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Earlier this month, when we looked at the future of mobile technologies from an academic’s perspective, one of the predictions that stood out was that phone companies looking to encourage mobile micropayments using their handsets would be well advised to team up with a solid financial institution first.

Japan’s legions of small northwest coastal towns are famed for their patchworks of rice paddies and garlands of snow-capped mountains that offer some of the region’s best skiing, but only one is home to a research lab devoted to understanding how we interact with our mobile phones.

It may have an unwieldy name but the Slate DT FeliCa from a consortium of firms in Japan could just be the key to getting the vast swathes of analogue holdouts online and into the brave new world of the internet.

Spending money can hardly get any easier than this – a new online shopping service in Japan allows shoppers to buy music CDs simply by taking a photograph of them with a cameraphone and to pay for them on credit by keying a PIN into the very same mobile phone.