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