with the embodiment of 123 and in another embodiment at 124 the pos transaction manager uses a key that is registered to the consumer to decrypt the encrypted information at 130 the pos transaction manager completes the transaction on behalf of the consumer and the retailer based on the information and transaction details for the transaction according to an embodiment at 131 the pos transaction manager sends receipt details back to the mobile device to display on completion of the transaction for viewing by the consumer and or for storage by the consumer fig2 is a diagram of another method 200 for credit card processing according to an example embodiment the method 200 hereinafter u201c mobile transaction app u201d is implemented as instruction and programmed within memory and or a non transitory computer readable processor readable storage medium that executes on one or more processors of a handheld device the processors of the handheld device are specifically configured to execute the mobile transaction app the mobile transaction app is operational over a network the network is wired wireless or a combination of wired and wireless whereas the pos transaction manager the fig1 above describes processing associated with credit card transaction processing from one or more devices controlled by or accessible to a retailer the mobile transaction app describes processing associated with credit card transactions from the perspective of a consumer 39 s mobile device that interacts with the retailer 39 s devices pos devices at 210 the mobile transaction app recognizes a wireless connection request from a payment.