What would the killer app actually do?

I recently predicted in this column that whatever phone-type integration Facebook was cooking up would be a game-changer for the company. Boy was i wrong. Early reviews of whatever the heck it is that Facebook is debuting tomorrow suggest that, at the very least, an interface that replaces an interface and actually hurts functionality isn't going to be well-loved.

It got me to thinking, though. Given the current state of smartphone technology, just what type of accouterment would have to come with a new phone in order for it to truly qualify as game-changing? Yes, a bendable screen would be cool, but in terms of functionality -- eh. Functionally, what's the killer app? I assume that Samsung, Google, Apple, HTC and others have teams of smart people whose sole job it is to figure out what innovation would make life easier, simpler, more secure.?

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Since the United States still hasn't come to terms with scarcity of bandwidth, a lot of the good stuff that smart phones should do aren't able to be done. So maybe the killer app will have to wait a national broadband policy that truly lets everyone browse and download as much as they want. ?

Absent that, money. Commerce. With near-field chips in ubiquitous use and the credit industry infrastructure already in place, I wonder why rapid cashless commerce isn't being pursued aggressively by everyone. Maybe it is, and maybe I'm missing it. I know of pilot programs, like V.Me from Visa, which takes me halfway there. But there's no technological barrier i know of to a seamless experience that would let you use your smartphone, right now, to pay for parking at street spaces, at parking machines, to serve as a stand in for a credit card at Top Man, or whatever store you browsed this afternoon, to scan in IRS refund checks that you've received; to integrate sites like Mint.com with all of your activity instantly, so that you can protect yourself from fraud, and use your retina image or fingerprints to identify yourself, or a voice print to confirm it, or enter in a pin code that would authenticate a transaction. ?It can be seamless.?

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The technology is there. The individual apps are there. The backbone is there, even absent any significant broadband expansion. I think the company that figures out the corporate politics of getting everyone to work together and to use a common standard with common sense security mechanisms -- they're going to find that writing the software into the phone is relatively easy. And that's a phone I will want to buy.

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