For sure. It is far more important for the phone payments to have widespread adoption than improving security. I don't blame them for that. However it would be

For sure. It is far more important for the phone payments to have widespread adoption than improving security. I don't blame them for that. However it would be cool if they could start adding security features. I can imagine that your use case could be solved by signing to token such as "Up to $500 in the next 6h" or something. You could be promoted on your phone and approve it. In fact I would like the whole credit card system to be overhauled or replaced with a different system that gives consumers much more control over the access they give companies. Sure, some companies like online stores I might give full access like I do today as I plan to make many future purchases with different values, but I can also see a lot of uses for more restricted access like fixed monthly subscriptions and one time fixed-cost payments that don't give them access to charge me later.