Saw this today: Visa approves wireless payment chip ? The Register Basically adding the ability to pay with you phone by adding a microSD card. Might work for the Incredible. Would be nice to know if there is also some storage space on there. Just think of the security methods you could have on a smartphone; not just a PIN, but also passwords, color combinations, shapes, even some sort of signature matching. For online payments it could generate a one-use password. All this would make it useless for a crook to have it or your numbers. Until someone finds a security flaw of course.