[wgren]

NFC can be used for more things than just payments. You could get your monthly bus card sent to your phone instead of needing to carry a separate card. When entering the subway/bus/traingates, put your phone near the reader.

Since it works offline, it can also be of value to businesses. For instance, if you have a secure service station, you could send the rights to open the door lock to a technicians phone over the air, and set the credentials to be valid for a limited time (say a day).