Open Banking Model for Fare Collection. CTST May 2008
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1 Open Banking Model for Fare Collection CTST May 2008, 2008
2 ACS Transportation Solutions Over Twenty-Five Years of Transit Fare Collection Experience Transit smart card and magnetic tickets 100 million Daily Transit Transactions 1,000 agencies Built System to Support New York City PayPass Pilot Installation and maintenance of bank card readers Payment transaction processing and financial reconciliation & reporting Customer Service Web and telephone support Account based central management system with fare calculations Transaction aggregation Leading EZPass Service Platform 12 E-ZPass Systems 90% of daily E-ZPass transactions 6 million accounts $2.7 Billion ETC Transactions annually Slide 2
3 ACS and Standards Calypso: Paris & Optile Network (Paris Suburbs) Marseille, Toulouse, Lyon Milan, Naples, Venice Mexico City, Montreal, New Jersey Demonstration RIS/UTFS/CFMS: Supported Specification Development Bankcard Standards: New York City Transit Contactless Subway Trial Toll Collection, Parking and other Bankcard Systems Slide 3
4 Why do we want standards? Independence from single vendor Cost savings to buyer from increased competition Facilitate use new technologies Interoperability across systems/agencies Economies of scale to seller Focus Innovation Quality improves with standards & certification Slide 4
5 Bankcard Industry Standards Contact/Contactless Card ISO 7816/14443 Contactless Payment Specifications (Card & Reader) Bankcard Originated Messages Security Certification Process PayPass, PayWave, Express Pay, Zip, etc. Specific data requirements ISO 8583 Other formats PCI For All Specification Compliance Slide 5
6 Bankcard Ecosystem-Estimated Volumes 2.6 billion cards 21,000 banks $6.8 Trillion Processed 60 Billion Transactions 170+ Countries 29 million acceptance locations Environments On line & Off line terminals Face to face, Phone sales, Web sales Card present, card not present New card sizes Key fobs, NFC phones, etc. All working together efficiently across the world for multiple brands Slide 6
7 Typical Solution Approach Stand alone Bus Card Reader Processes transactions off-line, using application software that interfaces to card for needed data Data Exchanged via WiFi Transaction data uploaded to Operator system Software downloads to Reader: Updating hot lists, action lists Software maintenance Supports Sales Devices TVM, Retail and Central Office POS Typical Metro Slide 7
8 Bankcard Standards Based Transit Implementation Phone SMS IVR Customer Care Internet Customers Standard Credit, debit, prepaid cards & Devices Certified Contactless Payment Devices Transit Agency Subway Bus WebServer Several Communication Network Options Cellular WiFi Fiber Agency Account $ Transit Payment Platform Fare Payment Data Communications & Authorizations Reconciliation Payment Processing/ Aggregation Issuing Banks MasterCard,Visa, AMEX Acquiring Bank Slide 8
9 Account-Based Fare Collection Model Cellular Network Approach can meet millisecond response requirement No limitation on fare policy or transit products with back office system Much easier to change rules No action listing or downloads to devices Aggregate transactions before submitting to payment network Different rules apply for MasterCard, Visa and Amex Lowers card acceptance costs Customer Service has Live Data Web sites Call Center and IVR Mobile Devices Several card options to cover gaps with bank issued contactless cards Slide 9
10 Conclusions and Comments Bankcard Standards are well supported and successful in many industries Application to Transit can be done using an Account Based Model Pilots in New York and Salt Lake are proving the value proposition Bankcards have migrated to several industries after technical and commercial hurdles were overcome - Is it now Transit s turn? Slide 10
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