RFID payment system

A non-transitory, machine-readable medium comprising a plurality of machine-readable instructions that, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:

• associating a first RFID identifier of a first physical RFID device with a payer account in a database;
• associating a second RFID identifier of a second physical RFID device with the first RFID identifier in the payer account in the database;
• receiving a purchase type and an associated spending gate definition for the first RFID identifier over a network, wherein the spending gate definition is associated with at least one of a plurality of funding sources of the payer account;
• associating the purchase type and associated spending gate definition with the first RFID identifier in the database;
• receiving a payment request for a purchase using the second RFID identifier over the network;
• determining that the second RFID identifier is associated with the first RFID identifier and, in response, determining that the payment request includes the purchase type for the first RFID identifier;
• and
• processing a payment using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type.

A Radio Frequency Identification (RFID) payment system, comprising:

• at least one non-transitory, computer readable medium storing a payer account;
• at least one processing system that is coupled to the at least one non-transitory, computer readable medium and that is configured to execute instructions that are stored on the at least one non-transitory, computer readable medium to perform the steps of:
• associating a first RFID identifier of a first physical RFID with the payer account in the at least one non-transitory, computer readable medium;
• associating a second RFID identifier of a second physical RFID with the first RFID identifier in the payer account in the at least one non-transitory, computer readable medium;
• receiving a purchase type and an associated spending gate definition for the first RFID identifier, wherein the spending gate definition is associated with at least one of a plurality of funding sources of the payer account;
• associating the purchase type and associated spending gate definition with the first RFID identifier in the at least one non-transitory, computer readable medium;
• receiving a payment request for a purchase using the first RFID identifier;
• determining that the second RFID identifier is associated with the first RFID identifier in the at least one non-transitory, computer readable medium and, in response, determining that the payment request includes the purchase type for the first RFID identifier;
• and
• making a payment using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type.