A diner eats with a group of friends and splits the check by sending a QR code out to his party — each of whom can automatically pay their portion of the bill with the tap of their phones. That same diner can use that very same app to buy movie tickets after dinner — and then hail a cab home at the end of the night.

That’s not all, either. The same single app lets him create a pair of custom Nikes, send an order to the nearest Starbucks, browse Burberry’s latest runway collection, count the number of steps he takes each day,…

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