This holiday season many retailers are introducing experimental payment technology — but will shoppers, stressed and desperate, find benefit in these experiences or stick to methods they know?

Target Corp., known as a technological innovator, is trying to get consumers to use quick-response (QR) bar codes to order products online while they're standing in the store's aisles. The retailer labels its top 20 toys with QR codes customers scan with the cameras in their phones. The items are then shipped anywhere in the U.S. for free.

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