There are now lots of different mobile payment technologies from all sorts of companies, but they all seem to have different ways of verifying who customers are.

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There will be subscription services, plus some advertising, and various ways of paying on pay-per-view or micro payment basis.

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Buying a ticket now is the equivalent of a down payment, Boyd says, as airlines look for ways to charge passengers for everything from water to luggage.

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Getting big banks to come on board and consumers to turn the service into a mainstay sums up the broader challenge faced by Saunders and Visa: find ways to make the best payment options work around the world and dominate the future of electronic payments, or leave the dominating to rivals.

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In some ways, it will be less difficult with the integration of gold into the financial system already through electronic payment systems.

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