A mobile information apparatus for making mobile payments associated with a credit card, via a near distance radio frequency wireless communication unit, is herein disclosed and enabled. At least part of the payment information is stored in the mobile information apparatus with an encryption technique. To make a payment, the user approximates the mobile information apparatus to within a limited local physical distance of a wireless output controller, and the biometrics of the user is obtained by the mobile information apparatus as a security measure. The user authorizes the payment by using an interface on the mobile information apparatus, and subsequent to having received the biometric authentication and user authorization, the mobile information apparatus releases the payment information that includes encrypted data associated with a transaction over a short range radio frequency communication link to the wireless output controller for payment and transaction processing.