A system, comprising: an electronic chip implemented on a mobile electronic device, wherein the electronic chip includes: a computer memory storage component configured to store computer programming instructions; and a computer processor component operatively coupled to the computer memory storage component, wherein the computer processor component is configured to run a secure operating system and a non-secure operating system in parallel on the same electronic chip, wherein the secure and non-secure operating systems are isolated from each other, and wherein the computer processor component is configured to execute code to perform the following operations: receiving an authentication request from an application that is run by the non-secure operating system, wherein the authentication request contains credentials of the application; communicating with a secure applet that is run by the secure operating system, and wherein the communicating includes transferring the credentials of the application to the secure applet; and authenticating or vetting the application based on the credentials of the application, wherein the instructions for the authenticating or the vetting include instructions for authenticating or vetting the application without accessing a remote server; wherein: the secure applets are a portion of a software program from a payment provider; and the application is a software program from a third party developer or a portion of the software program from the payment provider. an electronic chip implemented on a mobile electronic device, wherein the electronic chip includes: a computer memory storage component configured to store computer programming instructions; and a computer processor component operatively coupled to the computer memory storage component, wherein the computer processor component is configured to run a secure operating system and a non-secure operating system in parallel on the same electronic chip, wherein the secure and non-secure operating systems are isolated from each other, and wherein the computer processor component is configured to execute code to perform the following operations: receiving an authentication request from an application that is run by the non-secure operating system, wherein the authentication request contains credentials of the application; communicating with a secure applet that is run by the secure operating system, and wherein the communicating includes transferring the credentials of the application to the secure applet; and authenticating or vetting the application based on the credentials of the application, wherein the instructions for the authenticating or the vetting include instructions for authenticating or vetting the application without accessing a remote server; wherein: the secure applets are a portion of a software program from a payment provider; and the application is a software program from a third party developer or a portion of the software program from the payment provider. a computer memory storage component configured to store computer programming instructions; and a computer processor component operatively coupled to the computer memory storage component, wherein the computer processor component is configured to run a secure operating system and a non-secure operating system in parallel on the same electronic chip, wherein the secure and non-secure operating systems are isolated from each other, and wherein the computer processor component is configured to execute code to perform the following operations: receiving an authentication request from an application that is run by the non-secure operating system, wherein the authentication request contains credentials of the application; communicating with a secure applet that is run by the secure operating system, and wherein the communicating includes transferring the credentials of the application to the secure applet; and authenticating or vetting the application based on the credentials of the application, wherein the instructions for the authenticating or the vetting include instructions for authenticating or vetting the application without accessing a remote server; wherein: the secure applets are a portion of a software program from a payment provider; and the application is a software program from a third party developer or a portion of the software program from the payment provider. receiving an authentication request from an application that is run by the non-secure operating system, wherein the authentication request contains credentials of the application; communicating with a secure applet that is run by the secure operating system, and wherein the communicating includes transferring the credentials of the application to the secure applet; and authenticating or vetting the application based on the credentials of the application, wherein the instructions for the authenticating or the vetting include instructions for authenticating or vetting the application without accessing a remote server; wherein: the secure applets are a portion of a software program from a payment provider; and the application is a software program from a third party developer or a portion of the software program from the payment provider. the secure applets are a portion of a software program from a payment provider; and the application is a software program from a third party developer or a portion of the software program from the payment provider.