Here are a some companies to watch in Cloud consumer payment systems:
They provide their own authentication protection schemes that add security to your on-line identity and financial transactions- hopefully.
Just don’t forget, they need to get paid for their products – one way or another. In Dwolla’s business model the traditional credit card “charge” is eliminated. In the others, the bank or merchant pays the fees and then passes them on to you. Or you can pay to subscribe.
This whole space – including the related NFC (near field communication) – using your smartphone to purchase items in vending machines, etc. – is going to be churning as various players compete to win the gold!