Abstract: Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A mobile device embedded with a secure element generates or is loaded with an electronic invoice. When the mobile device is brought to a consumer with an NFC mobile device, the data including the electronic invoice and other information regarding the mobile device or an owner thereof is read off wirelessly into the NFC mobile device. After the user verifies the amount being charged and authorizes the payment, the NFC mobile device communicates with a payment gateway or network for payment that is configured to proceed with the payment in accordance with a chosen payment methods.

Abstract: Techniques for mobile devices configured to support or function as multiple contactless cards, such as Mifare contactless cards, are disclosed. According to one embodiment, a mobile device embedded with an emulator is loaded with a plurality of software modules or applications, each emulating one card or one type of contactless cards. An emulator is implemented in a secure element that is personalized for a user of the mobile device while the applications are respectively provisioned via their respective providers per the personalized secure element. When the mobile device is to be used as a contactless card to perform a monetary function, a corresponding application is loaded into and executed in the emulator. When the mobile device is to be used to perform another monetary function, a corresponding application is loaded into the emulator to replace the previous application entirely or partially in the emulator.

Abstract: Techniques for providing trusted management services (TSM) are described. According to one aspect of the techniques, a secure element (SE) is personalized via the TSM. A process is provided to personalize an SE with multiple parties involved and orchestrated by a party or a business running the TSM, hence as a trusted service manager (TSM). The TSM brings the parties together to recognize the SE being personalized so that subsequent transactions can be authorized and carried out with a device embedded with the SE. In operation, each of the parties may load a piece of data into the SE, including registration information, various services or application data, and various keys so that subsequent transactions can be carried out with or via an authorized party and in a secured and acknowledgeable manner.