the mobile application over the second communication channel. 
     
     
         13 . The mobile device of  claim 12 , wherein the transaction response comprises at least one of a transaction number, receipt, ticket, coupon, or content. 
     
     
         14 . The mobile device of  claim 11 , wherein the payment method is a credit card, debit card, or cash card. 
     
     
         15 . The mobile device of  claim 11 , further wherein based on information related to the identification code associated with the user, the NFC terminal transmits the identification code associated with the user to a specific remote server for processing the NFC transaction using the payment method maintained at the remote server that correspond to the identification code associated with the user. 
     
     
         16 . The mobile device of  claim 12 , further wherein, the transaction response is based on the remote server correlating the identification code associated with the user, information related to the payment method, information related to a user, information related to the NFC transaction, and information related to a transaction history. 
     
     
         17 . The mobile device of  claim 12 , further wherein the mobile application sends an alert to the remote server if it has not received the transaction response from the remote server within a certain period of time. 
     
     
         18 . The mobile device of  claim 11 , further wherein the remote server is configured to store a single identification code associated with the user for a plurality of the user's mobile devices and further wherein the configuration means the remote server scales. 
     
     
         19 . The mobile device of  claim 11 , further wherein after a payment has been processed by the remote server, the NFC terminal transmits a transaction response to the secure element via the NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal. 
     
     
         20 . The mobile device of  claim 19 , further wherein, the mobile application receives the transaction response from the secure element using an internal wired communication channel between the secure element and the mobile device.