Location-Based Credential Selection for Wireless Transactions

An electronic device comprising:

• a secure transaction subsystem configured to store a plurality of credentials;
• and
• a processor communicatively coupled to the secure transaction subsystem and configured to:
• receive location information from one or more radios;
• determine that a distance between the electronic device and a terminal is less than a predetermined distance, based at least in part on the location information;
• and
• in response to determining the distance between the electronic device and the terminal is less than the predetermined distance, select a credential from the plurality of credentials.

A method for selecting a credential from a plurality of credentials stored on an electronic device, the method comprising:

• receiving a poll message from a first radio;
• in response to receiving the poll message, sending a response message to the first radio;
• receiving location information from a second radio, wherein the location information is based at least in part on the poll and response messages;
• determining that a distance between the electronic device and a terminal is less than a predetermined distance, based at least in part on the location information;
• in response to determining the distance between the electronic device and the terminal is less than the predetermined distance, selecting the credential from the plurality of credentials;
• establishing communication between the electronic device and the terminal via a short-distance wireless radio on the electronic device;
• and
• in response to establishing communication, initiating a transaction with the terminal via the short-distance wireless radio.