{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 
includes storing
{ 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
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