Yor second idea has merit, a bluetooth interface for taking remote readings from supply meters such as electricity,gas and water without the need to enter the premises. Taking the idea one stage further why not build a cell phone into the consumer meter? Eliminate the need for a card interface in the case of pre-paid users, readings can be made without human intervention and in the case of payment default or emergency, services may be shut off remotely, either by the supplier or a third party/device. For example during a fire or earhquake..