Transit agency as an issuer and/or program manager of prepaid products
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.
1. A method of processing data initiated by a user, the method comprising:
receiving, at an access agency central computer, transaction data comprising a primary account number (PAN), an expiry date associated with the PAN, a time, and date from a gate access device, which interacted with a prepaid portable consumer device presented by the user at the gate access device of an access agency for requested access and received and validated the PAN and the expiry date from the prepaid portable consumer device and allowed access to the user based on the validated PAN and expiry date, wherein the prepaid portable consumer device stores the primary account number and the expiry date and was previously personalized to the user by the access agency central computer and was issued by the access agency instead of a third party outside of the access agency environment;
processing, at the access agency central computer, the transaction data from the gate access device and determining a fee amount at the access agency central computer for the requested access by performing a fare calculation at the access agency central computer based on the history of transactions for the prepaid portable consumer device and a fee policy defined by the access agency;
determining, by the access agency central computer, an account balance based on the determined fee amount and a prior balance amount associated with the prepaid portable consumer device; and
reconciling the determined account balance and account data associated with the prepaid portable consumer device at an access agency system computer and generating and sending an authorization response message from the access agency system computer to the access agency central computer.
2. A method as in claim 1 , wherein the prior balance amount comprises a numerical funds amount that is maintained on the portable consumer device by the access terminal.
3. A method as in claim 1 , wherein the prior balance amount comprises a numerical funds amount that is stored in a data store that is external to the portable consumer device and is maintained by the access agency system computer.
4. A method as in claim 1 , further including:
issuing the portable consumer device to the user from the access agency;
initiating a prior balance amount comprising a numerical funds amount that is associated with the portable consumer device.
5. A method as in claim 1 wherein the gate access device generated an authorization request message comprising the transaction data and the authorization request message is received by the access agency system computer.
6. A method as in claim 1 wherein the portable consumer device is in the form of a phone.
7. A method as in claim 1 wherein the gate access device and the portable consumer device include encryption keys and algorithms allowing the gate access device to authenticate the portable consumer device.
8. A method as in claim 1 wherein the gate access device generated an authorization request message comprising the primary account number associated with the portable consumer device, wherein the authorization request message is received by the access agency system computer.
9. A method as in claim 1 wherein the gate access device generated an authorization request message comprising the time and date of the transaction, a location of the transaction, and the primary account number associated with the portable consumer device, wherein the authorization request message is received by the access agency system computer.
10. A method as in claim 1 wherein a person associated with the portable consumer device is allowed to pass by the gate access device before the fee is determined by the access agency central computer.
11. A method as in claim 1 wherein a person associated with the portable consumer device is allowed to pass by the gate access device before the account balance is determined by the access agency central computer.
12. The method of claim 1 wherein the transaction data further comprises an on-card account balance stored in the prepaid portable consumer device.
13. The method of claim 1 wherein the account balance comprises a funding amount that is debited with each authorized transaction.
14. A system for processing an access request, the system comprising:
an access agency central computer that is configured to receive transaction data comprising a primary account number (PAN), an expiry date associated with the PAN, a time, and date from a gate access device, which interacted with a prepaid portable consumer device presented by a user at the gate access device of an access agency for requested access and received and validated the PAN and the expiry date from the prepaid portable consumer device and allowed access to the user based on the validated PAN and expiry date, and is configured to process the transaction data from the gate access device and determine a fee amount for the requested access by performing a fare calculation at the access agency central computer based on the history of transactions for the prepaid portable consumer device and a fee policy defined by the access agency, wherein the prepaid portable consumer access device stores the primary account number and the expiry date and was previously personalized to the user by the access agency central computer and was issued by the access agency instead of a third party outside of the access agency environment;
an access agency system computer that is configured to determine an account balance based on the determined fee amount and a prior balance amount associated with the prepaid portable consumer device, and is configured to reconcile the determined account balance and account data associated with the prepaid portable consumer device, and is configured to generate and send an authorization response message to the access agency central computer.
15. A system as in claim 14 , wherein the prior balance amount comprises a numerical funds amount that is maintained on the portable consumer device by the access terminal.
16. A system as in claim 14 , wherein the prior balance amount comprises a numerical funds amount that is stored in a data store that is external to the portable consumer device and is maintained by the access agency system computer.
17. A system as in claim 14 , wherein the portable consumer device comprises a device that is issued to the user from the access agency, and includes a prior balance amount comprising a numerical funds amount that is associated with the portable consumer device.