Access control bypass on mobile for mass transit

A contactless transaction terminal for interacting with a payment enabled mobile device to permit access to a location or to a service comprising:

• a processor;
• a polling signal generator operably connected to the processor;
• an NFC circuit operably connected to the polling signal generator;
• a receiver operably connected to the NFC circuit and to a data recovery circuit, wherein the data recovery circuit is operably connected to the processor;
• and
• a storage device operably connected to the processor, wherein the storage device stores program instructions which when executed cause the processor to:
• generate, via the polling signal generator, short-distance radio signals comprising at least three polling signals including a Type A polling signal immediately followed by a first Type B polling signal and immediately followed by a second Type B polling signal;
• emit, via the NFC circuit, the short-distance radio signals comprising the at least three polling signals at frequent intervals for detection by a payment-enabled mobile device;
• receive at least one of a Type A or Type B signal, via the NFC circuit, receiver and the data recovery circuit, from the payment enabled mobile device;
• and
• permit access to at least one of a location or service.