A system , comprising: 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: detect that an application residing on a mobile device is issuing an authentication request; determine that the mobile device is unable to communicate with a remote authentication server that is capable of handling the authentication request; and send, in response to a determination that the mobile device is unable to communicate with the remote authentication server, the authentication request to a secure applet that resides locally on the mobile device, wherein the application that is issuing the authentication request is a software program from a third party developer and the secure applet is a portion of a software program from a payment provider different than the third party developer; and wherein the mobile device contains a normal world that operates in a non-secure operating system and a secure world different from the normal world having a lower level of security than the secure world, said secure world operating in a secure operating system that is isolated from the non-secure operating system, said normal world and said secure world being implemented on a single electronic chip ; wherein the application resides in the normal world and the secure applet resides in the secure world. 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: detect that an application residing on a mobile device is issuing an authentication request; determine that the mobile device is unable to communicate with a remote authentication server that is capable of handling the authentication request; and send, in response to a determination that the mobile device is unable to communicate with the remote authentication server, the authentication request to a secure applet that resides locally on the mobile device, detect that an application residing on a mobile device is issuing an authentication request; determine that the mobile device is unable to communicate with a remote authentication server that is capable of handling the authentication request; and send, in response to a determination that the mobile device is unable to communicate with the remote authentication server, the authentication request to a secure applet that resides locally on the mobile device, wherein the application that is issuing the authentication request is a software program from a third party developer and the secure applet is a portion of a software program from a payment provider different than the third party developer; and wherein the mobile device contains a normal world that operates in a non-secure operating system and a secure world different from the normal world having a lower level of security than the secure world, said secure world operating in a secure operating system that is isolated from the non-secure operating system, said normal world and said secure world being implemented on a single electronic chip ; wherein the application resides in the normal world and the secure applet resides in the secure world. <EOS>