rbt
Senior Member
It gets into how quick the transaction is though. I'm sure you've sat there for your VISA sometimes waiting for it to authorize. You can't be having transactions that slow at a fare gate.
There are two ways of making the system reasonably fast:
1) Let everybody go through quickly and batch authorize later (minutes, not hours or days) and push a black-list out to card readers every few minutes. You would lose the occassional fare but they wouldn't be able to make a transfer and POP enforcement would also get them.
With all-door boarding and no fare gates on the back-doors of streetcars and buses, checking payment in real-time is a lost cause. Many will simply board a back door and not swipe (or fake swipe; common in London) and nobody will say anything.
POP enforcement officers, who already exist to catch people who opted out of paying, would perform a real-time authorization on cards in their black-list (cards which failed the first time around). People recorded as attempting a payment would be given a warning that they should call their bank. Repeat offenders may get a fine.
Drivers would also have the option to enable real-time authorization for customers on request. This allows a customer who fixed their problem (deposit to rectify insufficient balance) to get off the blacklist.
2) Push out a list of known-good card numbers. These would be cards which successfully authorized within the last 3 months and makes the process fast for most frequent users. An unknown card would require authorization to occur in real-time and provided that user rides TTC once every 3 months their loading time with that card would be fast from that point forward.
This method will cause longer lineups at a location like Union Station or the Airport with a large number of first time users but the Airport could solve that by allowing the ticket to be purchased prior to boarding.
Of course, it's pointless to do this unless all doors of all vehicles have fare-gates. No matter how fast the gate is it would slow down loading/unloading of buses over today.
3) Combination of the two. Vehicles using cell based data networks (buses, streetcars) could use a blacklist and subway stations with faster networks could use a whitelist method.
This is actually closer to how bank machines work. If they're on a wired network they perform actions with the central banking server in real-time. If they're on a slow network or disconnected for some reason, they push out transactions at the first available opportunity.
Bank machines have a periodic feed on stolen cards which is checked against during a network outage.
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