The problem is trying to remember exactly what I did... haha....
I pulled the libs from this thread:
And pushed them to my note.
Changed build.prop to Galaxy Nexus
Then I installed R81 and added account and attempted to add card 3-4 times. Failed everytime.
On the last try it added the cards, but when I tried to select a card it told me I had to reset the wallet app. I noticed before I did this that it had already loaded secure element applet 2.0 (progress!!)
Reset the app but then it wouldn't let me add my account back.
Deleted everything from /data/data relating to the wallet app, deleted the app from /system/app and rebooted and cleared cache.
Reinstalled wallet but used R87 instead of R81. Added my account and cards with no problem. Controller applet still showed version 2.0
Went to CVS to test. The reader activated the wallet app, and told me it sent the payment but the cashier said nothing happened as far as a card number being transmissed.
Went across the street to Rite Aid to try again and their reader wouldn't even register with my phone.
That's where I am now.