Patent ID: 7506818

Claim:
A Radio Frequency (RF) customer payment device comprising: an RF transponder configured to receive a customer payment device authentication code from an RF Identification (RFID) reader; a database comprising a unique customer payment device identification code, a unique customer payment device encryption key corresponding to the unique customer payment device identification code, and a customer payment device account code; a biometric sensor configured to detect a proffered biometric sample to create biometric sample data; and a customer payment device authentication circuit to communicate with the database, wherein the customer payment device authentication circuit is configured to use the unique customer payment device encryption key to encrypt the customer payment device authentication code and is configured to use the unique customer payment device encryption key to encrypt the customer payment device account code; wherein the RF transponder is configured to transmit at least one of the encrypted customer payment device authentication code or the encrypted customer payment device account code to the RFID reader, and wherein the customer payment device authentication circuit is configured to be enabled in response to the biometric sample data matching authenticated biometric sample data.