cMoney Inc (CMEY)

[cmey-hopeso]

MobilePayUSA getting ready to bring POS payments without NFC in Q4 2011

Looks like Cmoney has some competition that also does not use NFC.
http://www.intomobile.com/2011/06/30/mobilepayusa-getting-ready-bring-pos-payments-without-nfc-q4-2011/

http://www.mobilepayusa.com/

"Here’s the best part: this doesn’t require merchants to install any new equipment. There is no need for NFC (near field communication) a mobile payment technology (which is non-existent in the U.S.). This all works behind the scenes with existing services. All the consumer needs to do is download the app and enter their cards."
http://techcrunch.com/2010/09/28/mobilepayusa/

"This all is just the tip of the Iceberg! Our solutions are Patent-Pending. We expect to launch to market by September 27th, 2010."
http://www.crunchbase.com/company/mobilepayusa

Who has the better patents (pending)?