So you pull out your smartphone, activate your mobile wallet app and tap the mobile payment terminal. Your payment is automatically deducted from your checking account, and you instantly receive a confirmation text message. At home you get a check in the mail. Take a snapshot of the check and you can then deposit it into your bank account with your bank’s smartphone app. Now that you have money in your account, go ahead and use the Zappos app to buy that pair of shoes you have had your eye on. These transactions and much more are possible with mobile commerce technologies.