Some screen shots of Kitkat (Android 4.4) show a tap-and-pay setting. So far, tap-and-pay has been a non-starter, with in-fighting and non-compatibility among carriers. Now, it appears, Google has figured out how to do it without an embedded security chip, allowing ANY Android phone with NFC (near field communication) to have a form of tap-and-pay that is non-proprietary. I realize this brings up more questions than answers. Maybe we’ll find out in a couple days with the release of KitKat.