Patent ID: 8914876

Claim:
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 in a manner such that communications between the non-secure operating system and the secure operating system are conducted through a monitor module that serves as a gateway between the secure operating system and the non-secure operating system, 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 application is a software program from a third party developer or a software program from a payment provider; and the secure applets are a portion of the software program from the payment provider.