Apple has filed a patent application entitled "Method To Send Payment Data Through Various Air Interfaces Without Compromising User Data," for contactless POS terminals using more than one interface.
The patent filing by Apple is in preparation of enabling mobile payments with its new device, the iPhone6.
The patent concerns a secure element (SE) located in a device such as a mobile phone to store cardholder data through proximity interfaces, such as near field communications (NFC) technology and Bluetooth or Wi-Fi to complete the processing of a transaction.
According to the Apple filing published by the US Patent & Trademark Office, "NFC can be used in electronic transactions, e.g. to securely send order and payment information for online purchases from a purchaser’s mobile device to a seller’s point of sale (POS) device.
"Increased mobility is provided to users of the portable device making purchases by establishing a second secure link that uses a different protocol, such as WIFI or Bluetooth, that has more desirable characteristics for maintaining the link over time than NFC."