Patent ID: 8825517

Claim:
A method comprising: receiving an indication of an interaction from a user at a gate access device that is capable of preventing access to a location; in response to receiving the indication, generating, by the gate access device, an authorization request message; transmitting the authorization request message to an issuer computer operated by an issuer for approval by way of a payment processing network in an online authorization process for immediate authorization or decline, wherein the authorization request message does not pass through an acquirer as the authorization request message passes from the gate access device to the issuer computer, wherein the authorization request message includes a request to charge a predetermined amount of money, wherein the location is a transit location and the gate access device is a transit gate access device, wherein at least one of the transit location and the gate access device is managed by a transit agency, and wherein the transit agency is different than the issuer; receiving, by the gate access device, an authorization response message indicating that the charge is authorized by the issuer computer; and granting the user access to the location, by the gate access device, by actuating the gate access device in response to receiving the authorization request message from the issuer computer indicating that the charge is authorized, wherein the online authorization process including transmitting the authorization request message to the issuer computer and receiving the authorization response message from the issuer computer takes less than or equal to 300 milliseconds to complete, wherein the payment processing network performs fraud processing on the authorization request message before the authorization request message is received at the issuer computer and after the authorization request message is sent from the gate access device to the issuer computer.