Questions:

Can MicroSignet be added to existing smart-phones--is it software?

OR, yes, once refined

Must it be burned into a chip and used to build a smart-phone--is it firmware?

not burned but the chip is read, then micro-istructions are encripted within its programming.

Could a secure smart-phone be used to pay bills replacing credit cards?

yes

Can't understand why Google, Apple, even Microsoft wouldn't jump on this security!

If PN/crew can prove it works they will

Thanks for any thoughts.

IMO The initial chip will need to be signitured by using a MicroSignit software based firmware peripheral which contains the coded algorithms from the MS-patents that formulate the fingerprint. From there, instruction can be installed utilizing additional encription that will pass this key onto/between other devices.

aimho

emit...