A transponder-reader payment system includes a RFID reader for
interrogating a transponder, and a fob including a transponder which is
associated with fob data file funded by one or more funding sources. In
exemplary operation, the fob identifying information may be presented to
the RFID reader for completion of a transaction request. The transaction
request may be provided to a fob issuer system which may process the
transaction request in accordance with a funding protocol wherein the
transaction request is satisfied according to a fob issuer predefined
funding criteria relative to the multiple funding sources.