OPEN SYSTEM ACCOUNT REMOTE VALIDATION FOR ACCESS
First Claim
1. A method comprising:
- reading data at a point of service (POS) terminal in a transit system, wherein;
a payment device is presented to a transit system reader by a rider seeking access to a facility of the transit system; and
the data;
is read from the payment device issued by an issuer in a payment processing system; and
includes at least an identifier of an account associated with the issuer of the payment device;
addressing a communication including the identifier of the account to a remote system from the POS terminal that is not in communication with the issuer;
receiving, in response to the communication with the remote system, information as to whether the access is valid based upon the identifier of the account; and
permitting, when the received information contains a validation of the access based upon the identifier of the account, the rider access to the facility of the transit system.
1 Assignment
0 Petitions
Accused Products
Abstract
At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, where each rider seeks access into a facility of the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. For each such access, a communication including the account is addressed to a network address of a system remote from the payment processing system and remote from each of POS terminals. A response to the communication is received that includes information as to the validation of the access based upon the account being on a list keep by remote system. When the received information contains the validation of the access, the rider is permitted access to the facility of the transit system and the payment device is unchanged for the fare of the access to the facility of the transit system.
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Citations
28 Claims
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1. A method comprising:
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reading data at a point of service (POS) terminal in a transit system, wherein; a payment device is presented to a transit system reader by a rider seeking access to a facility of the transit system; and the data; is read from the payment device issued by an issuer in a payment processing system; and includes at least an identifier of an account associated with the issuer of the payment device; addressing a communication including the identifier of the account to a remote system from the POS terminal that is not in communication with the issuer; receiving, in response to the communication with the remote system, information as to whether the access is valid based upon the identifier of the account; and permitting, when the received information contains a validation of the access based upon the identifier of the account, the rider access to the facility of the transit system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. In a transit system having a plurality of Point of Service (POS) terminals each reading data from a data storage region of a payment device presented by respective riders each seeking to conduct an access transaction for access to a facility of the transit system, wherein the payment device is issued by an issuer in a payment processing system and contains data including an identifier for an account issued by the issuer, a method for each said access transaction comprising:
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receiving, via a network in communication with each said POS terminal, the identifier for the account issued by the issuer and read by the POS terminal; checking at least one list, remote from each of the POS terminal, to determine if the identifier for the account is on the at least one list; and addressing a communication for transmission over the network to the POS terminal, wherein the communication includes information as to the validation of the access transaction on the basis of the checking. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A method comprising:
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receiving a plurality of requests for validation from a plurality of Point of Service (POS) terminals for a transit system, wherein each of the requests is for an access transaction for access to a facility of the transit system using an identifier for an account stored in a payment device issued by an issuer in a payment processing system; and addressing communications to respective one of the POS terminals, wherein each of the communications is in response to a corresponding one of the requests and includes a validation status of the account for the access transaction as determined by the presence of the identifier for the account on a list maintained remote from any of issuer and remote from any of the POS terminals. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28)
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Specification