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This article presents the WOLF (Wallet Open Library Framework) platform which supports an original interface for NFC developers called "SE-QL". SE-QL is a SQLlike interface which eases and optimizes NFC secure application development in making the heterogeneity of the Secure Element (SE) transparent. SE implementation could be "embedded" (eSE) in the mobile device, or inside the SIM Card (UICC), or "onhost" software-based, or in the Cloud (e.g. through HCE); every SE implementation has its owndoi:10.14569/ijacsa.2014.050804 fatcat:vq5lvzavm5ejdjax4gx43kvk5q