Apparatuses and methods for managing payment applets on a secure element to conduct mobile payment transactions

A portable electronic device, comprising:

• a user input device configured to receive a predetermined input;
• near-field communications circuitry configured to detect a merchant terminal;
• an applications processor configured to send a payment activation request to the secure element before a user input received flag has been asserted in response to the portable electronic device using the near-field communications circuitry to detect the merchant terminal;
• and
• a secure element configured to securely store commerce credentials, to assert the user input received flag in response to receiving the predetermined input at the user input device, to determine whether the user input received flag has been asserted, and to assert an authorization received flag in response to determining that the user input received flag has not been asserted and receiving the payment activation request from the applications processor.

A method of operating an electronic device that includes a secure element and an applications processor, the method comprising:

• with an input device on the electronic device, receiving an input for conducting a mobile payment transaction;
• after receiving the input, asserting a button-pressed flag with a contactless register service (CRS) implemented on the secure element applet responsive to confirming that an authorization-received-flag has not been asserted;
• with near-field communications circuitry in the electronic device, detecting a merchant terminal;
• in response to detecting the merchant terminal, using the applications processor to send a payment activation request to the CRS applet;
• in response to receiving the payment activation request at the CRS applet, using the CRS applet to assert the authorization-received flag;
• and
• in response to determining that both the button-pressed flag and the authorization-received flag have been asserted, using the secure element to activate a payment applet on the secure element to perform the mobile payment transaction.