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In this Jan. 17, 2012 photo, a person tries a smartphone loaded with Google Wallet at the National Retail Federation in New York. Google is teaming up with three major U.S. wireless carriers in an effort to prod more people into using its mobile wallet and undercut the rapid success of Apple's rival payment service. (AP Photo/Mark Lennihan, File)

In this Jan. 17, 2012 photo, a person tries a smartphone loaded with Google Wallet at the National Retail Federation in New York. Google is teaming up with three major U.S. wireless carriers in an effort to prod more people into using its mobile wallet and undercut the rapid success of Apple's rival payment service. (AP Photo/Mark Lennihan, File)

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