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Google's point is valid? Oh please! If they decide to share their search patent with Bing then it will be valid.
2 years ago on Google Sends Letter To Senate Judiciary Committee, Claims Some Apple Patents Should Be Standard
I think you forgot a big reason, and that is the implementation that the OS and Device makers chose... The carriers would rather the Wallet be tied to a secured SIM card, not the device itself, and oddly enough, the is the way Microsoft is going to support NFC and Wallet. By tying the wallet to a Secure SIM card customers are free to choose the device they wish(as long as it has NFC). Microsoft already has the support of France Telecom-Orange, an aggressive supporter of NFC payments.
2 years ago on Who Ruined NFC Payments?