A little story.
1996 I left Europay talking about the mobile wallet. www.andreae.com/presentation/My_Card_Imagination/My_cards_designed_by_me.htm Unfortunately the Wayback machine archives stuff and fifteen years ago is a long time. In 2010 the presentation wasstill out there.
From then we jump forward ten years to 2006 ..\presentation\My Wallet 2.pdf.
The dream, build a business concept to reduce my pockets to a 5 card brick, Secure Element and touch screen on the front, ePaper screen on the back High definition 3D camera, fingerprint scanner, .... equipped with QR, BLE, NFC, WiFi and 3G/4G and now 5G to communicate credentials, digital signatures and stuff with the merchant, issuer, government, social media platfrom whom ever we have a digital relationship with. Next steps.
I apologize, what I just hoped to show you was the origin and Prior Art to protect the open concept of a mobile wallet capable of carrying all our cards, receipts, coupons .... when I first found the archive all the pictures where gone or renamed. Today everything has disappeared, probably on some storage media in some cave somewhere out there.