I believe the only reason that Apple (and the 4S) doesn't have NFC is that all the negotiations haven't been worked out yet. The technology is there and Apple has the know-how to make it a great user experience, but neither Apple nor Google live in a bubble. They need carrier support for NFC to work. Otherwise, they won't let NFC phones on their network. And don't forget Visa, Mastercard, et al. They want in on the action too.