| CPC G06Q 20/202 (2013.01) [G06Q 20/204 (2013.01); G07G 1/0009 (2013.01); G07G 1/0081 (2013.01); G07G 1/009 (2013.01); G07G 1/14 (2013.01)] | 20 Claims |

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1. An apparatus for a point of sale transaction, the apparatus comprising:
a processor;
a secure element; and
a near field communications (NFC) circuitry,
the apparatus to communicate payment information and a public key to register a payment instrument as a valid payment instrument;
the secure element operably coupled with the NFC circuitry to communicate a cryptogram associated with the payment instrument to process a transaction, wherein the cryptogram comprises a random number and information, wherein the random number uniquely identifies the payment instrument; and
the apparatus to receive an approval of a payment via the payment instrument.
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