Abstract: An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

Abstract: Embodiments of systems, methods, and machine-readable media are disclosed for enabling the management of a transit user account of a transit system with a mobile device. Embodiments of a transit system utilizing such transit user accounts are also disclosed. Embodiments for enabling a mobile device to manage a transit user account can include receiving an identification code of a fare media and receiving contact information of the mobile device. The transit user account, which can be used in transactions of the transit system associated with the fare media, can be created using user information and a passcode. Additionally, the mobile device can be authenticated by sending at least one message to the mobile device and receiving at least one message from the mobile device.

Abstract: Techniques for concurrent distribution of reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of a transit system. Techniques of enabling of the reloadable prepaid cards for use at access control points of the transit system can include obtaining user information, payment, and communicating card information to a card issuer for activation of the first reloadable prepaid card. A transit user account for managing transactional information of the user of the transit system is also created, reloadable prepaid card is enabled for use as fare media at access control points of the transit system. Thus, once distributed, the prepaid reloadable cards may be used as fare media in the transit system as payment for transit fare, as well as for purchases at locations outside the transit system.

Abstract: Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and/or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways.

Abstract: Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and/or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways.

Abstract: An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

Abstract: Techniques are disclosed for determining whether to grant a user access at an access control point of a transit system based on information about a user associated with a fare media from one or more information sources. These techniques can include receiving an authorization response after attempting to authorize payment from a fare media, and accessing at least one information source. This can include accessing historical information regarding prior transactions in the transit system made with the fare media. A determination can then be made whether to grant a user access at the access control point of the transit system.

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.

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.

Abstract: At each of a plurality of merchant Point Of Service terminals (POS), for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. The consumer is permitted to receive the good or service from the merchant prior to validating the account with the issuer. Transaction information for each transaction is stored during a predetermined aggregation criteria, such as time period, number of transactions, monetary volume, etc., into an aggregation set of said transactions. During the predetermined aggregation criteria, an evaluation is made, by communication with the corresponding issuer, whether the accounts in the aggregation set of transactions are valid.

Abstract: Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string that includes a transit verification value wherein, with the exception of the transit verification value, the access transaction data string is substantially similar to a retail data string comprising retail data, wherein the access application data string is adapted for use with an access transaction processing system and the retail data string is adapted for use with a retail processing system. The transaction processing involves processing access transaction application data for selective authorization of the transaction.

Abstract: Embodiments of systems, methods, and machine-readable media are disclosed for enabling the management of a transit user account of a transit system with a mobile device. Embodiments of a transit system utilizing such transit user accounts are also disclosed. Embodiments for enabling a mobile device to manage a transit user account can include receiving an identification code of a fare media and receiving contact information of the mobile device. The transit user account, which can be used in transactions of the transit system associated with the fare media, can be created using user information and a passcode. Additionally, the mobile device can be authenticated by sending at least one message to the mobile device and receiving at least one message from the mobile device.

Abstract: Techniques for concurrent distribution of reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of a transit system. Techniques of enabling of the reloadable prepaid cards for use at access control points of the transit system can include obtaining user information, payment, and communicating card information to a card issuer for activation of the first reloadable prepaid card. A transit user account for managing transactional information of the user of the transit system is also created, reloadable prepaid card is enabled for use as fare media at access control points of the transit system. Thus, once distributed, the prepaid reloadable cards may be used as fare media in the transit system as payment for transit fare, as well as for purchases at locations outside the transit system.

Abstract: Described is processing for requested user access, starting with receiving transaction data from a portable consumer device presented by the user at a gate access device of an access agency for the requested access. The transaction data from the gate access device is processed and a fee amount for the requested access is determined. The processing next involves determining an account balance in accordance with the determined fee amount and a prior balance amount associated with the portable consumer device, and reconciling the determined account balance and account data associated with the portable consumer device at a processing computer of the access agency such that the access request is indicated as either approved or declined.

Abstract: Embodiments of methods and machines are disclosed for enabling contactless devices, such as contactless payment cards and other devices having near-field communication (NFC) capabilities, for use as fare media in a transit and/or transportation system. Embodiments include reading contactless data from a contactless device and associating it with information received from another source on the device. For example, associating a primary account number (PAN) and/or other information received from a contactless payment card's contactless interface with a PAN obtained from a magnetic stripe of the contactless payment card. The information can then be further associated with one or more products and/or a transit user account.

Abstract: Embodiments of systems, methods, and machine-readable media are disclosed for enabling the management of a transit user account of a transit system with a mobile device. Embodiments of a transit system utilizing such transit user accounts are also disclosed. Embodiments for enabling a mobile device to manage a transit user account can include receiving an identification code of a fare media and receiving contact information of the mobile device. The transit user account, which can be used in transactions of the transit system associated with the fare media, can be created using user information and a passcode. Additionally, the mobile device can be authenticated by sending at least one message to the mobile device and receiving at least one message from the mobile device.

Abstract: Described is processing for requested user access, starting with receiving transaction data from a portable consumer device presented by the user at a gate access device of an access agency for the requested access. The transaction data from the gate access device is processed and a fee amount for the requested access is determined. The processing next involves determining an account balance in accordance with the determined fee amount and a prior balance amount associated with the portable consumer device, and reconciling the determined account balance and account data associated with the portable consumer device at a processing computer of the access agency such that the access request is indicated as either approved or declined.

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.

Abstract: Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string that includes a transit verification value wherein, with the exception of the transit verification value, the access transaction data string is substantially similar to a retail data string comprising retail data, wherein the access application data string is adapted for use with an access transaction processing system and the retail data string is adapted for use with a retail processing system. The transaction processing involves processing access transaction application data for selective authorization of the transaction.

Abstract: Embodiments of systems and methods are disclosed for providing messages based on an identified ridership pattern of a user of a transit system. Embodiments can include receiving information associated with a plurality of transactions of the user of the transit system, and identifying a ridership pattern of the user of the transit system. A predicted time and duration that the user of the transit system will be at a predicted location can be determined based, at least in part, on the identified ridership pattern. A message can be formulated using this information, and the message can be sent to the user or other message subscriber. Messages can include a variety of information, including advertisements, transit status updates, and more.