Patent ID: 11928729
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method comprising:
characterizing a plurality of bank identification number (BIN) ranges according to credit risk;
making available, to a transit authority, a list of said plurality of bank identification number (BIN) ranges characterized by credit risk, said list being configured to be distributed to a plurality of memory-constrained fare gates of said transit authority;
obtaining, at said transit authority, said list of said plurality of bank identification number (BIN) ranges characterized by credit risk;
distributing said list to said memory-constrained fare gates of said transit authority;
obtaining, by said transit authority, from a prospective passenger, at a given one of said memory-constrained fare gates, an indication of a bank identification number (BIN) range;
sending an authorization request from said memory-constrained fare gate; and
without waiting for a response to said authorization request, making a real-time access decision at said memory-constrained fare gate and opening said memory-constrained fare gate for said prospective passenger based on looking up said bank identification number (BIN) range in said list;
periodically re-characterizing at least a portion of said plurality of bank identification number (BIN) ranges according to credit risk; and
making available, to said transit authority, an updated list of said plurality of bank identification number (BIN) ranges characterized by credit risk, based on said periodic re-characterization.