In a patent granted by the U.S. patent and Trademark Office on Tuesday, there is more evidence that Apple has been considering using the technology for some time. This document describes the whole process of secure transaction. There is no direct communication between the user’s equipment and the retailer’s system. Apple’s argument is that the use of Bluetooth and NFC still has the potential risk of privacy leakage due to the active broadcast of users’ transaction data. < / P > < p > in addition, there is a problem that not every payment terminal supports contactless payment. For example, there is no payment terminal that can accept NFC communication. In this system, apple proposes that the camera can scan and decode the optical code, which can be in the form of two-dimensional code. The code contains a claim number that can be used by the user’s equipment to transmit electronically to the settlement center server. < / P > < p > the clearing house system uses a unique claim number to cross reference purchase orders placed in the same system by retailers. A file is sent back to the customer’s device and contains another code, which can be a barcode or another QR code with some identifiers associated with the order and related data. At this point, users will see an authorization screen to confirm that they want to make a transaction and then send it back to the clearing house. After that, the clearing house will send a communication to the merchant stating that the payment has been made. < / P > < p > as the code was sent to the clearing house, apple said there would be a certain degree of anonymity in the process, as it would inform merchants that the payment had been made, but would not tell the identity of the payer. The need for privacy is likely to be included, in part because the patent was originally implemented to pay for prescriptions in pharmacies. The list of claims includes reference to whether the prescription is filled in, the anonymity of the prescribing doctor and the use of the pharmacy system. It has even mentioned that the number of tonic supplements should be adjusted in the confirmation information, the doctor’s additional instructions in the transmission, and other medical related details. < / P > < p > although patents mainly deal with medical related transactions, the further description of patent applications also refers to more general transactions. The patent was originally filed on August 18, 2016, and its inventor is Binu K. Mathew. Apple filed a large number of patent applications every week, but there is no guarantee that there will be a function in future products or services. Global Tech