Advanced decision logic for transit acceptance

1. A method for determining to grant access to a user at an access control point of a transit system, the method comprising:

receiving an account identifier from a fare media at a first time for access to the transit system, wherein the account identifier is:

unique to the fare media; and

associated with a financial account;

sending information indicative of the account identifier for authorization of a payment for immediate access to the transit system, the payment being received at the access control point of the transit system;

receiving a denial code indicating a denial of the authorization of the payment, wherein the denial code comprises information indicative of a type of the denial;

accessing at least one information source having information related to the user, wherein the at least one information source includes historical information regarding prior transactions in the transit system made with the fare media;

making a determination, by a processor, to grant the user access to the transit system at the access control point of the transit system based, at least in part, on the information indicative of the type of the denial and the information related to the user from the at least one information source;

causing information indicative of the determination to be provided to a plurality of access control points of the transit system;

receiving, at one of the plurality of access control points, the account identifier from the fare media at a second time for access to the transit system; and

granting the user access to the transit system at the second time at the one of the plurality of access control points of the transit system based at least in part on the determination;

activating a gate or turnstile, based on the granting, to physically allow the user to access the transit system;

following a set of rules to determine when a user is granted access to the transit system, wherein the set of rules comprises a rule for determining access based on a denial code; and

modifying the set of rules based on one or more of a payment history, usage, status, or balance of the fare media, wherein the determination whether to grant access to the user is further based, at least in part, on the set of rules.

2. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 1 , further comprising sending information indicative of the determination to the access control point.

3. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 2 , further comprising storing the information indicative of the determination at one or more of the access control point and the plurality of access control points.

4. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 3 , further comprising storing the information indicative of the determination on a list having information for granting access to the transit system.

5. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 1 , wherein the information related to the user comprises a value.

6. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 5 , further comprising updating the value based, at least in part, on the denial code.

7. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 5 , wherein making the determination whether to grant access to the user at the access control point of the transit system is based, at least in part, on whether the value exceeds a certain threshold value.

8. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 1 , wherein the at least one information source comprises one or more of:

a financial institution associated with the financial account,

an employer system, or

a government system.

9. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 1 , wherein the historical information regarding prior transactions comprises one or more of:

a use history,

a recharge history, or

a velocity history.

10. The method for determining to grant access to the user at the access control point of the transit system as recited in claim 1 , wherein the plurality of access control points comprises the access control point.

11. A system for executing advanced decision logic for transit acceptance, the system comprising:

a communication interface coupled to a data communication network and configured to receive information indicative of an account identifier from a fare media at a first time for access to a transit system, wherein the account identifier is: unique to the fare media;

and associated with a financial account;

an authorization subsystem configured to:

send information indicative of the account identifier for authorization of a payment for immediate access to the transit system, the payment being received at the access control point of the transit system; and

receive an authorization response indicating a denial of the authorization of the payment, wherein the authorization response comprises a denial code comprising information indicative of a type of the denial;

a processor communicatively coupled with the communication interface and the authorization subsystem, and configured to:

access at least one information source having information related to a user associated with the account identifier, wherein the at least one information source includes historical information regarding prior transit transactions made with the fare media;

make a determination to grant the user access to the transit system at the access control point of the transit system based, at least in part, on the information indicative of a type of the denial and the information related to the user from the at least one information source;

cause information indicative of the determination to be send to a plurality of access control points of the transit system using the communication interface;

receiving receive, at one of the plurality of access control points, the account identifier from the fare media at a second time for access to the transit system; and

grant the user access to the transit system at the second time at the one of the plurality of access control points of the transit system based at least in part on the determination;

activate a gate or turnstile, based on the granting, to physically allow the user to access the transit system;

follow a set of rules to determine when a user is granted access to the transit system, wherein the set of rules comprises a rule for determining access based on a denial code; and

modify the set of rules based on one or more of a payment history, usage, status, or balance of the fare media, wherein the determination whether to grant access to the user is further based, at least in part, on the set of rules.

12. The system for executing the advanced decision logic for transit acceptance as recited in claim 11 , further comprising a database configured to store at least a portion of the historical information regarding the prior transit transactions made with the fare media.

13. The system for executing the advanced decision logic for transit acceptance as recited in claim 11 , further comprising an access control point communicatively coupled with the communication interface and configured to receive the information indicative of the determination.

14. The system for executing the advanced decision logic for transit acceptance as recited in claim 13 , wherein the access control point includes a memory configured to store the information indicative of the determination on a list having information for granting access to the transit system.

15. The system for executing the advanced decision logic for transit acceptance as recited in claim 11 , wherein the processor is configured to make the determination whether to grant access to the user at the access control point of the transit system based, at least in part, on whether a value computed using the information related to the user exceeds a certain threshold value.

16. A non-transitory storage medium with computer-readable instructions for determining whether to grant access to a user at an access control point of a transit system, the instructions comprising code for:

receiving an account identifier from a fare media at a first time for access to the transit system, wherein the account identifier is:

unique to the fare media; and

associated with a financial account;

sending information indicative of the account identifier for authorization of a payment for immediate access to the transit system, the payment being received at the access control point of the transit system;

receiving an authorization response indicating a denial of the authorization of the payment, wherein the authorization response comprises a denial code comprising information indicative of a type of the denial;

accessing at least one information source having information related to the user, wherein the at least one information source includes historical information regarding prior transactions in the transit system made with the fare media;

making a determination whether to grant the user access to the transit system at the access control point of the transit system based, at least in part, on the information indicative of a type of the denial and the information related to the user from the at least one information source;

causing information indicative of the determination to be provided to a plurality of access control points of the transit system;

receiving, at one of the plurality of access control points, the account identifier from the fare media at a second time for access to the transit system; and

granting user access at the second time at the one of the plurality of access control points based on the determination;

activating a gate or turnstile, based on the granting, to physically allow the user to access the transit system;

following a set of rules to determine when a user is granted access to the transit system, wherein the set of rules comprises a rule for determining access based on a denial code; and

modifying the set of rules based on one or more of a payment history, usage, status, or balance of the fare media, wherein the determination whether to grant access to the user is further based, at least in part, on the set of rules.

17. The non-transitory storage medium with the computer-readable instructions for determining whether to grant access to the user at the access control point of the transit system as recited in claim 16 , wherein the instructions comprising the code for performing the action at the access control point include instructions for granting access to the user at the access control point of the transit system.

18. The non-transitory storage medium with the computer-readable instructions for determining whether to grant access to the user at the access control point of the transit system as recited in claim 16 , wherein the instructions further comprise code for sending information indicative of the determination to the access control point.

19. The non-transitory storage medium with the computer-readable instructions for determining whether to grant access to the user at the access control point of the transit system as recited in claim 16 , wherein the instructions further comprise code for storing the information indicative of the determination at the access control point.

20. The non-transitory storage medium with the computer-readable instructions for determining whether to grant access to the user at the access control point of the transit system as recited in claim 16 , wherein the information related to the user comprises a value.

21. The non-transitory storage medium with the computer-readable instructions for determining whether to grant access to the user at the access control point of the transit system as recited in claim 20 , wherein the instructions further comprise code for updating the value based, at least in part, on the authorization response.