I wouldn't personally implement a rule like that because I think bending bullets is ridiculous; you're talking more about guided missile like qualities than a bullet at this point. There's also the fact that "guided" ammunition already exists in Gun H(e)aven 2 for SR5, and it's called Deathdealer (TM) Ammunition MKI.
The rounds are described much like what you're trying to accomplish, "the first self-guided small-arms ammunition"; however, it carries a hefty price tag of 450¥ per 10 rounds and is avail 16 (in SR4 stats).
Personally, I think there are too many requirements for this to work, and it's going to have to cost too much for it to be realistically viable. If you're close enough to get an RFID tag on the person anyway, why would you need or want to then disengage to take the shot?
That being said, the idea of it is neat if you're into that kind of thing; I'm curious about your advice, though, do you intend to create a rule for the hardness of the material you try to ricochet off of, or is that just fluff?
You'd need to stat up the software and ammunition for me to provide comments on that, but this to my mind should be highly experimental and illegal as hell.