System and method for authenticating a RF transaction using a transaction account routing number
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United States of America Patent
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Dec 25, 2007
Issued Date -
N/A
app pub date -
Dec 9, 2004
filing date -
Jul 10, 2001
priority date (Note) -
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status (Latency Note)
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Abstract
A system and method for securing a Radio Frequency (RF) transaction using a Radio Frequency Identification (RFID) transaction device are provided. A random number is transmitted from an RFID reader to an RFID transaction device, an RFID transaction device authentication tag is created in the RFID transaction device, using at least the random number, a routing number associated with a transaction account, and a stored counter value. The RFID transaction device authentication tag is transmitted to the RFID reader, the stored counter value in the RFID transaction device is incremented, and a transaction request for verification, which comprises the RFID transaction device authentication tag and the stored counter value, is transmitted and processed. Either the RFID transaction device authentication tag or the stored counter value, or both, are verified.
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