Today, the US Patent & Trademark Office granted Apple a patent relating to an all-new iWallet Credit System Architecture. It's a surprising patent win for Apple considering that it was an acquired patent from two inventors in Finland and originally published in Great Britain. Apple refilled it in March 2011. The new credit system architecture is a separate wing of Apple's originating iWallet architecture and deals with a subsidization program that works with sponsors and advertisers. If a consumer doesn't chose a subsidized iPhone, then the credits earned for working with advertisers and sponsors could be used to purchase Apple products and/or services. Last week we learned that Research in Motion's BlackBerry will be the first smartphone in Canada to offer consumers a viable mobile wallet system this fall. With that aggressive schedule in play, you have to wonder how far behind Apple's iWallet really is now.