Mass Transit
Our company has developed ITMXs Local Switching system to support Mass Transit transactions in the Intra-day process and deferred Authorization for contactless debit card payments, in order to facilitate the joint ticketing project of the Office of Transport and Traffic Policy and Planning (OTP). This promotes the use of debit cards as a replacement for public transportation and metro fare cards.
Intra-day Process Flow
- Debit card holder tapping card on the contactless payment card reader at the ticket gates at the Mass Rapid Transit (MRT) stations of the Public Transportation Operator (PTO) using contactless debit card of the participating bank of ITMX’s Local Switching – Mass Transit.
- PTO checks the data received from the chip card as follows.
- Is the data in the chip correct?
- Is the card on the Deny List?
- Has the card expired? - After the verification of PTO, the next action will be determined as follows:
3.1 If the verification has been approved, the first-trip of the day will be allowed (the gate open). After the customer passed through the gate of MRT, the PTO's Back Office system will send an Account Verification Request (AVR) to ITMX’s Local Switching system for online checking the card's status with the card issuer. The result of the AVR checking will lead to these actions:
- If AVR approved, the PTO will allow to use this card for the next trip.
- If AVR rejected, the PTO will add the card into the Deny List to prevent it from being used for the next trip.
3.2 If the verification hasn’t been approved, the first-trip of the day will be not allowed (the gate not open). - At the end of the day, PTO and the acquirer will collect all debit card transactions used at the MRT in aggregated payment amount for each card and send approval request to ITMX's Local Switching System for the deferred authorization with the Issuer.
4.1 If the deferred authorization approved, customer account will be debited.
4.2 If the deferred authorization rejected, the PTO will add card data to the Deny List to prevent it from being used for the next trip due to the rejection and the Debt Recovery process will be applied.
Qualifications of the Applicant
The members of the Local Switching – Mass Transit must meet these criteria:
- Being an Issuer of ITMX’s Local Switching System
- Subscribe a new service of Mass Transit with additional development of Intra-day process.
Revocation of Membership
- Membership status will be terminated if:
Withdrawn as allowed to engage in commercial banking business under the Financial Institutions Business Act of 2008 or no longer qualifies as a bank established under specific laws. - Withdrawn from the license to engage in the payment service business under the Payment Systems Act of 2017.
- Withdrawn from the license to use the system according to the announcement of the Personal Data Protection Committee’s measures for preventing and suppressing technology-related crimes of 2023.
of Service
Benefits
Using a debit card for mass transit has several benefits:
- Convenience: Debit cards are easy to carry and use.
- Contactless Payments: Simply tap and go.
- Track Expenses : Debit card transactions are recorded.
- Environment Friendly: Contributing to a more environmentally friendly public transportation system.
The company recognizes the importance of various information technology data, which are transaction details that come into the CFR system. Therefore, it places great importance on establishing a secure information technology system related to CFR services to meet the highest security standards, equivalent to international levels ISO/IEC 27001, ISO/IEC27701, and PCIDSS. The data security is strictly protected from both physical and logical access. For data storage, data encryption applications are used, including Encrypt Sensitive Data with a Tokenizer, and the keys used for encrypting/decrypting the data are stored in HSM devices, which are highly secure.
Security
