Abstract: Near field Communication (NFC) technology provides many possibilities in consumer application domain other than just payment applications as it provides characteristics such as contactless communication and exchange of information between devices. But it has some limitations and restriction on data storage and security. To overcome these limitations a combination of CLOUD as SaaS services and secure element can be used. This paper describes how the combination of ‘Software as a Service’ feature of Cloud technology and Secure Elements (SIM cards) can be used to overcome these limitations.