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Well OK - then Amazon, tap-to-buy a CD from a bus shelter in the street. This launches the Amazon app on tap and takes the user to the Amazon one click buy function. This will not work with QR codes, awful consumer journey; but with NFC gives a digital retailer a physical presence.

I think NFC would be very useful on iPhone - forget payments, it's all about consumer engagement...that could lead to sales and therefore payments. It's opt-in, so much more usable that QR codes and it allows brands/retailers to have a one-to-one connection with the consumer. It also drives m-commerce transactions. Retailers are having a tough enough time at the moment. NFC-enabling the high street, posters, beer fonts, bus shelters turns all this infrastructure into another (digital) shop front for physical retailers...they might even be able to compete with their digital competitors! 

Tap-to-pay by iTunes - bring it on!