The sales pitch behind many mobile payment systems is convenience, but some companies are learning that when a payment system becomes too convenient, the backlash can last for years.

Apple Inc. is seeking approval on a settlement in a class action with parents who downloaded free mobile games for their kids — and found that in doing so, they authorized those free games to make charges to their iTunes accounts. It's a problem Apple has faced since at least 2010, and it's one that bears scrutiny as more mobile commerce systems come to market.

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