You check in and strap a timing chip on your ankle.

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While most of the financial activity that now takes place on smartphones involves people engaging in transactions with their bank, the credit-card industry has spent millions of dollars to issue new plastic with the contact-less chip that speeds the check-out process.

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Electronic funds might double check themselves against a blacklist before they move from one chip to another.

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Check out the description of this business book, Switch, by Chip and Dan Heath.

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To be sure, entrepreneurs who want to chip in a few bucks toward health care can just cut their employees a check.

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The designers have also incorporated a Bluetooth chip, enabling the patches to connect wirelessly to the Internet and download information such as weather reports and check whether you've packed an umbrella if rain is forecasted.

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