PORTABLE COMPUTERIZED WIRELESS PAYMENT APPARATUS AND METHODS

A mobile user apparatus and associated methods useful for conducting and enabling payment transactions wirelessly, such as at point-of-sale locations. In one embodiment, the mobile user apparatus is a cellular-enabled mobile device that includes a short-range radio frequency device that communicates with a point of sale apparatus, including information relating to an account of the user of the mobile apparatus that is to be charged for the payment. In one variant, the information stored on the mobile device is further configured to receive transaction data wirelessly in return. In another variant, user biometric data is used to authenticate the transaction.