[wwilim]

In Poland, we have this wonderful system called BLIK. You provide nothing except a single-use 6-digit code, then you confirm the payment in your bank's mobile app. It works in online payments, physical stores and ATMs, it supports bank transfers using just a phone number, and recently it's been upgraded to support contactless payments as well https://en.wikipedia.org/wiki/Blik

[whizzter]

Sounds a lot like Swish in Sweden (and I think Vipps in Norway). It basically started as a user to user system that works by tying a persons phone-number so you can send momey to anyone you have a phone-number for.

Quite quickly this system was adopted by small companies before it was made official and they quickly introduced a user to company variation, a tad costly but the ease of just scanning a QR-code to pay has made it a hit (The QR code always has a recipient, optionally with a sum and infotext also I think).

[bluedino]

It's odd that confirmation systems like you mention are almost never used in the US for ordering. Seems like that would solve the problem of delivery drivers stealing your food or iPhone.

[boring_twenties]

So, you can't pay if you don't have your phone on you, or it's not charged, or the network connection is spotty?