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