Patent ID: 8881971

Claim:
A method of processing data initiated by a user, the method comprising: receiving, at an access agency central computer, transaction data comprising a primary account number (PAN), an expiry date associated with the PAN, a time, and date from a gate access device, which interacted with a prepaid portable consumer device presented by the user at the gate access device of an access agency for requested access and received and validated the PAN and the expiry date from the prepaid portable consumer device and allowed access to the user based on the validated PAN and expiry date, wherein the prepaid portable consumer device stores the primary account number and the expiry date and was previously personalized to the user by the access agency central computer and was issued by the access agency instead of a third party outside of the access agency environment; processing, at the access agency central computer, the transaction data from the gate access device and determining a fee amount at the access agency central computer for the requested access by performing a fare calculation at the access agency central computer based on the history of transactions for the prepaid portable consumer device and a fee policy defined by the access agency; determining, by the access agency central computer, an account balance based on the determined fee amount and a prior balance amount associated with the prepaid portable consumer device; and reconciling the determined account balance and account data associated with the prepaid portable consumer device at an access agency system computer and generating and sending an authorization response message from the access agency system computer to the access agency central computer.