PASSENGER BEHAVIOUR RATING FOR IMPROVED RISK MANAGEMENT IN TRANSIT SYSTEMS

摘要

A communication is received from a fare media which includes a token associated with a transit account and a risk score based on a usage history of the account which is indicative of a likelihood of default associated with the account. One or more positive or negative lists are received from a server. Positive lists include first account identifiers associated with accounts in good standing. Negative lists include account identifiers associated with accounts in poor standing. A determination whether the token is associated with an account represented by one of the first or one of the second account identifiers is made. A determination, based on the risk score or the determination of the association of the token is made whether to grant access to the transit system. Information related to the determination of whether to grant access is communicated to the server. Access is granted to the transit system.