This overlooked new Apple Patent: 0150199725, has embodiments that will forever change payments and advertising. 
http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO2&Sect2=HITOFF&p=1&u=%2Fnetahtml%2FPTO%2Fsearch-bool.html&r=1&f=G&l=50&co1=AND&d=PG01&s1=14%2F667472&OS=14/667472&RS=14/667472 …
@jameswester James, not pessary. It is all about pre existing relationships between merchants and consumers. Quite brilliant.