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