CONTACTLESS PREPAID PRODUCT FOR TRANSIT FARE COLLECTION
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Abstract
Transaction processing in an offline environment for a prepaid product comprising a portable consumer device includes responding to presentation of the prepaid product at a reader for offline processing by initiating operation of the prepaid product, receiving data from the prepaid product at the reader that indicates the prepaid product is associated with a prepaid account balance, determining that the prepaid product is in a negative balance condition, and taking preventive action in response to the negative balance condition such that future acceptance of the prepaid product at a reader is prevented.
30 Citations
35 Claims
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1-20. -20. (canceled)
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21. A comprising:
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receiving data from a first device for a current transaction with a second device, wherein the received data indicates that the first device is associated with an account, and wherein the first device operates in a locked status or a not locked status, and wherein the first device is a wireless communication device; determining that an account balance associated with the account would be in a negative balance condition if the transaction proceeds; and taking preventive action in response to the negative balance condition such that future acceptance of the first device to conduct a transaction with any other device is prevented, wherein taking preventive action comprises issuing a locking command to the first device, wherein the locking command is set at the first device, wherein setting the locking command comprises an instruction that causes the first device to execute a locking code that causes the first device to be unusable for subsequent transactions at the second device, wherein the first device receives the locking command in an over-the-air communication, and wherein the preventive action is not taken if the account balance was not determined to be in the negative balance condition. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29)
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30. A system comprising:
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one or more processors; and a computer readable medium coupled to the one or more processors, the computer readable medium comprising code, executable by the one or more processors, for implementing a method comprising receiving data from a first device for a current transaction with a second device, wherein the received data indicates that the first device is associated with an account, and wherein the first device operates in a locked status or a not locked status, and wherein the first device is a wireless communication device, determining that an account balance associated with the account would be in a negative balance condition if the transaction proceeds, and taking preventive action in response to the negative balance condition such that future acceptance of the first device to conduct a transaction with any other device is prevented, wherein taking preventive action comprises issuing a locking command to the first device, wherein the locking command is set at the first device, wherein setting the locking command comprises an instruction that causes the first device to execute a locking code that causes the first device to be unusable for subsequent transactions at the second device, wherein the first device receives the locking command in an over-the-air communication, and wherein the preventive action is not taken if the account balance was not determined to be in the negative balance condition. - View Dependent Claims (31, 32, 33, 34, 35)
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35-1. The system of claim 30 wherein determining that the account balance associated with the account is in the negative balance condition is in response to predictive processing that determines a next anticipated charge to the account balance and identifies a situation in which the next anticipated charge to the account balance will result in an insufficient account balance to cover the next anticipated charge.
Specification