A mobile information apparatus that includes a secure element for making mobile payments associated with a credit card or bank card, via a near distance radio frequency wireless communication unit, is herein disclosed and enabled. A receiver front end provides programable attenuation and a programable gain low noise amplifier. Instead, the mechanism first extracts the content from the data structures. The communication between the local client and the remote client is established when the remote client confirms the remote client identification code and the password.