Patent ID: 7500616

Claim:
A Radio Frequency (RF) payment device configured to communicate with an RF Identification (RFID) reader, the RF payment device comprising: an RF transponder configured to receive a customer payment device authentication code from the RFID reader; a unique customer payment device identification code; a unique customer payment device encryption key corresponding to the unique customer payment device identification code; a customer payment device account code; a fingerprint sensor configured to detect a proffered fingerprint sample to create fingerprint sample data; and a customer payment device authentication circuit configured to use the unique customer payment device encryption key to encrypt the customer payment device authentication code, wherein the customer payment device authentication circuit is further 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 fingerprint sample data matching authenticated fingerprint sample data.