Smart Systems Innovations v. Chicago Transit Authority

Representative Claim

‘003

14. A method for validating entry into a first transit system using a bankcard terminal, the method comprising:

downloading, from a processing system associated with a set of transit systems including the first transit system, a set of bankcard records comprising, for each bankcard record in the set, an identifier of a bankcard previously registered with the processing system, and wherein the set of bankcard records identifies bankcards from a plurality of issuers;

receiving, from a bankcard reader, bankcard data comprising data from a bankcard currently presented by a holder of the bankcard, wherein the bankcard comprises one of a credit card and a debit card;

determining an identifier based on at least part of the bank card data from the currently presented bankcard;

determining whether the currently presented bankcard is contained in the set of bankcard records;

verifying the currently presented bankcard with a bankcard Verification system, if the bankcard was not contained in the set of bankcard records; and

denying access, if the act of Verifying the currently presented bankcard with the bankcard verification system results in a determination of an invalid bankcard.

‘617

13. A method for validating entry into a first transit system using a bankcard terminal, the method comprising:

downloading, from a processing system associated with a set of transit systems including the first transit system, a list of bankcards comprising, for each bankcard in the list, a hash identifier of a bankcard previously presented, by a respective holder of the bankcard, to the processing system, wherein the bankcard comprises one of a credit card and a debit card;

receiving, from a bankcard reader, bankcard data comprising data from a bankcard currently presented by a holder of the bankcard;

generating a hash identifier based on the bankcard data from the currently presented bankcard, wherein the hash identifier comprises a hash of at least part of the bank card data;

determining whether the currently presented bankcard is contained in the list of bankcards;

verifying the currently presented bankcard with a bankcard Verification system, if the bankcard was not contained in the list of bankcards; and

denying access, if the act of Verifying the currently presented bankcard with the bankcard verification system results in a determination of an invalid bankcard.

‘816

1. A method of funding transit rides associated with at least one public transit network, from a plurality of funding Sources, the method comprising:

configuring a processor, associated with the at least one public transit network, wherein configuring the processor comprises:

storing, in memory, a plurality of balance classes storing, in the memory, at least one rule for a

prioritization of the balance classes;

storing, in the memory, at least one fare rule; and

maintaining, in the memory, a transit account and a respective plurality of balances; and

processing a bankcard presentation record, wherein the bankcard presentation record comprises an

identifier to the transit account, and wherein processing the bankcard

presentation record comprises:

receiving the bankcard presentation record at the processor, searching the memory for the transit account identified by the identifier in the bankcard presentation record;

inferring, from at least one of the at least one fare rules, a resultant fare;

selecting a balance from the plurality of balances for the transit account by using at least one of the at least one rule for the prioritization of the balance classes; and

accounting for a fare by applying the fare to the selected balance.

‘390

1. A method of using a bank card as an identifying token for time-based mass transit fare products, without using writeable memory on the bank card, the method comprising:

processing a timepass record associated with at least one public transit network, wherein the timepass record comprises an indication of duration and an identifier to a first transit account, and wherein processing the time pass record comprises:

receiving the timepass record representing an advance purchase of a fare product; and indicating the first transit account identified by the time pass record is enabled for a timepass product;

processing a first presentation record, wherein the first presentation record comprises a timestamp and
an identifier to the first transit account, and wherein processing of the first presentation record comprises: receiving the first presentation record; determining that the first transit account identified by the identifier in the first presentation record is enabled for a timepass product; and providing a discount associated with the timepass product; and

processing a second presentation record, wherein the second presentation record comprises a timestamp and an identifier to a second transit account, and wherein processing of the second presentation record comprises:

receiving the second presentation record; and determining that the second transit account identified by the identifier in the second presentation record is notenabled for a timepass product; and applying a non-timepass fare rule.