In reply to Dave X.

Have you seen Paydiant demo their vending machine that uses dynamic QR codes to pay? They had it at the PYMNTS event earlier this year. It was pretty cool. Probably not as easy to implement as the NFC readers though, you're right. They had an ATM that worked without a card, too. I don't remember what technology it used though, I was mesmerized by the vending machine.