FRAUD PREVENTION FOR TRANSIT FARE COLLECTION
First Claim
Patent Images
1. A portable consumer device comprising:
- application data for use in connection with transactions, the data having a predetermined data field configuration for use with a reader of an agency for processing a transaction that involves the portable consumer device;
at least one data file, wherein the configuration of the data file is determined by the issuer of the portable consumer device for use by the agency.
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Abstract
Processing an access transaction involves receiving application data from a portable consumer device at an agency reader for use in connection with a transaction, the application data having a predetermined data field configuration for processing the transaction by an issuer of the portable consumer device, and accessing at least one data file of the portable consumer device at the agency reader, wherein the configuration of the data file is determined by the issuer and stores agency data associated with use of the portable consumer device for the transaction.
196 Citations
26 Claims
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1. A portable consumer device comprising:
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application data for use in connection with transactions, the data having a predetermined data field configuration for use with a reader of an agency for processing a transaction that involves the portable consumer device; at least one data file, wherein the configuration of the data file is determined by the issuer of the portable consumer device for use by the agency. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method of processing an access transaction, the processing method comprising:
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receiving application data from a portable consumer device at an agency reader for use in connection with a transaction, the application data having a predetermined data field configuration for processing a transaction that involves the portable consumer device; accessing at least one data file of the portable consumer device at the agency reader, wherein the configuration of the data file is determined by the issuer and stores agency data associated with use of the portable consumer device for the transaction. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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Specification