Rob Clyde - photoMobile payments can make the payment process for consumers much more convenient, eliminating the need to carry or pull out a physical credit card. Consumers can register their credit and debit cards (often simply by using the camera on their phone) into a secure wallet. This wallet may be stored in the cloud, on the device or both. People can then pay for items by simply putting their phone or smart watch near the payment terminal. Consumers can execute online purchases or payments by authenticating themselves on the mobile device to the online mobile payment system (without divulging actual card numbers).