Method of and system for enabling a payment transaction to be conducted in a linked, integrated, interchangeable payment system (LIIPS) including a passageway payment system using an RFID sticker linked to payment devices

A computer-implemented method of enabling a payment transaction to be conducted in a linked, integrated, interchangeable payment system including a passageway payment system using, as a primary payment device, a radio-frequency identification (RFID) sticker secured to a vehicle, the RFID sticker having an antenna and an RFID circuitry coupled to the antenna, the method comprising the steps of:

• linking, by at least one first computer system maintained in at least one financial institution, the RFID sticker to a plurality of payment devices by matching and storing in the memory system of the at least one first computer system an RFID sticker identifier associated with the RFID sticker and a payment device identifier associated with each payment device of the plurality of payment devices;
• referencing, by the at least one first computer system, the RFID sticker identifier to one or more electronic payment accounts held at the at least one first computer system and associated with the each payment device;
• arranging, by the at least one first computer system, the payment accounts to be enabled for use in the payment transaction in a priority order if there are two or more of the payment accounts;
• causing, by the at least one first computer system, the each payment account to be enabled or disabled for use in the payment transaction;
• interrogating, by an RFID interrogator connected to a second computer system maintained in the passageway payment system, the RFID circuitry through the antenna and when the vehicle moves into the periphery of the RFID interrogator;
• acquiring, by the second computer system, the RFID sticker identifier through the interrogated RFID circuitry;
• and
• extracting, by the second computer system, from the acquired RFID sticker identifier payment account information associated with one of the enabled payment account according to the priority order and associated with one of the enabled payment devices.