Method, apparatus, and system for performing wireless transactions with near-field communication (NFC) set up

A method, comprising:

• storing in at least one memory of a computing device at least one application configured to be executed by at least one processor of the computing device, the at least one application being programmed into at least one wallet application to govern transactions based on wireless data communications between the computing device and at least one external electronic device;
• storing, in the at least one memory of the computing device, an electronic credential mapped to a reader key received from an issuer of the electronic credential, the electronic credential comprising reader key information indicating the reader key associated with the electronic credential;
• transmitting, between a near-field communication (NFC) device of the computing device and a NFC reader in communication with the external electronic device, wireless setup information based on a NFC antenna of the NFC device being within a radio frequency (RF) range of a NFC antenna of the NFC reader;
• establishing a wireless communications link between a short-range RF transceiver of the computing device and an external RF transceiver in communication with the external electronic device, based on the transmitting of the wireless setup information, wherein the short-range RF transceiver of the computing device and the external RF transceiver support a predetermined communications protocol;
• receiving a reader key programmed in the at least one external electronic device via the wireless communications;
• selecting the electronic credential using the reader key information to initiate the transaction in response to the received reader key;
• and
• initiating, based on the establishing of the wireless communications link and the selected electronic credential, at least one application governed transaction between the computing device and the external RF transceiver in communication with the external electronic device.

A computing system comprising:

• a near-field communication (NFC) reader;
• an external electronic device in communication with the NFC reader;
• an external radio frequency (RF) transceiver in communication with the external electronic device;
• and
• a computing device including:
• at least one processor,
• at least one memory having stored therein a plurality of applications to be executed by the at least one processor, the plurality of applications being programmed into at least one wallet application to govern transactions based on wireless data communications between the computing device and at least one external electronic device,
• a short-range RF transceiver configured to communicate with the external RF transceiver, wherein the short-range RF transceiver and the external RF transceiver support a predetermined communications protocol, and
• a near-field communication (NFC) device including a NFC antenna, the NFC device configured to transmit wireless setup information between the NFC antenna and the NFC reader based on the NFC antenna of the computing device being within a RF range of a NFC antenna of the NFC reader,
• wherein the at least one processor is configured to establish a wireless communications link between the short-range RF transceiver and the external RF transceiver to initiate at least one application governed transaction between the computing device and the at least one external device via the short-range RF transceiver based on establishing the wireless communications link,
• wherein the at least one memory further stores an electronic credential mapped to a reader key received from an issuer of the electronic credential, the electronic credential comprising reader key information indicating the reader key associated with the electronic credential, and
• wherein the at least one processor is further configured to:
• receive a reader key programmed in the at least one external electronic device via the wireless communications, and
• select the electronic credential using the reader key information to initiate the transaction in response to the received reader key.