How FareGo Open Payment works
The first transaction with an unknown card
When using a cEMV card in a FareGo Open Payment System for the first time, the passenger simply holds the card in front of the reader when boarding. It makes no difference to the passenger whether he uses his card for the first time or again for a trip in the system.
The reader, also called validator, identifies the card number, the validity date and the sequence number of the cEMV card and encrypts this information, which acts as a unique identifier for all following processes. This encrypted identifier is transmitted to the central background system FareGo Suite, which recognizes that the card is a previously unknown card. An anonymous account is created, which stores the tokenized ID data of the cEMV card as well as the information for route construction and fare calculation.
To check the validity of the unknown cEMV card, the system sends a request to the payment service provider. If the result is negative, the card is automatically placed on a blocking list and the information is distributed to the field devices by means of so-called hashes, which also consist of the three encrypted ID data of the card. In order to provide maximum security when processing this sensitive information, the system is certified according to the highest security standards of the credit card industry (Payment Card Industry, or PCI for short).
Each time passengers board or disembark, they hold their cEMV card in front of the validator, which encrypts the card's ID data, performs a list comparison and transmits it to the background system. For each transaction, the background system performs a route construction and calculates the applicable fare.
According to a best price calculation, all trips made with a card within one business day are combined into one payment request. For example, a day ticket is calculated if it is cheaper than the sum of the individual trips made.
The payment request is sent to the payment service provider or the acquirer, who processes all payment requests and forwards them to the cardholder's banks.
In order to check whether the passenger holds his cEMV card in front of the validator when boarding and thus has a valid driving authorization, the card is held in front of the mobile control terminal of the controller. The control terminal sends a check request to the background system and shows whether a valid driving authorization is present or not.
Management of trips and payments
Passengers can register their card in a web portal to view and track their trips and payments. Alternatively, they can contact the customer service of the transportation provider, who can also access this information in a web portal.