Phone App for online banking

Now, I don't know if this has already been inacted, but can't we use the technology we have in this day and age to allow for programming that can be utilized, either on your phone or computer that enables, such things as a cashiers check to be created and sent to thru the internet? 

Now, it doesn't have to actually be a check but rather an encrypted "Credit" to a business, family member etc. that has a code that can be auto deposited into the receivers banking system.  

If we can tap at Starbucks, or other such places and auto pay on our phone it occurs to me we could create the same accesability for deposits, cashiers, checks, payouts etc.

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