An apparatus and method provides non-repudiation of transaction information such as mark up language forms, using a non-proxy cryptographic application, such as an applet, that provides information to and from the Web browser. A single element has a flat field distribution that couples with the uniform current injection in a contact region. The method further includes forming a non-metal protective structure over the sidewalls of the conductive pillar, wherein the non-metal protective structure contacts the surface region of the UBM layer, and the non-metal protective structure exposes the sidewalls of the UBM layer.