A method of operating a self-service checkout terminal includes the step of generating an item-entered control signal when an item code associated with a item for purchase is entered into the self-service checkout terminal by a user. The method also includes the step of entering a record corresponding to the item for purchase in a transaction table in response to generation of the item-entered control signal. The method yet further includes the step of determining an identification code associated with an RF label imbedded in a user identification device of the user and generating a label-detected control signal in response thereto. In addition, the method includes the step of retrieving payment information included in a user profile associated with the user in response to generation of the label-detected control signal. Yet further, the method includes the step of retrieving retail history information included in the user profile associated with the user in response to generation of the label-detected control signal. Moreover, the method includes the step of performing a user-specific retail function based on the retail history information of the user profile. A self-service checkout terminal is also disclosed
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