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