1. A system for facilitating a transaction between a merchant and a consumer comprising: a consumer interface and a settlement administrator; wherein said consumer interface is configured to emit a consumer identity signal configured to identify a consumer; wherein said settlement administrator is configured to receive said consumer identity signal and to receive an amount owing signal indicative of an amount owing from said consumer; and wherein said settlement administrator is further configured to facilitate one or more payments between an account of said merchant and an account of said consumer upon receipt of said consumer identity signal and said amount owing signal.