This article, with an ALLCAPS title, answers Frequently Asked Questions about the the Contactless Communication API (Java Specification Request no. 257) Reference Implementation Software Development Kit.

Learn about what it is, what you can and can't do with it, and how to work with it.
What is the JSR 257 RI SDK?A software development kit released by Nokia, only eight days after the Final Release of the
Contactless Communication API, that enables software developers to write their own NFC applications in Java, without the need for an
extra, proprietary SDK from Nokia.
When more NFC phones, built according to these specifications, will be produced, your NFC MIDlets will also run on these phones.
The SDK comes with a big bunch of documentation. Some very intriguing features such as Bluetooth configuration and NFC Peer communication are listed in the docs, but appear to be missing from the implementation.
I figure that Nokia already has the actual implementation for these things, but that they are still in beta testing phase, or awaiting the NFC Forum's official release.
What can I do with it?You can write NFC MIDlets that will run on both the physical 6131 NFC phone (as soon as you get your hands on that) and on the emulator supplied with the SDK.
You can do everything that's written in the NFC Forum specs about NFC tags. You can write Plain text records, URI records, and Smart Poster records to them in order to make your environment fully touchable.
What can I not do with it?You can't, yet, develop applications for communication between two NFC peers.
Which makes sense, since the specs haven't yet been released by the NFC Forum.
How do I work with it?If you have developed applications with a Nokia SDK before, you'll probably have all the required software installed. If you're new to development on Nokia platforms, please take a look at the Installation Instructions document that comes with the package.
The SDK comes with precompiled sample applications that can be run in an emulator. If you want to run them on your 6131 NFC, you'll have to recompile them for physical use.
You can ofcourse edit the sample applications' text files manually and then invoke ant at build time, but I'd suggest you first
import the projects into NetBeans before you start developing, which will save you a lot of time.