A mobile telephone apparatus is disclosed having antenna means for receiving telecommunications signals representative of voice; interactive display means for displaying graphical indicia and receiving manual inputs; RFID antenna means for receiving an RFID signal indicative of a payment transaction; storage means for storing payment information for an outgoing RFID signal for transmission through said RFID antenna means. Said payment information is stored in said storage means from a payment card means, said payment information was extracted from said payment card means by said RFID antenna means when said payment card means was within the proximity of said mobile telephone apparatus, and said payment information extracted from said payment card means is stored in said storage means. The mobile telephone has processor means for providing instructions to said storage means, wherein said processor processes said received RFID signal, said processor determines that said payment information is to be communicated through said RFID antenna, and said processor causes said RFID antenna to complete said payment transaction by sending said outgoing RFID signal through said RFID antenna.