Multiple secure elements in mobile electronic device with near field communication capability

A method of secure element selection for wireless payment and access control, comprising:

• inserting a removable card comprising a secure element into a slot in a mobile device, wherein the secure element is comprised in a plurality of secure elements associated with the mobile device;
• automatically selecting the secure element on the removable card for use by an application requiring a secure element, wherein the selection is performed by a switching application stored in a trusted security zone on the mobile device, wherein the switching application automatically selects the secure element from the plurality of secure elements based on pre-defined selection rules comprising one of location and last account accessed, and wherein the trusted security zone runs a separate operating system that is not accessible to the mobile device users;
• controlling, by the switching application, one or more hardware switches coupling a near field communication transceiver to one or more respective secure elements of the plurality of secure elements;
• coupling the near field communication transceiver to the secure element on the removable card based on the automatic selection of the secure element on the removable card;
• and
• establishing a wireless link between the near field communication transceiver in the mobile device and an external near field communication device, wherein the wireless link enables communication between the selected secure element on the removable card and the external near field communication device, and wherein the wireless link is established after the switching application selects which of the one or more respective secure elements to couple to the near field communication transceiver.