Software for use with cell phones, tablets, mobile devices, and handheld devices for performing electronic payment, electronic banking, storage of credit, debit and gift card information, electronic ticketing, electronic couponing, electronic person-to-person (P2P) payments, online stock trading, mobile value added services, and loyalty card functions; software for over-the-air and over-the-wire provisioning of applications to mobile devices and handheld devices by means of wireless and wired...