Patent ID: 9659290
Date: 2017-05-23
CPC Classifications: G06Q,G07F

Claim:
1. A method comprising: detecting, by a host system, a presence of a personal portable device; initiating, at the host system, a financial transaction session with the personal portable device; responsive to the act of initiating, sending, by the host system, an activation signal to the personal portable device to initiate a financial transaction; responsive to the activation signal received from the host system, transitioning, by the personal portable device, from an inactive mode to an active mode in a normal power state; while the personal portable device is in the active mode in the normal power state, receiving, at the personal portable device, biometric information collected by the host device; comparing the received biometric information to biometric information stored at the personal portable device; selecting, at the personal portable device, a financial account using account information stored at the personal portable device, the account information representing a plurality of financial accounts; authenticating, at the personal portable device, a user of the personal portable device based on security information received at the personal portable device; and wirelessly transmitting information identifying the selected financial account for reception by the host system to conduct the financial transaction in response to the received biometric information matching the biometric information stored on the personal portable device and the security information received at the personal portable device authenticating the user of the personal portable device.