Method and system for using contactless payment cards in a transit system

An automatic fare collection solution for a transit system exploits the use of smart payment cards (e.g., MasterCard's PayPass cards) by the commercial payment card industry. The smart payment cards that are issued by commercial card issuers and banks to customers conform to a common or open in...

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Bibliographische Detailangaben
Hauptverfasser:	STEELY, OLIVER, WILHELM, BURT A, GLUCK, ADAM
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING CHECKING-DEVICES COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ELECTRIC COMMUNICATION TECHNIQUE ELECTRICITY PHYSICS PICTORIAL COMMUNICATION, e.g. TELEVISION REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:	An automatic fare collection solution for a transit system exploits the use of smart payment cards (e.g., MasterCard's PayPass cards) by the commercial payment card industry. The smart payment cards that are issued by commercial card issuers and banks to customers conform to a common or open industry standard such as the ISO 14443 standard for contactless payment cards. A cardholder seeking access to transit services presents his or her smart card to an RFID-enabled card reader at a transit system entrance. The cardholder is granted quick access unless his or her smart card is list of'hot' cards (i.e., lost or stolen, expired or delinquent cards). A card transaction record is prepared and communicated from the card reader to a transit payment platform. The transit payment platform is linked by conventional payment-by-card electronic networks to card issuers and banks for authorization, clearing and settlement of the card transaction.