Method And System For Using Contactless Payment Cards In A Transit System
First Claim
1. A method for automated fare collection in a transit system, the method comprising:
- using an RFID-enabled card reader coupled to a terminal controller to read a contactless payment card presented by a customer to gain access to gated pay areas of the transit system;
evaluating the read contactless payment card against a file having list of cards and accordingly granting or denying the customer access to gated pay areas of the transit system;
preparing and communicating a card transaction record to a transit payment platform; and
then at the transit payment platform, processing the card transaction record so that the transit system can automatically collect a fare for the customer granted access to the transit system pay area.
1 Assignment
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Accused Products
Abstract
An automatic fare collection solution for a transit system exploits the use of smart payment cards (e.g., MasterCard'"'"'s PayPass cards) by the commercial payment card industry. The smart payment cards that are issued by commercial card issuers and banks to customers conform to a common or open industry standard such as the ISO 14443 standard for contactless payment cards. A cardholder seeking access to transit services presents his or her smart card to an RFID-enabled card reader at a transit system entrance. The cardholder is granted quick access unless his or her smart card is list of “hot” cards (i.e., lost or stolen, expired or delinquent cards). A card transaction record is prepared and communicated from the card reader to a transit payment platform. The transit payment platform is linked by conventional payment-by-card electronic networks to card issuers and banks for authorization, clearing and settlement of the card transaction.
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Citations
23 Claims
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1. A method for automated fare collection in a transit system, the method comprising:
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using an RFID-enabled card reader coupled to a terminal controller to read a contactless payment card presented by a customer to gain access to gated pay areas of the transit system; evaluating the read contactless payment card against a file having list of cards and accordingly granting or denying the customer access to gated pay areas of the transit system; preparing and communicating a card transaction record to a transit payment platform; and then at the transit payment platform, processing the card transaction record so that the transit system can automatically collect a fare for the customer granted access to the transit system pay area. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system for automated fare collection in a transit system for collecting fares from a customer presenting an RFID-enabled smart card issued by a commercial card issuer to access a transit system pay area, the system comprising:
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a transit payment platform; an RFID-enabled card reader disposed at gate leading to the transit system pay area, the card reader configured to contactlessly read the smart card presented by the customer; a terminal controller interfaced with the card reader, the terminal controller and the card reader configured to accept or reject the smart card read by the card reader against a file having list of cards and to accordingly grant or deny access to the customer through the gate, and further configured to generate and communicate a card transaction record to the transit payment platform; wherein the transit payment platform is configured to process the card transaction record so that the transit system can automatically collect a fare the customer granted access to the transit system pay area. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23)
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Specification