Learning fare collection system for mass transit
DC CAFCFirst Claim
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1. A bankcard terminal for regulating access to a first transit system, the bankcard terminal comprising:
- a first interface to communicate with a processing system associated with a set of transit systems including at least the first transit system, wherein the first interface provides for uploading information to the processing system and downloading information from the processing system;
a bankcard reader comprising a receiver to receive data, as bankcard data, upon a current presentation of a bankcard by a holder, wherein the bankcard comprises one of a credit card and a debit card;
a processor, coupled to the bankcard reader and to the first interface, to receive the bankcard data and to determine an identifier based on at least part of the bankcard data from the currently presented bankcard;
memory, coupled to the processor, to hold a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously registered with the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; and
a second interface, coupled to the processor, to send a signal to an access controller.
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Abstract
An implementation of a system and method for regulating entry in a transit system using information from a bankcard, such as a credit card or debit card is provided.
59 Citations
68 Claims
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1. A bankcard terminal for regulating access to a first transit system, the bankcard terminal comprising:
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a first interface to communicate with a processing system associated with a set of transit systems including at least the first transit system, wherein the first interface provides for uploading information to the processing system and downloading information from the processing system; a bankcard reader comprising a receiver to receive data, as bankcard data, upon a current presentation of a bankcard by a holder, wherein the bankcard comprises one of a credit card and a debit card; a processor, coupled to the bankcard reader and to the first interface, to receive the bankcard data and to determine an identifier based on at least part of the bankcard data from the currently presented bankcard; memory, coupled to the processor, to hold a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously registered with the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; and a second interface, coupled to the processor, to send a signal to an access controller. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for validating entry into a first transit system using a bankcard terminal, the method comprising:
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downloading, from a processing system associated with a set of transit systems including the first transit system, a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously registered with the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; receiving, from a bankcard reader, bankcard data comprising data from a bankcard currently presented by a holder of the bankcard, wherein the bankcard comprises one of a credit card and a debit card; determining an identifier based on at least part of the bankcard data from the currently presented bankcard; determining whether the currently presented bankcard is contained in the set of bankcard records; verifying the currently presented bankcard with a bankcard verification system, if the bankcard was not contained in the set of bankcard records; and denying access, if the act of verifying the currently presented bankcard with the bankcard verification system results in a determination of an invalid bankcard. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 68)
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33. A computer-readable medium, comprising machine readable code for performing the acts of:
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downloading, from a processing system associated with a set of transit systems including the first transit system, a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously registered with the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; receiving, from a bankcard reader, bankcard data comprising data from a bankcard currently presented by a holder of the bankcard; receiving, from a bankcard reader, bankcard data comprising data from a bankcard currently presented by a holder of the bankcard, wherein the bankcard comprises one of a credit card and a debit card; determining an identifier based on at least part of the bankcard data from the currently presented bankcard; verifying the currently presented bankcard with a bankcard verification system, if the bankcard was not contained in the set of bankcard records; and denying access, if the act of verifying the currently presented bankcard with the bankcard verification system results in a determination of an invalid bankcard.
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34. A method for validating entry, into a first transit system, using a bankcard terminal, the method comprising:
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downloading, from a processing system associated with a set of transit systems including the first transit system, a set of bankcard records comprising, for each bankcard record, an identifier of a bankcard previously registered with the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; receiving, from a bankcard reader, bankcard data comprising data from a bankcard currently presented by a holder of the bankcard, wherein the bankcard comprises one of a credit card and a debit card; determining an identifier based on at least part of the bankcard data from the currently presented bankcard; determining whether the currently presented bankcard is contained in the set of bankcard records; denying access, if the currently presented bankcard is not contained in the set of bankcard records; and uploading, to the processing system, at least one bankcard identifier granted access to the first transit systems. - View Dependent Claims (35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A computer-readable medium, comprising machine readable code for performing the acts of:
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downloading, from a processing system associated with a set of transit systems including the first transit system, a set of bankcard records comprising, for each bankcard record, an identifier of a bankcard previously registered with the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; receiving, from a bankcard reader, bankcard data comprising data from a bankcard currently presented by a holder of the bankcard, wherein the bankcard comprises one of a credit card and a debit card; determining an identifier based on at least part of the bankcard data from the currently presented bankcard; determining whether the currently presented bankcard is contained in the set of bankcard records; denying access, if the currently presented bankcard is not contained in the set of bankcard records; and uploading, to the processing system, at least one bankcard identifier granted access to the first transit systems.
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49. A processing system associated with a set of transit systems including at least one transit system, the processing system comprising:
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a first interface to communicate with at least one bankcard terminal; a processor coupled to the first interface; memory, coupled to the processor, to hold a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously presented, by a respective holder of the bankcard, to a registration system, wherein the bankcard comprises one of a credit card and a debit card, wherein the identifier is based on at least part of bankcard data from the bankcard, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; a second interface, coupled to the processor, to communicate with a bankcard verification system; and a third interface, coupled to the processor, to communicate with a bankcard registration system. - View Dependent Claims (50, 51, 52, 53, 54, 55, 56, 57)
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58. A method for maintaining a set of bankcard records at a processing system associated with a set of transit systems including at least one transit system, the method comprising:
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receiving, from a bankcard registration system, a registration request containing bankcard data of a bankcard presented by a respective holder of the bankcard, wherein the bankcard comprises one of a credit card and a debit card; determining an identifier based on at least part of the bankcard data from the presented bankcard; determining whether the presented bankcard is contained in a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously presented to the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; verifying, with a bankcard verification system, eligibility of the presented bankcard for a future purchase; and downloading, to at least one bankcard terminal, the set of bankcard records. - View Dependent Claims (59, 60, 61, 62, 63, 64, 65, 66)
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67. A computer-readable medium, comprising machine readable code for performing the acts of:
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receiving, from a bankcard registration system, a registration request containing bankcard data of a bankcard presented by a respective holder of the bankcard wherein the bankcard comprises one of a credit card and a debit card; determining an identifier based on at least part of the bankcard data from the presented bankcard; determining whether the presented bankcard is contained in a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously presented to the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers; verifying, with a bankcard verification system, eligibility of the presented bankcard for a future purchase; and downloading, to at least one bankcard terminal, the set of bankcard records.
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Specification