A computerized method of passively processing a payment for an activity that leverages location data of a user participating in the activity, the computerized method comprising: receiving, by a computing device, user data, the user data including a plurality of user location points and a time associated with each of the plurality of user location points; calculating, by the computing device, a velocity of the user based on a pair of neighboring location points among the plurality of user location points and the times associated with the pair of neighboring location points; retrieving, by the computing device, transportation link information identifying a location of at least one train track and at least one road; determining, by the computing device, a first distance between each of the plurality of user location points and each of the at least one train track, yielding a plurality of first distances; determining, by the computing device, a second distance between each of the plurality of user location points and each of the at least one road, yielding a plurality of second distances; predicting, by the computing device, that the user is traveling on a train based on the plurality of first distances, the plurality of second distances, the velocity of the user, and past activities of the user; identifying, by the computing device, an instance of the train based on a schedule of a specific vehicle associated with the train; processing, by the computing device, a payment amount for the user based on the instance of the train; and transmitting, by the computing device, a notification that the payment amount for the user was received while the user is traveling on the instance of the train. receiving, by a computing device, user data, the user data including a plurality of user location points and a time associated with each of the plurality of user location points; calculating, by the computing device, a velocity of the user based on a pair of neighboring location points among the plurality of user location points and the times associated with the pair of neighboring location points; retrieving, by the computing device, transportation link information identifying a location of at least one train track and at least one road; determining, by the computing device, a first distance between each of the plurality of user location points and each of the at least one train track, yielding a plurality of first distances; determining, by the computing device, a second distance between each of the plurality of user location points and each of the at least one road, yielding a plurality of second distances; predicting, by the computing device, that the user is traveling on a train based on the plurality of first distances, the plurality of second distances, the velocity of the user, and past activities of the user; identifying, by the computing device, an instance of the train based on a schedule of a specific vehicle associated with the train; processing, by the computing device, a payment amount for the user based on the instance of the train; and transmitting, by the computing device, a notification that the payment amount for the user was received while the user is traveling on the instance of the train.