On-line authorization in access environment

A system comprising:

• a processor, and
• a computer readable medium coupled to the processor, the computer readable medium comprising code that, when executed by the processor, causes the processor to:
• receive an authorization request message comprising a request to charge a predetermined fare from a fare device in an online authorization process after a portable consumer device associated with a user interacts with the fare device, wherein the authorization request message is received directly from the fare device without passing through an acquirer;
• determine risk level associated with the authorization request message;
• generate an authorization response message authorizing or declining the request;
• and
• transmit the authorization response message to the fare device.

A method comprising:

• receiving, by a server computer, an authorization request message comprising a request to charge a predetermined fare from a fare device in an online authorization process after a portable consumer device associated with a user interacts with the fare device, wherein the authorization request message is received directly from the fare device without passing through an acquirer;
• determining, by the server computer, a risk level associated with the authorization request message;
• generating, by the server computer, an authorization response message authorizing or declining the request;
• and
• transmitting, by the server computer, the authorization response message to the fare device.