Subtract text from round shape for 3d printing

[Horia]

Second one looks good. Perhaps if you use lofting and extrude a larger text face to smaller text face and carry out the procedure in the second one to wrap the text then this will give you the bevel on the text you seek (if we are interpreting what you want correctly?).

Yes, something like that, but in the case of lofing there are no round edges, only straight lines from the larger text to the smaller text and the angle will be sharp. Tried this and ended up with a result similar to the first picture. The problem is that the apple hasn't got flat faces and any lofting text subtracted will look out of balance. This is like Chamfer.
What I need is a sort of Fillet (like in 123d Design) that can round an edge.
Here is how it looks in 123dDesign (and want to look in blender too), but unfortunately I can't apply any modification with STL's made in other programs that uses primarely meshing.