Determining companion and joint cards in transit

摘要

#$%^&*AU2011239331B220150122.pdf#####ABSTRACT Embodiments of systems, methods, and machine-readable media are disclosed for detecting potential misuse of a primary account number (PAN) associated with a first handheld media in a transit system having one or more access points. Embodiments may creating a user accout and include enrolling the first handheld media for use as a fare media for a transit product, where the PAN is stored in the user account. Embodiments may further include receiving, a plurality of fare transaction records. Each fare transaction record may include the PAN associated with the first handheld media and a transaction identifier. Embodiments may additionally include determining a potential misuse of a handheld media associated with the PAN based, at least in part, on the relationship between a plurality of the transaction identifiers. In response, an action may be taken related to using the first handheld media as a fare media for the transit product.1/15 Financial 160 Institution 180 120 Funding -165 Mobile Transit Source Device Application w Source 150 170 Financial Network Mobile Carrier 100 130-1 112 1140 130-2 Central WNStation |I Ticketing System System S. 130-n fCentral Data 190 Store Customer Central Control service center FIG. 1