Public transit system fare processor for multi-balance funding

CAFC
  • US 8,662,390 B2
  • Filed: 08/07/2013
  • Issued: 03/04/2014
  • Est. Priority Date: 12/07/2006
  • Status: Active Grant
First Claim
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1. A method of using a bank card as an identifying token for time-based mass transit fare products, without using writeable memory on the bank card, the method comprising:

  • processing a timepass record associated with at least one public transit network, wherein the timepass record comprises an indication of duration and an identifier to a first transit account, and wherein processing the timepass record comprises;

    receiving the timepass record representing an advance purchase of a fare product; and

    indicating the first transit account identified by the timepass record is enabled for a timepass product;

    processing a first presentation record, wherein the first presentation record comprises a timestamp and an identifier to the first transit account, and wherein processing of the first presentation record comprises;

    receiving the first presentation record;

    determining that the first transit account identified by the identifier in the first presentation record is enabled for a timepass product; and

    providing a discount associated with the timepass product; and

    processing a second presentation record, wherein the second presentation record comprises a timestamp and an identifier to a second transit account, and wherein processing of the second presentation record comprises;

    receiving the second presentation record; and

    determining that the second transit account identified by the identifier in the second presentation record is not enabled for a timepass product; and

    applying a non-timepass fare rule.

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