A method for providing secure element partitions for an NFC enabled device for a plurality of card issuers, the method comprising: providing a secure element partition manager, a secure element partition loader, and a secure element partition cryptographic module in a secure element access application programming interface of the NFC enabled device, wherein the secure element partition manager functions to identify and select the secure partition allocated to a specific card issuer, the secure element partition loader functions to update, replace or load executable code and data into a selected secure element partition, and the secure element partition cryptographic module functions to ensure authorized access to access rules and control data loaded into an access rule application master ARA-M of the secure element partition of a selected card issuer; partitioning a secure element of a memory of the NFC enabled device into a plurality of secure element partitions; allocating said secure element partitions of the secure element to the respective card issuers; and providing in the secure element for a plurality of the secure element partitions respectively one or more application security domains; wherein the secure element partitions include respectively an access rule application master ARA-M each having access rules and control data of the respective card issuer and a unique smart-card security table of random keys generated by the respective card issuer to protect that card issuer's NFC cards, and the one or more application security domains corresponding to a respective secure element partition include respectively an application, an access rule application client ARA-C having a set of access rules and control data and an application register containing identities of the card issuers that share the application with the card issuer to whom the respective secure element partition is allocated. providing a secure element partition manager, a secure element partition loader, and a secure element partition cryptographic module in a secure element access application programming interface of the NFC enabled device, wherein the secure element partition manager functions to identify and select the secure partition allocated to a specific card issuer, the secure element partition loader functions to update, replace or load executable code and data into a selected secure element partition, and the secure element partition cryptographic module functions to ensure authorized access to access rules and control data loaded into an access rule application master ARA-M of the secure element partition of a selected card issuer; partitioning a secure element of a memory of the NFC enabled device into a plurality of secure element partitions; allocating said secure element partitions of the secure element to the respective card issuers; and providing in the secure element for a plurality of the secure element partitions respectively one or more application security domains; wherein the secure element partitions include respectively an access rule application master ARA-M each having access rules and control data of the respective card issuer and a unique smart-card security table of random keys generated by the respective card issuer to protect that card issuer's NFC cards, and the one or more application security domains corresponding to a respective secure element partition include respectively an application, an access rule application client ARA-C having a set of access rules and control data and an application register containing identities of the card issuers that share the application with the card issuer to whom the respective secure element partition is allocated.