Providing on-line non-downloadable software that enables NFC (near field communication) handsets to accept electronic payment from a mobile device using credit and debit cards, pre-paid, gift and loyalty cards and transit cards, enable ticketing automation by which event tickets and transit tickets can be delivered over-the-air (OTA) or over an IP network to a NFC and/or secured element handset and the ability to allow a NFC handset to act as a proxy for transit cards or event tickets, receive personalized loyalty and customer relationship management (CRM) programs, receive targeted marketing promotions, coupons, rewards and offers, perform person-to-person proximity payments, be used as a thin point-of-sale client device for electronic payment acceptance, be used as a personalized shopping assistance tool, and be used as a customer acquisition tool