Patent ID: 7814332

Claim:
A Radio Frequency (RF) payment device comprising: an RF transponder configured to receive a device authentication code from an RF Identification (RFID) reader, wherein the device authentication code is configured to facilitate authentication of the RF payment device; a unique device encryption key corresponding to a device identification code associated with the RF payment device; a voiceprint sensor configured to detect a proffered voiceprint sample to create proffered voiceprint sample data; and a device authentication circuit configured to use the unique device encryption key to encrypt the device authentication code and a device account code associated with the RF payment device to create an encrypted device authentication code and an encrypted device account code; wherein the RF transponder of the RF payment device is configured to transmit a transaction request comprising: the proffered voiceprint sample data, the device identification code associated with the RF payment device, the encrypted device authentication code associated with the RF payment device, and the encrypted device account code to the RFID reader.