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Next on Apple’s hit list: Visa, Mastercard, and American Express? Next-generation iPhones and iPads will be able to function essentially as credit cards, says Bloomberg News, thanks to a new technology that can beam and receive information at a distance of up to four inches. Such a feature could be used to tap into bank accounts directly, which would save Apple from having to pay credit-card company processing fees. Apple would neither confirm nor deny whether it’s working on this feature, which has long been rumored.