Patent published yesterday shows how Apple might use NFC, Bluetooth, Wifi for Payments & Offers

Apple filed a patent application in Sep 2012 which got published on 16th January 2014 that reads METHOD TO SEND PAYMENT DATA THROUGH VARIOUS AIR INTERFACES WITHOUT COMPROMISING USER DATA. It talks about a commercial transaction(s) method using the concepts of NFC secure element as well as Bluetooth, wifi and others. The method first establishes a secure link over a first air interface by a purchasing device. This secure link is between the purchasing device and a point of sale device. The method further identifies a second air interface, which is different from the first air interface, and the second air interface is used to conduct a secure commercial transaction.

Basically it looks like a concept where Apple is going to use the goodness of NFC (securely initiating the tra ...

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