WalMart steps closer to banker bot.

Yahoo: Wal-Mart Stores Inc. is planning to offer its own way for shoppers to pay with their smartphones in its stores, setting itself up as a competitor to Apple Inc. and other companies that already have rolled out mobile-payment technologies.

The retail behemoth is adding a feature to its existing mobile app so consumers can pay at the register with any payment information stored in their Walmart.com account, including gift cards, debit cards or credit cards. The retailer plans to release the payment capability to its 4,600 U.S. stores in the first half of next year, company executives said on Wednesday.

The new system makers WalMart your banker for WalMart points.  What does WalMart need to make this work?  A savings and loan probability graph where WalMart customers can see the futre,present and past value of WalMart discount points.  WalMart needs to extend the points to their suppliers so the complete solution to smooth inventory flow is achieved.  The tamper proof SmartCard drops all the transactions costs to nearly zero.