FILE - In this Jan. 17, 2012 file photo, a person tries a smartphone loaded with Google Wallet at the National Retail Federation in New York. Google’s answer to the Apple Pay mobile-payment service is debuting in the U.S., marking a do-over by the company behind the world’s most-used operating system for smartphones. Android Pay will be similar to Apple Pay, except it works on Android phones rather than Apple’s iPhones. Google Wallet, the company’s first attempt in mobile payments, flopped because it didn’t have a big enough network of compatible devices and wireless carriers willing to work with it. (AP Photo/Mark Lennihan)