A RF-ID based wireless terminal has shortened session set-up and user identification time for conducting transactions with interactive service applications. The wireless terminal includes a terminal identification number and a user identification as a RF-ID tag. A RF-ID reader transmits a RF field for detecting the RF-ID tag in the terminal and provides an output signal when the terminal is within the reader field. The output signal establishes a connectionless communication to an access point or other terminal which initiates a wireless paging operation, in lieu of conducting a terminal discovery process, based upon the content of the RF-ID tag. The terminal initiates a wireless session between the terminal and the access point or terminal for conducting transactions with a service application linked to the access point or terminal.