Nfc mobile device transactions with a digital artifact

A method for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the method comprising:

• maintaining a non-browser based application in a mobile device memory, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device memory, a mobile device display, a mobile device processor, a mobile device wireless transceiver that supports voice and data interactions through a first communication channel, an NFC transceiver configured to use the NFC protocol through a second communication channel, an NFC processor configured to use the NFC protocol, and a secure element memory, wherein the secure element memory maintains an identification code associated with a user and a secure element application configured to use the NFC protocol, wherein the secure element memory, NFC transceiver, and NFC processor are included in a secure element permanently embedded within a body of the mobile device, wherein the graphical user interface includes a graphical icon.
• receiving, at the mobile device, user input login information, wherein the mobile device receives the user input login information via the mobile device;
• upon receipt of the user input login information, authenticating, at the mobile device, a user associated with the user input login information before the NFC transaction;
• after user authentication, activating the secure element in response to a detection of a near field communication inductive signal from an NFC terminal configured to use the NFC protocol;
• transmitting, using the secure element application, via the NFC transceiver, first transaction information including the identification code associated with the user via the second communication channel from the secure element memory to the NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal, wherein the first transaction information including the identification code associated with the user is transmitted to a remote management server which transmits second transaction information including a payment method that corresponds to the identification code associated with the user to a transaction server that processes the near field communication transaction using the payment method that corresponds to the identification code associated with the user, wherein the payment method is maintained at the remote management server;
• and
• after the NFC transaction has been processed, receiving a digital artifact from the remote management server over the first communication channel for display in the graphical user interface of the non-browser based application.