Patent ID: 7809652

Claim:
A method comprising: reading data at a transit system reader in a transit system, wherein: a payment device is read by the transit system reader when presented in proximity thereto by a rider seeking to conduct an access transaction for access to a facility of the transit system; the payment device includes an encryption code for a Primary Account Number (PAN) of an account issued to the rider by an issuer; the transit system reader is not in real time communication with the issuer; the encryption code is an encryption of at least the PAN; the data read from the payment device includes the encryption code; and the transit system reader is not in real time communication with the issuer; without decrypting the encryption code to derive the PAN: checking, at within storage of a network device in communication with the transit system reader, a list of other said encryption codes to determine if the encryption code is on the list; and permitting, on the basis if whether the encryption code is on the list, the rider access to the facility of the transit system; and sending, from the transit system reader in the transit system, information corresponding to the access transaction, including the encryption code read by the transit system reader, for delivery to and use by an acquirer for the transit system for clearing and settlement with the issuer of the account to receive payment for the access transaction from the account.