Visa's new person-to-person payment system: Sounds great for consumers, but banks may not like it.

Consider a common problem: You go out to dinner with some friends. When the bill comes, no one has enough cash, so you decide to split the tab on your cards. The restaurant reasonably declines to divvy up the bill six ways, so you enter the inevitable five-minute end-of-meal tango?dividing, adding, negotiating, avoiding offense. Does anyone already owe anyone else money? Whose card should it go on? Who would pay back whom? The meal ends with the tab on a single card and a byzantine set of handshake agreements.

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