Near Real-Time Workflow
The near real-time workflow begins when the cardholder taps a payment card at the validator
to enter the transit system.
Figure:
Near Real-Time Workflow
- The validator checks the deny list for the payment card.
- When the card is on the deny list due to a previous failed payment, the validator does not open the gate, and the payment is processed through a debt recovery workflow. See the Debt Recovery Workflows.
- When the card is not on the deny list, the validator opens the transit gate for the cardholder to travel.
- A new transient token is generated for processing the account verification request (AVR).
- The back office sends an account verification request (AVR) toCybersource.
- When the AVR fails, the card is added to the deny list and might be eligible for the first ride risk debt recovery.
- When the AVR is successful, the card data is used to track subsequent taps, calculate fares for the day, and capture the deferred authorization.