Apple has applied for a patent on a combined virtual
currency and digital wallet technology that would allow you to store money in
the cloud, make payments with your iPhone, and — just maybe — communicate with
point-of-sale terminals via NFC.
The patent application, published today by the U.S. Patent and Trademark Organization,
details how iPhone users could walk into a store, pay for goods with their
phone, and walk out with their merchandise. All of this is possible today, of
course, but Apple’s patent application mentions — although does not require —
NFC, something that Apple has long resisted adding to the iPhone. NFC
facilitates digital wallets and cashless purchasing by wirelessly transmitting
payment credentials and pricing information….
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