Don't plan on being able to use that NFC chip for anything except pay for stuff. Apple announced that the chip and API will be locked exclusively to Apple Pay for at least 1 year. So no using NFC tags to automatically alter settings on your phone. No using NFC to pair your phone to anything. No transferring data from on device to another. Kinda sucks, but I understand that Apple wants to be extra cautious with this tech, since it is used in conjunction with Touch ID and personal CC data.