CHICAGO--(BUSINESS WIRE)--Heartland Payment Systems, Inc. (NYSE:HPY):   What: The Next Step for Mobile Wallets: General-Purpose Platforms   Heartland Chairman and CEO Robert O. Carr believes better collaboration on open technology platforms, which allows different players to build mobile payment applications more easily, is the key to breaking out of the competitive logjam for mobile wallet developers.   Mobile wallets are the latest technology in the payments industry, but if the wallet is not