Visa Inc., which has tested a patchwork of mobile payment services in recent years, has started an initiative aimed at expanding its transfer capabilities.

The San Francisco company said Thursday that it will partner with U.S. Bancorp to test a person-to-person service that can link any type of Visa credit or debit card. It also said it is collaborating with Google Inc. and Nokia Corp. to incorporate payment capabilities into the next generation of smart phones.

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