A method, a user terminal and a system for performing a NFC operation by a NFC equipped user terminal. According to a method a common application residing in a secure element of the user terminal can be authenticated by receiving, in the common application, an authentication request message including identification information on at least service provider of the NFC reader. Based on the identification information authentication related data on a service provider of NFC service is retrieved from a database. Furthermore, a data request message is received from the NFC reader. The data is retrieved, on the basis of identification information on at least service provider of the NFC reader and identification information for data, from the database residing in the secure element of the user terminal. The data requested is delivered to the NFC reader.