Of course, we have them now. Voice, e-mail, and application platforms at the palm of our hand. What next? Motorola is starting to plan for it. Its venture-capital arm made an investment in contactless and mobile-phone payment technology company ViVOtech, Inc. ViVOtech's tech lets users pay for goods and serivces using RF-enabled credit and debit cards. Just when you think you got the hang of your phone, it turns into your pocket book.

