Methods, systems, and computer readable media for secure near field communication of a non-secure memory element payload

A near field communication (NFC) enabled mobile device for secure NFC of a non-secure memory element payload, the NFC enabled mobile device comprising:

• a non-secure memory element located within a NFC enabled mobile device configured to store a payload received from a content provider;
• a payload management module comprising an application stored in a secure memory element that when executed by a hardware processor is configured to transfer the stored payload from the non-secure memory element located within the NFC enabled mobile device to the secure memory element located within the NFC enabled mobile device, wherein transferring the stored payload includes loading the stored payload into a secure reloadable payload instance included in the secure memory element located within the NFC enabled mobile device, wherein a payload key included in the secure memory element is used to authenticate data in the stored payload prior to loading the stored payload into the secure reloadable payload instance in the secure memory element, and wherein the secure memory element includes a non-detachable embedded memory element located within the NFC enabled mobile device;
• and
• an NFC module configured to establish a NFC link between the NFC enabled mobile device and an NFC reader, and to communicate, via the NFC link, the transferred payload from the secure reloadable payload instance to the NFC reader, wherein the NFC module includes a hardware based circuit.

A non-transitory computer readable medium comprising computer executable instructions that when executed by a processor of a computer control the computer to perform steps comprising:

• receiving, at an NFC enabled mobile device and from a content provider, a payload;
• storing the received payload in a non-secure memory element located within the NFC enabled mobile device;
• transferring the stored payload from the non-secure memory element located within the NFC enabled mobile device to a secure memory element located within the NFC enabled mobile device, wherein transferring the stored payload includes loading the stored payload into a secure reloadable payload instance included in the secure memory element located within the NFC enabled mobile device, wherein a payload key included in the secure memory element is used to authenticate data in the stored payload prior to loading the stored payload into the secure reloadable payload instance in the secure memory element, and wherein the secure memory element includes a non-detachable embedded memory element located within the NFC enabled mobile device;
• establishing a NFC link between the NFC enabled mobile device and an NFC reader;
• and
• communicating, via the NFC link, the transferred payload from the secure reloadable payload instance to the NFC reader.