I had the idea today for there to be a moto mod that can receive a secure debit, credit, and tap money transfers. It would have a chip reader, mag stripe reader and NFC compatibility. With this mod, one could receive debit and credit payments through tap chip or stripe. Phones could be formatted for businesses and could be used as menus and instead of flagging down a waiter they could pay on the spot with the phone. Or could be used for businesses run at home. If someone would be able to partner with me online to develop this as I am not good at building electronics.