A method using a non-transitory processor for providing an application product including receiving an application profile, a key profile, a secure element (SE) profile, and a mobile terminal profile; establishing a link between the received profiles, in which the link is established for assembling the application product; and applying a limitation to the application product, in which the applied limitation determines whether the application product is accessible to a user. A method using a non-transitory processor for data preparation in a Trusted Service Manager (TSM) including receiving data from a service provider, in which the received data is in a Data Grouping Identifier (DGI) format or a raw data format; and processing the data using at least one of a logical data preparation and a physical data preparation.