TRANSIT AGENCY AS AN ISSUER AND/OR PROGRAM MANAGER OF PREPAID PRODUCTS
First Claim
1. A method of processing data initiated by a user, the method comprising:
- receiving transaction data from a portable consumer device presented by the user at a gate access device of an access agency for requested access wherein the portable consumer device is previously personalized to the user by an access agency central computer;
processing the transaction data from the gate access device and determining a fee amount at the access agency central computer for the requested access;
determining an account balance in accordance with the determined fee amount and determining a prior balance amount associated with the portable consumer device;
reconciling the determined account balance and account data associated with the portable consumer device at an access agency system computer and generating an authorization message from the access agency system computer to the access agency central computer if the access request is authorized by the access agency system computer.
2 Assignments
0 Petitions
Accused Products
Abstract
Described is processing for requested user access, starting with receiving transaction data from a portable consumer device presented by the user at a gate access device of an access agency for the requested access. The transaction data from the gate access device is processed and a fee amount for the requested access is determined. The processing next involves determining an account balance in accordance with the determined fee amount and a prior balance amount associated with the portable consumer device, and reconciling the determined account balance and account data associated with the portable consumer device at a processing computer of the access agency such that the access request is indicated as either approved or declined.
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Citations
8 Claims
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1. A method of processing data initiated by a user, the method comprising:
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receiving transaction data from a portable consumer device presented by the user at a gate access device of an access agency for requested access wherein the portable consumer device is previously personalized to the user by an access agency central computer; processing the transaction data from the gate access device and determining a fee amount at the access agency central computer for the requested access; determining an account balance in accordance with the determined fee amount and determining a prior balance amount associated with the portable consumer device; reconciling the determined account balance and account data associated with the portable consumer device at an access agency system computer and generating an authorization message from the access agency system computer to the access agency central computer if the access request is authorized by the access agency system computer. - View Dependent Claims (2, 3, 4)
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5. A system for processing an access request, the system comprising:
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an access agency central computer that is configured to receive transaction data from a portable consumer device presented by a user at a gate access device of an access agency for requested access and is configured to process the transaction data from the gate access device and determine a fee amount for the requested access, wherein the portable consumer access device is previously personalized to the user by the access agency central computer; an access agency system computer that is configured to determine an account balance in accordance with the determined fee amount and a prior balance amount associated with the portable consumer device, and is configured to reconcile the determined account balance and account data associated with the portable consumer device, and is configured to generate an authorization message to the access agency central computer if the access request is authorized by the access agency system computer. - View Dependent Claims (6, 7, 8)
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Specification