Contactless prepaid product for transit fare collection
OwnerPhilip B. Dixon, Ayman Hammad +1inventors
InventorsPhilip B. Dixon, Ayman Hammad, Khalid El-Awady
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Abstract
Transaction processing in an offline environment for a prepaid product comprising a portable consumer device includes responding to presentation of the prepaid product at a reader for offline processing by initiating operation of the prepaid product, receiving data from the prepaid product at the reader that indicates the prepaid product is associated with a prepaid account balance, determining that the prepaid product is in a negative balance condition, and taking preventive action in response to the negative balance condition such that future acceptance of the prepaid product at a reader is prevented.
Claims17
-20. (canceled)
A comprising:
- receiving data from a first device for a current transaction with a second device, wherein the received data indicates that the first device is associated with an account, and wherein the first device operates in a locked status or a not locked status, and wherein the first device is a wireless communication device;
- determining that an account balance associated with the account would be in a negative balance condition if the transaction proceeds;
- and
- taking preventive action in response to the negative balance condition such that future acceptance of the first device to conduct a transaction with any other device is prevented, wherein taking preventive action comprises issuing a locking command to the first device, wherein the locking command is set at the first device,
- wherein setting the locking command comprises an instruction that causes the first device to execute a locking code that causes the first device to be unusable for subsequent transactions at the second device, wherein the first device receives the locking command in an over-the-air communication, and
- wherein the preventive action is not taken if the account balance was not determined to be in the negative balance condition.
A system comprising:
- one or more processors;
- and
- a computer readable medium coupled to the one or more processors, the computer readable medium comprising code, executable by the one or more processors, for implementing a method comprising
- receiving data from a first device for a current transaction with a second device, wherein the received data indicates that the first device is associated with an account, and wherein the first device operates in a locked status or a not locked status, and wherein the first device is a wireless communication device,
- determining that an account balance associated with the account would be in a negative balance condition if the transaction proceeds, and
- taking preventive action in response to the negative balance condition such that future acceptance of the first device to conduct a transaction with any other device is prevented, wherein taking preventive action comprises issuing a locking command to the first device, wherein the locking command is set at the first device,
- wherein setting the locking command comprises an instruction that causes the first device to execute a locking code that causes the first device to be unusable for subsequent transactions at the second device, wherein the first device receives the locking command in an over-the-air communication, and
- wherein the preventive action is not taken if the account balance was not determined to be in the negative balance condition.
Dependencies are inferred from the claim text.