RFID (Radio Frequency Identification Device) integrated into user-wearable devices. Specifically any and all applications of microcircuits, whether read-only or read-write, passive or active, integrated into articles for personal wear or carried or worn on the owner's body, i.e., bracelets, wristbands, pendants, belts, etc., which have memory capabilities with on-board data processing, i.e. smart capabilities, including payment of travel fares, prepaid telephone credits, Internet transactions...