Google Pay Transactions - Feature Exploration Concept

I happen to use Google Pay regularly, It does the job decently but I felt that there is a room for some useful features like a wallet, a list of the transaction and a financial track of YTD, this can be the part of the app. This is the starting point of this exploration.
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Feature: Secure & Faster Transactions.
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Secure transactions will happen if people would not have to share their card details to every merchant they associate with, using Google Pay Card their encrypted ID's would be the part of the transaction.

Faster transactions will happen because a typical card payment cycle involves a request for OTP verification via SMS. Despite all your effort towards data security, someone might be able to read your SMS. unlike that consider a scenario where you are not sharing any information with anyone, and you have a quick payment via wallet.
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This exploration is part of the project of my learning project called mobileUI where I am trying to explore multiple quick design projects before completing one big project.
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mobileUI - A Collection of Mobile UI Concepts