NFC enabled mobile phones are equipped with SE combined with NFC infrastructure like readers and POS terminals. The actors in the NFC infrastructure are the pre requisites but not sufficient for the use of NFC payments. There has to be a secure way to download, install, personalize, upgrade and delete an application in SE without the need to go to the service provider or mobile operator stores. TSM solution provide means of managing the NFC service life cycle OTA by using built upon and emphasizes the role an importance in NFC ecosystem. Mobile device needs to have a trusted Execution environment a place where sensitive data can be stored in secure fashion. It is a piece of hardware called as SE.