A mobile information apparatus for making mobile payments associated with a credit card or bank card, via a near distance radio frequency wireless communication, is herein disclosed and enabled. At least part of payment information and part of a device identification number associated with the mobile information apparatus are stored in the mobile information apparatus with an encryption technique. To make a payment, a user moves the mobile information apparatus to within a limited local physical distance from a wireless output controller. The user authorizes the payment by providing, via an interface, an input such as a password, a pin code, a button, biometrics or an ID number. Subsequent to the user authorization, the mobile information apparatus releases the payment information and the device identification number, over a short range radio frequency communication link, directly from the mobile information apparatus to the wireless output controller for payment and transaction processing.