Cell Phone Payment Systems

I envision two types of payment schemes:

1. Via text messages such as announced by PayPal and eBay: http://www.ecommercetimes.com/story/49559.html

2. Touch-less (so-called) or near field..a scheme that permits the cellphone to be
placed in proximity to a merchants receiver to initiate a transaction: http://www.engadget.com/2006/02/08/motorola-m-wallet-cellphone-payment-system-coming-to-us/