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Yea, sadly your clipper card has a secret key that you can't access.

I would really like to know on which devices the host emulation API will be available at all.

Most Android devices with NFC will probably support the API assuming they are running or are upgraded to KitKat.

Edit: including link to source: http://developer.android.com/about/versions/kitkat.html#44-h...

"Support for HCE is already widely available on most NFC controllers, which offer dynamic support for both HCE and SE transactions. Android 4.4 devices that support NFC will include Tap & Pay for easy payments using HCE."

The best you can do is read the info, https://play.google.com/store/apps/details?id=com.codebutler...

I doubt it. You'd have to know the update strategy, as well as the key. Theoretically it's impossible to get the secret out of the device(though in actuality, I doubt that is true).

Looks like both my work card and NFC operate at HF - 13.56 MHz so the technology is there. I would love some tips on software though