Was just watching saving private Ryan (Great movie, If you have not seen it I suggest you do) when a master card commercial came on. The commercial was about their new NCF program that they are doing. At first it showed one of their credit cards been waved over the receiver then it switched to the Nexus S. I think that people will start to inquire more about having their phones being able to do this. I think apple may follow suite with the next iPhone. They should not wait an entire year just to implement this.