Determining companion and joint cards in transit

摘要

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 account 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.