A newly public patent application from Apple describes a detailed backend architecture for a mobile wallet designed to hold digital credit, debit cards and coupons issued by a range of merchants and financial institutions. According to a detailed review by BI Intelligence and independent experts, the patent application describes an “omni-wallet,” which allows other parties to securely send data to Apple device owners, using sophisticated encryption and secure hardware to prevent fraudsters from intercepting or duplicating sensitive information such as digital credit cards.