"GPay could end up as an exclusive GPhone offering, one that gives Google the jump over other mobile operators by enabling mobile payments natively from the handset.
Mobile payment systems aren’t new; I can pay for parking locally via mobile phone now, however what Google is suggesting in the patent is something that is far broader, and perhaps more importantly independent of mobile phone carriers and their billing systems. Google competitor PayPal currently offers their own mobile payments system, but despite launching in March it hasn’t set the world on fire; Google on the other hand would have the advantage of embedding GPay in the GPhone."
