Bloomberg is reporting that AT&T, T-Mobile USA, and Verizon Wireless are in talks to bring cellphone based payments to the States. Bloomberg cited, “three people with direct knowledge of the plan,” when they wrote that the three wireless vendors “may work with Discover Financial Services and Barclays Plc to test a system at stores in Atlanta and three other U.S. cities that would let a consumer pay with the contactless wave of a smartphone.” Currently, Visa and MasterCard handle 82% of consumer credit card spending; a $2.45 trillion business. The reported system would see payments processed by Discover’s network (currently the fourth largest credit card network in the U.S.) and Barclays would be the bank managing the accounts. The contactless cellphone payment system is already in use in Japan and the United Kingdom. What do you think? Do you see value in a service like this, or is it more inclined to just creep you out?