Patent ID: 7690577

Claim:
A method comprising: transmitting a customer payment device authentication code to a Radio Frequency (RF) customer payment device, wherein the RF customer payment device is activated upon verification of proffered biometric sample data; receiving, from the RF customer payment device, a customer payment device transaction request comprising transaction biometric sample data, an encrypted customer payment device authentication code, and a unique customer payment device identification code; decrypting the encrypted customer payment device authentication code using a unique customer payment device decryption key associated with the unique customer payment device identification code to create a decrypted customer payment device authentication code; and authenticating the RF customer payment device in response to the decrypted customer payment device authentication code matching the customer payment device authentication code and in response to the transaction biometric sample data matching registered biometric sample data, wherein the registered biometric sample data is associated with the RF customer payment device and is created in response to the verification of the proffered biometric sample data.