An electric field personal seat communication protocol within an inductive charging supporting near field communication (NFC) chipset is positioned in respective portions of a vehicle and a personal communications device. Such a chipset can then be utilized to support safety and security applications including the reduction of driver distraction due to cellular phone use at inappropriate times, improved security of vehicle based wireless network based on occupancy detection (E-field sensor 20) and secondary BAN between the seat sensor and NFC enabled devices held/possessed by the occupant. Alternatively, the E-field sensor function could be integrated directly into an NFC chipset that supports the PSC E-field communication protocol.