> You could make an app that pretends to be a payment terminal so you hold your phone near someone else's and trick them into paying you as they try to unlock t

> You could make an app that pretends to be a payment terminal so you hold your phone near someone else's and trick them into paying you as they try to unlock their phone with TouchID. So? You can already do that. You can put an NFC shell around your phone which connects with bluetooth and that is being done already. You can touch an Android phone or anything else. Same story.