This is prior art: https://play.google.com/store/apps/details?id=de.schildbach.wallet https://play.google.com/store/apps/details?id=de.schildbach.... You're se

This is prior art: https://play.google.com/store/apps/details?id=de.schildbach.wallet https://play.google.com/store/apps/details?id=de.schildbach.... You're sending money to your mobile phone and it's stored there via the downloaded block chain.