Radio frequency identification purchase transactions

A method of adding value into an account of a user with a specific provider of goods or services, the value being redeemable with one or more providers, including the specific provider, the account having an associated account number, the method facilitated by a radio frequency identification (RFID) enabled device and a point-of-sale (POS), the device comprising an RFID tag and being associated with the account and the POS being RFID enabled, the method comprising:

• a. receiving at a central processor from the POS a redemption request requesting that a value amount be added to the account, the redemption request being received from the device by the POS through RFID communications and comprising:
• i. the value amount selected by the user of the device;
• and
• ii. information identifying the device;
• b. determining at the central processor the specific provider and the account number based on information identifying the device received in the redemption request;
• c. causing by the central processor the value amount to be added into the account.