Patent ID: 8554689

Claim:
A method for authenticating a financial transaction, the method comprising: storing credentials of a user in a first secure element (SE) of a data communication device of the user, the credentials including user biometric authentication data and data for authenticating financial transactions of the user by a trusted service manager (TSM); and storing an application program in a second SE of device separate from the first SE, wherein the first SE is operable in response to a request from the application program to verify the user's identity from a biometric trait of the user input to the device, generate data authenticating the financial transaction by the TSM upon verifying the user's identity, and transmit the authenticating data to the second SE; and the application program is operable when invoked by the user to prompt the user to input the biometric trait into the device, request verification of the biometric trait and authentication of the financial transaction by the TSM from the first SE, and generate transaction instruction codes to effect and authenticate the financial transaction by the TSM upon receipt of the authenticating data from the first SE.