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