Patent ID: 8662390

Claim:
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 timepass record comprises: receiving the timepass record representing an advance purchase of a fare product; and indicating the first transit account identified by the timepass 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 not enabled for a timepass product; and applying a non-timepass fare rule.