Android and Symbian Nfc Mobile Development Questions and Answers (Faq)

stages for developing NFC applications

You can install the Open NFC Add-on to eclipse:
http://open-nfc.org/wp/editions/android/

To develop and Android Application use the NFC API:
http://developer.android.com/guide/topics/nfc/index.html

NFC card emulation Android

We are all a little bit lost about NFC Card Emulation in Android. Google and manufacturers are being a little bit too secretive about it. Engineers in charge of the API are IMHO playing a smokescreen game. They claim about the lack of interest in card emulation and they difficulties developers could face, but the fact is that they want to keep the hen of the golden egss for themselves for the time being.

No one knows a thing about SGII SWP capabilities. All are rumors. The same happens with Nexus S, which faces several problems. Obviously though applications could access embedded SE it would be worthless, since keys are expected to be kept secret by Google. The only way to go is the hope in SWP connectivity between UICC and NFC controller. Theoretically it is possible, and it has supposedly demostrated by Dr. Madlmayr at last MWC. However I am a bit skeptical about his success taking into consideration that without the manufacturer's cooperation, regarding baseband firmware support on SNS or SGSII, sending APDUs to the UICC, that seems not yet supported, card emulation through UICC is a lost war.

NFC payment demo with Samsung Nexus

Payment is mostly impossible since you don't have the keys for the JavaCard card manager, better forget about it. Additionally, to write a Visa, etc compatible payment applet, you
need access to their specs, which means signing NDAs, paying money, etc.

Apparently the Mifare chip has stock keys, so you can modify it. So if you have a reader, and a device (door, etc.) that uses Mifare cards, you might be able to get it work. The thread also mentions that you might be able to clone your transport card. But:

you need to build your own firmware and flash it on a rooted phone
you may need to port the patches to whatever is the current GB version (2.3.7) or use exactly the same (old) tag
You need to do a lot more reading :)

NFC mobile payments standards?

sure there are standards - see EMV (Europay, Mastercard, Visa). It is necessary for world wide interoperability of the payments systems, which uses the chip (aka secure element), no matter they are contact or contactless (i.e. NFC).

EMV specifies used hardware, protocols, file structures and used commands, data authentication, PIN ciphering, key management. It is pretty complicated.

I think you can start here: http://en.wikipedia.org/wiki/EMV

Regards,

STeN

www.mautilus.com

Android NFC card emulation / use phone as card

It's possible in Android KitKat 4.4.
Check out this link, more information will be added soon I belive.

http://developer.android.com/guide/topics/connectivity/nfc/hce.html