Since way before the iPhone was a gleam in Steve Jobs's eye, back when the Motorola RAZR was the mobile phone du jour, financial institutions, mobile handset makers and carriers have dreamed of turning your cellphone into a mobile wallet, to use your smartphone the same way you use a credit or debit card. Finally, this year we may finally reach this near field communication (NFC) nirvana, of simply waving our smartphone over a retail payment terminal instead of a credit or debit card to pay for our copiously consumed commodities. There's only one problem. Using your smartphone as a credit or debit card replacement may be more trouble than it's worth.