Hi,

> Thanks for the series of fascinating posts and NFCTagInfo (I just
> installed it today!).

:-)

> There's still a few things that are unclear to me about why card
> emulation isn't possible. I realize that applets within the secure
> element can't be modified without the vendor crypto key, but what is
> preventing a company or a (determined) developer from emulating the
> applet outside of the secure element?

At the moment: There is no support for software card emulation in the
standard Android system. You should be able to do this with CyanogenMod
9(? don't know exactly which in version the necessary patches were
included, but the patches exist).

Also when you emulate the smartcard in software on the application
processor, you won't have the security of a dedicated smartcard chip of
course. For more information on this issue, you might be interested in
my recent paper "Software Card Emulation in NFC-enabled Mobile Phones:
Great Advantage or Security Nightmare?" Available online:
http://www.medien.ifi.lmu.de/iwssi2012/papers/iwssi-spmu2012-roland.pdf

> Is this how the SuicaMobile android application works? It was written by
> the company itself, but since it works with stock android, it doesn't
> have access to the WRITE_SECURE_SETTINGS permission.

I didn't find any app by that name on Play Store.

br,
Michael

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