Customer administered autoload
View Patent ↗A system and method for automatically loading a pre-selected value onto a fare card allows a patron to enter or leave a transit system gate without having to add a fare value at a vending machine. The automatic loading provides added convenience and security for the patron. The vehicle for the automatically-loaded value is either a credit card that is pre-authorized for use by the patron, or the patron's available benefits. The automatic loading process may be utilized to autoload values of benefits only, or to load values from a combination of benefits and credit card transactions. The pre-selected autoload value is loaded onto the fare card at the gate before confirmation that the credit card transaction is authorized. The gate sends a message to a transit central computer that an autoload has occurred. The central computer determines whether benefits are available to fill the request, and forwards a request for the difference to a credit processing company.
1. A system for automatically loading a pre-determined value from a selectable source onto a patron's fare card, the system comprising:
a central computer having a fare card data base for storing fare card data specific to the fare card;
a means for initializing an autoload flag to “on” for automatic loading of the pre-determined value onto the fare card; and
a terminal device in communication with the central computer for automatically loading the fare card with the pre-determined value.
2. The system as in claim 1 , wherein the selectable source is at least one benefit that is available to the patron through an issuing authority, and wherein the central computer further comprises means for generating an autoload list containing the value of the at least one benefit and a control number for the at least one benefit and downloading the list to the terminal device, the terminal device further comprising means for comparing the control number of the at least one benefit to at least one control number on the fare card and automatically loading the fare card with the pre-determined value if the control number of the autoload list does not match the at least one control number on the fare card.
3. The system as in claim 2 , wherein the autoload flag is a benefit autoload flag contained in the fare card data base, and wherein the means for initializing the autoload flag to “on” is controlled by one of the issuing authority, the patron, and the customer.
4. The system as in claim 2 , wherein the at least one benefit is a plurality of benefits, each benefit of the plurality of benefits having an associated control number.
5. The system as in claim 1 , wherein the selectable source is a credit card, and wherein the autoload flag is stored on the fare card, the terminal device for loading the pre-determined value on the fare card if the autoload flag is “on” and for communicating a force post message to the central computer after the pre-determined value is loaded onto the fare card, wherein the central computer further comprises means for determining whether at least one benefit value is available in the fare card database to offset the pre-determined value and for processing a credit transaction for a difference between the pre-determined value and the at least one benefit value.
6. The system as in claim 5 , wherein the central computer further comprises a negative list for listing the fare cards in which the credit transaction is denied, the negative list for prompting the terminal device to set the autoload flag on the fare card to “off”.
7. The system as in claim 5 , wherein the means for initializing the fare card for automatic loading of the pre-determined value is a transit vending machine.
8. The system as in claim 7 , wherein the transit vending machine utilizes at least one criterion to determine whether the patron is eligible for the automatic loading of the pre-determined value on the fare card.
9. The system as in claim 1 , wherein the terminal device is one of a transit system rail gate and a transit system bus fare box.
10. The system as in claim 1 , wherein the fare card is at least one of a contactless smart card, a contact smart card, and a magnetic stripe card.
11. A method for an automatic card-based loading process for loading a benefits value onto a fare card, the method comprising:
generating an autoload list comprising at least one benefit available, for use with the fare card, a first value for the at least one benefit, and a first control number associated with the each at least one benefit;
initializing the fare card with a storage area for storing an amount remaining, a second value and a second control number;
reading the second value of the at least smart and the second control number from the fare card to a transit gate;
comparing the first control number to the second control number;
if the first control number is different than the second control number,
adding the first value for the at least one benefit to the amount remaining and updating the amount remaining on the fare card with the result;
setting the second control number equal to the first control number;
setting the second value equal to the first value; and
updating the first value of the autoload list to zero if the second value is set equal to the first value; and
if the first control number is the same as the second control number, terminating the automatic loading process.
12. The method of claim 11 , wherein a central computer generates the autoload list, further comprising the step of downloading the autoload list to the transit gate.
13. The method of claim 11 , wherein the a partial value of the first value is added to the amount remaining, and wherein the first value of the autoload list is updated as the difference between the first value and the partial value.
14. The method of claim 11 , further comprising the step of reading the amount remaining, and if the amount remaining is above a minimum level, then terminating the automatic loading process.
15. The method of claim 11 , wherein the at least one benefit is a plurality of benefits having at least one control number, and a plurality of first values associated with the at least one control number.
16. A method for an automatic loading process for loading a pre-selected credit card value onto a fare card, the method comprising:
initializing the fare card with a storage area for storing an amount remaining, credit card data, and an autoload flag; and
reading the flag value;
if the flag value is “on”,
adding the pre-selected credit card value to the amount remaining on the fare card; and
sending the credit card data and the pre-selected credit card value to a credit processing means,
if the flag value is “off”,
terminating the automatic loading process.
17. The method of claim 16 , wherein the fare card is at least one of a smart card and a magnetic stripe card.
18. The method of claim 16 , wherein the credit processing means is a central computer, further comprising the steps of,
determining whether patron benefits are available;
if the patron benefits are available,
subtracting at least a portion of the patron benefits from the pre-selected credit card value;
initiating a credit process for requesting a credit transaction from a credit card processing company.
19. The method of claim 18 , further comprising the step of
receiving one of an approval or a denial from the credit card processing company; and
if a denial is received,
adding the fare card to a negative list, wherein the negative list is utilized to set the flag value to “off”.