It’s an app called Card Case, and it’s made by Square, the brilliant payments company founded by Twitter inventor Jack Dorsey. Because Card Case runs on your phone, it may sound at first like the same clunky, phone-and-pay-pad systems being peddled by other firms. But Card Case doesn’t let you pay with your phone; it lets you pay with your name. With this app, you go into a store, choose what you want to buy, and then tell the cashier your name. That’s it—you’ve just paid. You don’t have to pull out your phone, you don’t have to open the app, you don’t have to sign, swipe, or wait for change. As long as your phone is on your person while you’re in the store—in your pocket or your purse—Card Case can authorize your payment without you having to do a thing.