This document discusses several mobile payment technologies that allow users to pay for items using their mobile devices, including using near field communication to pay with virtual credit cards stored on a phone and mobile apps that let users access bank accounts, pay bills, and transfer funds. It also describes how location-based services and marketing can provide users with local information and targeted offers based on their location. Mobile-to-mobile payment systems like Barclays' Pingit app are highlighted, which allow users to send money between bank accounts securely from their phones.