Finland’s Nokia has always dreamed of the day when mobile users will be able to treat their mobile phones like credit cards, authorizing transactions in stores (or at vending machines() using their mobile phones, then having the charges who up on their carrier bill or be taken out of a pre-paid account. However, so far these so-called near-field transactions have failed to take off in the mobile industry, with consumers instead conducting mobile commerce with their smartphones in much the same way they would use a Web browser on a computer.
