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Mobile phones have become essential part of everybodypsilas daily life. Efforts have been made to add more features into the mobile devices. Contact less payment is another dimension that adds value to mobile phones. In contact less payment through mobile device, user is able to pay using his mobile device without touching or swiping card on a reading device. In this paper, we present an idea to equip mobile devices with RFID-enabled SIM (subscriber identity module) card to carry out money transfer. RFID-enabled SIM is a special SIM card that includes RFID (radio frequency identification) chip in the SIM casing. We propose an architecture to integrate RFID and normal SIM features into a single specialized RFID-enabled SIM. This specialized SIM can be used for normal phone applications as well as contact less payment. RFID enables the mobile user to be identified by the RFID reader and SIM stores the payment information. We discuss various scenarios in which RFID-enabled SIM can be used for different applications. This mode of payment provides freedom, flexibility, mobility and security to the customer.