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Point for consideration: If NFC does all that everyone is looking to do, no phone is going to be in a promiscuous mode always looking for tags and transponders--there's going to be some measure of activation on the user's part.  (Otherwise, I might as well tape money to my back and just allow folks to yank it off without me seeing them.)  The only step I see gained here would be getting the QR code lined up properly for the camera to read it; everything else comes down to the implementation of the phone.  Clearly, a phone that had a hardware button for NFC reading could do it faster than a phone that had to load an app for it...but then, iOS 5 is about to add in a use-the-camera-while-locked mode. What if Apple adds in QR reading to their camera app?  Advantage removed.