Open system account remote validation for access

摘要

At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, where each rider seeks access into a facility of the transit facility 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. For each such access, a communication including the account is addressed to a network address of a system remote from the payment processing system and remote from each of POS terminals. A response to the communication is received that includes information as to the validation of the access based upon the account being on a list keep by remote system. When the received information contains the validation of the access, the rider is permitted access to the facility of the transit system and the payment device is unchanged for the fare of the access to the facility of the transit system.

主权项

1. A method comprising:
reading data at a payment terminal from a portable payment device for a transaction involving access to a facility, wherein the data includes an account identifier of an account associated with an issuer of the portable payment device; communicating the data with an off-line access system at a location different from the payment terminal; receiving, in response, a message indicating whether access to the facility is permitted based on historical data associated with the account identifier stored at the off-line access system, wherein access to the facility is permitted without communicating with the issuer of the portable payment device, and wherein access to the facility is permitted without knowing a value of the transaction at the time of access; and permitting or denying access to the facility based on the received message.