there are no new ideas in business. Only new people who find a new way of same old. Authentication and partitioning approvals has been around since the 1970s. The cycle of 'new ideas' is not new to people deep in the industry web of payments. Lots of cuteness, and claims, but---- delivering a profitable solution is all that matters. Profit can include avoiding expense. I saw this particular mobile in Portland in 2006. It worked too and was proven.