Importance

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Abstract

A system for use with a trusted service manager (TSM) and a mobile device having a subscriber unique identifying data, according to one embodiment, includes: a server in which the server validates an application against the unique and identifying data of the mobile device and provides the validated application for the mobile device; and a secure element (SE) acting as a client in which the SE is present in the mobile device as client; the validated application from the server is installed in the SE; and the SE is adapted to execute the validated application to perform a service process. The service process includes enablement of payment functions on the mobile device, in which enablement of payment functions includes: providing secure communication between the mobile device and the server; secure provisioning of a payment instrument on the mobile device, wherein authentication and verification for the payment instrument on the mobile device is provided by the server; and binding the payment instruments and the validated application to the mobile device to provide a strong ID management for enhanced user protection and system security and integrity.

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First Claim