JMT_V2_N1_RP4 A. Saranya S. Vishnupriya S. Sathyapriya B. Pradeepa N. Rajganesh Journal on Mobile Applications and Technologies 2394-0239 2 1 32 39 Virtual Card, Secure Element, Near Field Communication (NFC) People continuously try to improve their quality of life with respect to modern trends. Payment method using physical credit card is usual and it is not comfortable to undertake all the time. Modern technology computerizes everything and reduces the usage cost with the maximum user satisfaction. For the sophisticated use of credit card, there is a need to computerize it in our smartphones using Near Field Communication (NFC). The NFC is a new secure short-range wireless connectivity technology, which can play an important role on this kind of issue. It uses a secure element, and hence it stores the data in a secure manner. NFC technology can store multiple virtual credit cards in the secure element, and prevents skimming, and loss of credit card. In this paper, an android application which performs credit card transaction between the NFC enabled devices [Mobile–credit card machine] have been demonstrated. It enable the users to securely store their multiple virtual credit card and allows to perform transaction with NFC enabled POS terminal. February - April 2015 Copyright © 2015 i-manager publications. All rights reserved. i-manager Publications http://www.imanagerpublications.com/Article.aspx?ArticleId=3754