Securely accessing secure elements

A computer program product, comprising:

• a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer cause the computer to manage secure elements on mobile computing devices, the computer-executable program instructions comprising:
• computer-executable program instructions to receive a request from a backend server application executing on a mobile computing device to load application data onto a secure element;
• computer-executable program instructions to communicate a request for loading instructions needed to load the requested application data onto the secure element to a TSM server;
• computer-executable program instructions to receive the loading instructions from the TSM server;
• and
• computer-executable program instructions to encrypt and communicate the loading instructions and requested application data to the backend server client application executing on a mobile computing device for loading onto the secure element, wherein the backend server client application executes the program instructions and communicates the application data to the secure element via a contact interface on the mobile computing device.

A system to manage secure elements on mobile computing devices, comprising:

• a backend server application executing on a mobile computing device, the mobile computing device comprising a secure element and a contact interface in communication with the secure element;
• and
• a storage device and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
• receive a request to load application data onto a secure element from a mobile computing device;
• communicate a request for loading instructions needed to load a type of application data onto the secure element to a TSM server;
• receive the loading instructions from the TSM server;
• encrypt a data package comprising the loading instructions and application data using a security key of a security key pair;
• communicate the encrypted data package to a client application, wherein the client application decrypts the data package, executes the loading instructions, and communicates the application data to the secure element via the contact interface.