The credentials of the user are stored in a second SE of the phone, which is operable to verify the users identity from a biometric trait of the user input to the phone and to generate {HEAD ~ data} authenticating {TAIL ~ the financial transaction} in response to the verification of the users identity 
authenticating
The credentials of the user are stored in a second SE of the phone , which is operable to verify the users identity from a biometric trait of the user input to the phone and to generate { HEAD ~ data } authenticating { TAIL ~ the financial transaction } in response to the verification of the users identity
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