Mass transit fare processing system
First Claim
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1. A method for gating entry into a first transit system, the method comprising:
- receiving a set of records, wherein each includes an index representative of an individual token, and wherein the set of records includes a set of records representing black-listed tokens wherein a black-listed token will be denied access to the first transit system;
sequentially reading, at a token terminal, and processing token data from a plurality of tokens, wherein a first token of the plurality of tokens is issued by a first issuer and a second token of the plurality of tokens is issued by a second issuer separate and distinct from the first issuer, and wherein the first issuer and the second issuer are separate from the first transit system;
processing a third token comprising;
(a) reading, at the token terminal, token data from the third token;
(b) determining an index representative of the third token;
(c) searching for the index representative of the third token in the set of records to determine a status of the third token;
(d) setting the status of the third token to indicate the third token is an unknown token; and
(e) allowing access into the first transit system and entering, to a transaction history database, an indication of access into the first transit system by a holder of the third token;
providing, to a processing system, entries from the transaction history database for remote determination of a transaction amount for each entry; and
receiving an update to the set of records.
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Abstract
An implementation of a system and method for using existing identification token infrastructures for mass transit fare product entitlement and payment is provided. The system and method make use of tokens—usually issued by a third party—for identification purposes and optionally for settlement purposes. The system does not store information on the tokens and instead maintains access control data (i.e., “white” and “black” lists). This implementation differs from known systems that require specially issued credit cards that have dedicated mass transit functionality.
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Citations
26 Claims
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1. A method for gating entry into a first transit system, the method comprising:
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receiving a set of records, wherein each includes an index representative of an individual token, and wherein the set of records includes a set of records representing black-listed tokens wherein a black-listed token will be denied access to the first transit system; sequentially reading, at a token terminal, and processing token data from a plurality of tokens, wherein a first token of the plurality of tokens is issued by a first issuer and a second token of the plurality of tokens is issued by a second issuer separate and distinct from the first issuer, and wherein the first issuer and the second issuer are separate from the first transit system; processing a third token comprising; (a) reading, at the token terminal, token data from the third token; (b) determining an index representative of the third token; (c) searching for the index representative of the third token in the set of records to determine a status of the third token; (d) setting the status of the third token to indicate the third token is an unknown token; and (e) allowing access into the first transit system and entering, to a transaction history database, an indication of access into the first transit system by a holder of the third token; providing, to a processing system, entries from the transaction history database for remote determination of a transaction amount for each entry; and receiving an update to the set of records.
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2. A method for authorizing a bankcard transaction, the method comprising:
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downloading a first set of records comprising at least a bankcard identifier, the first set of records representing known invalid bankcards; receiving a first authorization request, referencing a first bankcard; checking if the first bankcard matches a known invalid card; denying the first authorization request, if the first bankcard matches the known invalid card; receiving a second authorization request, referencing a second bankcard, the second authorization request comprising at least the bankcard identifier of the second bankcard, wherein the bankcard identifier comprises an unknown bankcard identifier; checking if the second bankcard matches the known invalid card; and approving the second authorization request, if the first bankcard does not match any known invalid cards, and is an unknown bankcard. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A fare processing system associated with a set of public transit systems, the fare processing system comprising:
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a first interface to receive a plurality of presentation records from at least one of the set of public transit systems, wherein the presentation records are derived from bankcard data, and wherein the presentation records comprise an indication of an unknown token; record memory to hold received presentation records; rule memory to hold fare rules; account memory to store a state of one or more transit accounts; a second interface connected to a payment gateway to settle the one or more transit accounts; and one or more processors, coupled to the first interface and second interface and to the record memory, the rule memory and the account memory, to apply the fare rules held in the rule memory to presentations records held in presentation record memory. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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Specification