As of Tuesday, the US Paten and Trademark Office has approved Apple’s patent on a planned mobile payment service. This opens the door for Apple in the mobile commerce industry. The service would function similar to a centralized banking system where credit card statements would be sent directly to iTunes accounts. This service will also allow for parents to set specific restrictions on their children’s purchases for example only permitting transactions for food instead of clothes. On the downside, Harris Interactive, a marketing research firm discovered that most Americans don’t actually use their Smartphones for scanning their mobile devices for a movie, airline ticket, or a purchase. According to this study, 63 percent of American Smartphone users don’t feel comfortable using their mobile devices to house their credit card information. This is a obstacle for Apple to overcome. But with their high popularity among their products this could be something that sparks a lot of interest for users.