07312707 is referenced by 75 patents and cites 456 patents.

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.

Title
System and method for authenticating a RF transaction using a transaction account routing number
Application Number
10/905006
Publication Number
7312707 (B1)
Application Date
December 9, 2004
Publication Date
December 25, 2007
Inventor
Peter D Saunders
Salt Lake City
UT, US
Fred Bishop
Glendale
AZ, US
Agent
Fitzpatrick Cella Harper & Scinto
Assignee
American Express Travel Related Services Company
NY, US
IPC
G08B 13/14
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