Patent ID: 9213977
Filing Date: 2015-12-15
Classification: G06K,G06Q

Abstract:
1. A method of processing an access transaction, the method comprising: receiving access transaction application data from a portable consumer device associated with the access transaction application data and retail application data, wherein the received data comprises data from an access transaction data string that includes a transit verification value adapted for offline verification processing in connection with the portable consumer device, wherein the access transaction application data has an access data field configuration for use with a reader of an agency, wherein the retail application data has a retail data field configuration for use with a retail processing system of an issuer of the portable consumer device such that the issuer receives the retail application data and processes it to either authorize or deny a retail transaction and the retail data field configuration includes a retail primary account number (PAN) associated with the retail application data, wherein the retail data field configuration of the retail application data corresponds to a standardized format, wherein the portable consumer device includes the access transaction data string and includes a retail data string, wherein receiving the access transaction application data comprises reading from the portable consumer device such that the retail data string is not accessible by an access transaction processing system, and wherein the access transaction data string is not accessible by a retail POS terminal of the retail processing system; processing, by at least one processor, the received data, wherein processing the received data includes processing the transit verification value; authenticating the portable consumer device by validating the received data; and granting a holder of the portable consumer device access to a venue or through a transit fare collection device associated with the reader of the agency.