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Google payment patent?

Why has Google engineer Ramy Dodin applied for a patent that is for payment processing? As per his patent application for:

“A computer-implemented method of effectuating an electronic on-line payment includes receiving at a computer server system a text message from a payor containing a payment request representing a payment amount sent by a payor device operating independently of the computer server system, determining a payment amount associated with the text message and debiting a payor account for an amount corresponding to the amount of the payment request, and crediting an account of a payee that is independent of the computer server system.”

All very interesting – need to keep an eye out for a Google product that uses this.

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