{TAIL ~ A method} for authenticating {HEAD ~ a financial transaction} at a point of sale includes storing an application program in a first secure element of a mobile phone 
{ TAIL ~ A method } for authenticating { HEAD ~ a financial transaction } at a point of sale includes storing an application program in a first secure element of a mobile phone
TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH