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ChapterTitle
NFC-Bluetooth con- Apple proposed that payments be initiated at the POS
via NFC and then completed via Bluetooth connections.
tactless payment To establish the secure NFC connection, Apple stated that
mobile devices must be within 3 to 6 inches of the POS
device. But then a second connection established between
combo proposed the mobile device and a Bluetooth connection takes over,
whereby the transaction is completed.
Apple believes this scheme is more user friendly than
ncertainty reigns in the realm of contactless a strictly NFC-based transaction; it also can be a boon
mobile payments. Near field communication for merchant loyalty programs. The patent states, "The
(NFC), quick response (QR) codes, geoloca- NFC protocol … establishes a secure link quickly and
U tion purchasing and Bluetooth have all been conveniently at a point of sale. However, transactions that
presented by various service providers as the solution include sending additional data between the POS terminal
for mobile payments in the brick-and-mortar space, yet and the portable device, such as additional payment
nothing has taken hold as the preferred solution. But now information, coupon offers, coupon data, and the like, can
comes a new variant: a combination of NFC and Bluetooth continue for some time. … Holding or setting the device
that attempts to leverage the advantages of both technolo- near the POS terminal becomes inconvenient for users, so
gies. NFC is less desirable for longer transactions."
On Jan. 16, 2014, the U.S. Patent and Trademark Office Wi-Fi or Bluetooth was proposed by Apple as the secondary
made public a patent application filed by Apple Inc. in connection, where cardholder verification and transaction
July 2012. The patent, titled Method to send payment data processing is conducted. Not mentioned in the patent
through various air interfaces without compromising user data, application, but assumed to be central to Apple's scheme,
involves various proposed methods for establishing and is iBeacon, introduced by the tech giant in mid 2013, which
maintaining connections between mobile devices and utilizes Bluetooth Low Energy (BLE) technology.
POS devices, and then allowing for secure transactions to
be processed over those connections.
ChapterTitle
NFC-Bluetooth con- Apple proposed that payments be initiated at the POS
via NFC and then completed via Bluetooth connections.
tactless payment To establish the secure NFC connection, Apple stated that
mobile devices must be within 3 to 6 inches of the POS
device. But then a second connection established between
combo proposed the mobile device and a Bluetooth connection takes over,
whereby the transaction is completed.
Apple believes this scheme is more user friendly than
ncertainty reigns in the realm of contactless a strictly NFC-based transaction; it also can be a boon
mobile payments. Near field communication for merchant loyalty programs. The patent states, "The
(NFC), quick response (QR) codes, geoloca- NFC protocol … establishes a secure link quickly and
U tion purchasing and Bluetooth have all been conveniently at a point of sale. However, transactions that
presented by various service providers as the solution include sending additional data between the POS terminal
for mobile payments in the brick-and-mortar space, yet and the portable device, such as additional payment
nothing has taken hold as the preferred solution. But now information, coupon offers, coupon data, and the like, can
comes a new variant: a combination of NFC and Bluetooth continue for some time. … Holding or setting the device
that attempts to leverage the advantages of both technolo- near the POS terminal becomes inconvenient for users, so
gies. NFC is less desirable for longer transactions."
On Jan. 16, 2014, the U.S. Patent and Trademark Office Wi-Fi or Bluetooth was proposed by Apple as the secondary
made public a patent application filed by Apple Inc. in connection, where cardholder verification and transaction
July 2012. The patent, titled Method to send payment data processing is conducted. Not mentioned in the patent
through various air interfaces without compromising user data, application, but assumed to be central to Apple's scheme,
involves various proposed methods for establishing and is iBeacon, introduced by the tech giant in mid 2013, which
maintaining connections between mobile devices and utilizes Bluetooth Low Energy (BLE) technology.
POS devices, and then allowing for secure transactions to
be processed over those connections.
