Great work! It helped me very much. My current goal - to download into the 
Secure Element a cardlet, which can securely manage MIFARE part and 
communicate with our own TSM through an additional application in a phone. 
But this possibility, that can be used even in old Nokia 3220 with NFC 
cover, seems to be blocked in new Android platforms.

Additional information (how I understand it):

-          Google wallet is Mastercard PayPass payment application;

-          Document that defines the requirements for UICCs intended to 
host a payment system’s mobile payment application within mobile consumer 
device are called “EMVProfiles of Global Platform UICC 
Configuration<http://www.emvco.com/specifications.aspx?id=22>”. 
It can be free downloaded. It can be useful for understanding architecture 
of infrastructure that used by Google to download and manage Google Wallet. 
Also there is second interesting document “EMV Contactless Mobile Payment - 
Application Activation User Interface”.

-          The document with may describe a target state of secure element 
it the phone (how I think) is Global Platform UICC Configuration 
v1.0.1<http://www.globalplatform.org/specificationscard.asp>. 
But it cost about 1.5K and it is silly to download the document that can’t 
help you download your applet in NFC phone.

Resume: Joe doesn’t share food! Google wants to use single-handedly new 
business possibilities which are given to us by new technologies. Nick 
Pelly: “*So we did not put card emulation APIs in Gingerbread because we 
want to make sure that we have a compelling user story before we do that. 
And we really think that peer-to-peer is the way to go for future NFC uses.*”, 
“*There are a bunch of different reasons. Again, the secure element is a 
very limited resource. It can't hold a large amount of data in there. And 
if we open it up to any third-party application, there's going to be a huge 
resource contention over the secure element.*”.

P.S.: Please correct me if I'm wrong.

P.P.S.: Sorry for my English.

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