In one embodiment, a method for authenticating a financial transaction at {TAIL ~ a point} of {HEAD ~ sale} includes storing an application program in a first secure element of a mobile phone equipped with a user biometric trait input device 
In one embodiment , a method for authenticating a financial transaction at { TAIL ~ a point } of { HEAD ~ sale } includes storing an application program in a first secure element of a mobile phone equipped with a user biometric trait input device
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