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.