Techniques are provided herein that enable local fare processing for access control points (entry gates, turnstiles, etc.) in a transit or similar system that can detect fraudulent activity far more quickly than fare processing systems using traditional blacklists or whitelists—and even detecting fraudulent activity at a first occurrence. Embodiments take advantage of the relatively high communication speed and memory capacity of modern transit systems to generate a list of all applicable cards with usage data such as the time of last use, value, or other “one directional data,” provide it to each access control point in the system. The access control point, upon reading fare media, can then compare the data on the fare media to data on the list to determine whether fraud may be taking place. The access control point may then determine whether to allow access, flag the fare media, and/or take another action.
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