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NFC is one of the latest wireless communication technologies, making possible variety of business opportunities. The current paper presents a generalized approach for NFC application development, where the Mobile Network Operators (MNOs), as well as service providers can make their own application and run it in the proposed common environment. We have developed the prototype of an application framework based on the generalized approach that provides not only the opportunity to create a new skin for the already existing application, but also makes possible rapid implementation of any kind of the business logic and the user interface. Further benefit of the application framework is that the technological details are hidden from the service application developers thus they can focus only on the proper implementation of the business logic and the user interface. The use of the environment has been demonstrated on a concrete application.