Patent ID: 8548927

Claim:
A method, comprising: storing, by a portable radio frequency (RF) device, a first and second biometric sample data in a database; associating the first biometric sample data with a first account having a first account value that is accessible via the portable RF device; associating the second biometric sample data with a second account having a second account value that is accessible via the portable RF device; authenticating, by the portable RF device, an RF Identification (RFID) reader by providing an authentication code to the RFID reader and receiving an encrypted code from the RFID reader corresponding to the authentication code; decrypting, by the portable RF device, the encrypted code with a key prior to determining that the encrypted code corresponds to the authentication code; receiving, by the portable RF device, a biometric sample; comparing, by the portable RF device, the biometric sample with the first and second biometric sample data stored in the database; determining, by the portable RF device, which accounts of the first and second account to assess a transaction value against based on the comparison; and receiving, at the RFID reader, a transaction request associated with the portable RF device, in response to the authentication of the portable RF device and the RFID reader, wherein the transaction request comprises the determined account.