I run a payments company that is seeking to simplify access to payments enabling anyone with a mobile phone to receive and pay anyone else with a mobile phone. The wallet should be accessible via a web app that triggers NSDT to authenticate value being transferred from the source device to the destination device. A user would open the page, indicate the amount to be sent. The destination device would either dial a number or open it's own web app page and push the receive button. When ready to receive, the sending device user would key in a pin (for amounts above a threshold set) and the device would produce the encrypted sound. The transaction completes with value moving from the source device to the destination device.
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