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At Starbucks' (Nasdaq: SBUX) annual meeting yesterday, CEO Howard Schultz announced that 3 million customers have used the Starbucks Card Mobile app for iPhone and BlackBerry.

Welcome to a new era where your phone also serves as your wallet. In December, ABI Research estimated that smartphone-led commerce resulted in $3.4 billion in purchases during 2010. Impressed? Google (Nasdaq: GOOG) sees us spending even more, soon.

The Big G is reportedly working on a deal with VeriFone (NYSE: PAY) to create Android-ready payment terminals for phone shoppers. Handsets would need near-field communications technology to make this work, but with NFC specialist NXP Semiconductors (Nasdaq: NXPI) already supplying Android-compatible chipsets, that's not likely to be a problem.

Now it's your turn to weigh in. Are you among the caffeinated crew already using the Starbucks Card Mobile app? Do you plan to use more mobile commerce apps when they become available? Please vote in the poll below, then leave a comment to explain your thinking. You can also rate Starbucks in Motley Fool CAPS and keep tabs on the company by adding the stock to your Watchlist for free, personalized stock tracking.