iPhone 5 with NFC - Contradictions in the Rumor Mill

Is the iPhone 5, the bag using the built-in NFC chip can replace? The Apple rumor this topic seems to be one of the most important points for the next generation iPhone will be established.

Was thinking of early speculation iPhone 5 still believe that Apple's next generation NFC (Near Field Communication) chips donated to leave your cell phone with active pay to be able to gossip world is some