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NYT1 - (NYT1) SANTA CLARA, Ca. -- Jan. 9, 2005 -- CELLPHONE-CREDIT-CARD A demonstration at ViVOtech headquarters in Santa Clara, Calif., Jan. 6, 2005, in which a Near Field Communication (NFC) enabled cell phone is waved passed a ViVOtech reader device, which automatically initiates the payment process and captures an electronic receipt. By embedding in the cellphone a computer chip or other type of memory device, a phone can double as a credit card. (Peter DaSilva/The New York Times)

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