System and method for point of sale transactions using wireless device with security circuit

A customer mobile communication device associated with a customer and configured and arranged to conduct secure transactions at a point of sale, the customer mobile communication device comprising:

• a hardware processor;
• a secure communication interface operatively coupled to said hardware processor;
• a user interface of said customer mobile communication device operatively responsive to inputs by said customer and outputs from said hardware processor;
• a physical signal sensor or receiver operatively coupled to the processor;
• a physical authentication unit that is separate from and operatively coupled to the processor;
• a non-transitory memory operatively coupled to the processor, the non- transitory memory comprising:
• computer-readable instructions that cause the physical signal sensor or receiver to detect and decode a physical communication signal, sent by a sales associate device at said point of sale, the physical communication signal encoding a selectable link providing access to a customer payment application and further encoding a unique customer order identifier associated with an order being processed at said point of sale;
• computer-readable instructions that cause the user interface to present a selectable link corresponding to the customer payment application;
• computer-readable instructions that cause the secure communication interface to send a customer order request, corresponding to said customer unique order identifier, to a payment server;
• computer-readable instructions that cause the secure communication interface to receive, in response to said customer order request, customer order data including a cost for the customer order;
• computer-readable instructions that cause said processor to generate a secure payment request;
• computer-readable instructions that cause said physical authentication unit and processor to authenticate said customer on the customer mobile communication device using authentication data securely stored in said physical authentication unit that is on the customer mobile communication device and separate from said processor of said customer mobile communication device;
• computer-readable instructions that retrieve customer payment account information from said physical authentication unit that is on the customer mobile communication device and separate from said processor of said customer mobile communication device;
• computer-readable instructions that encode said customer payment account information in said secure payment request;
• computer-readable instructions that cause the secure communication interface to send said customer payment request including said customer payment account information from the customer mobile communication device to the payment server, over said secure communication connection;
• and
• computer-readable instructions that receive a payment authorization message from said payment server responsive to the sent customer payment request.