In January, Starbucks announced that customers could start using their phones to buy coffee in 6,800 of its states. This is the first pay by phone practice in the U.S., but were likely to see more witeless payment alternatives as something called ucar field communcation(NFC)GETS IN TO Americas consumet electanies. Last Deccmbet some new smart phanes which cantain an NFC chip were introduced to the midlit.

　　Already in use in part of Asia and Europe, NFCtheir plan a few incees live a payment tetminal a one a few ptaht need to be worked out, like who will get to collect the profitable trunsacian(交易)fees. Although some credit card providers have been experimenting with wave and pay systems that use NFC enabled credit cards, cellphone service providers truay try to mused their way into the point of sale (POS)market. Three big gellphone service providers have formed a joinf tenture(合资企业)that will go into opention over the next i15 months. Its goal isto lead the U.S. payments industry from cards to mobile phone.

　　The other big NFC sue, apart from how paymeats will be processed, is security, For instance, whats to stop a thief from digitally pickpocketing you? Were still not at the point where an attacker can just brush against yee in a crowd and steal all the money out of your phone,says Jimmy Shah. A mobile security rescarcher, Usera may also be able to set transaction timeits,requiring a password to be enteced for larger putchases.

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