Windows Phone 8 NFC capabilities - software based card emulation

Jun 4, 2013 at 1:48 PM
I'm trying to figure out if it is possible to emulate a Mifare credential in a Nokia Lumia 920 using software.

The basic idea is to avoid having to go through an MNO to get a credential onto a SIM/UICC. The credential would be based on Mifare EV1 using a diversified key unique to a particular phone. The reader/system authenticating the phone has some additional keying material not available to the phone in order to authenticate the data stored on the device allowing for a reasonable level of security.

I understand the security reasons for the credential on the SIM but I believe I am taking care of the major risks with measures implemented in the larger system. Does anyone know if it is possible (or will be possible) to use software to emulate a card?

Step 1: Mifare AES128 authentication
Step 2: Transfer data

The reader is an NFC passive initiator.