Apple Pay to expand to transit systems, keyless entry?

In expanding Apple Pay outside contactless payments, an iPhone could also end up being a building entry card, as well as your subway card.

Image: CNET/CBS Interactive

Apple's contactless payments service may end up replacing your entire wallet — not just your credit and debit cards, according to a new report.

In a post on Monday, The Information (paywall) said executives at HID Global and Cubic, companies which provide contactless secure access to buildings, are in discussions with Apple to bring keyless entry to the iPhone.

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Apple's own contactless payments service, Apple Pay, which launched in mid-October, uses near-field communications (NFC) included in its latest iPhone 6 and iPhone 6 Plus handsets to allow users to pay for goods at thousands of retailers around the U.S. 

That technology could soon be used for a wider number of purposes, The Information said.

It's not completely farfetched to eye an expansion in this developing space for the iPhone maker. 

Apple recently announced a partnership with Starwood Hotels will allow customers to unlock their hotel doors using their iPhone and Apple Watch — though, this uses Bluetooth, rather than NFC.

Also, Apple's fingerprint sensor, Touch ID, which was first introduced in the iPhone 5s and rolled out since to its latest iPad range , started with humble beginnings — simply a device unlock and App Store verification system. Over time was opened up to third-party developers.

The same could easily happen — at least, in theory — with Apple Pay.

Just as Apple Pay has already done a good job (in early testing by our sister site CNET) of replacing the credit and debit card, it's not hard to see the leap to transit cards, keyless entry cards, and other uses.