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Fare Collection Back Office

A Fare Collection Back Office (FCBO) is the central system that manages, processes, and reconciles fare payments in a public transportation network. It plays a crucial role in modern fare collection by handling transactions from various payment sources, ensuring accurate revenue distribution, and supporting real-time operational insights.

Fare Collection Backoffice also controls all transactions generated by fare collection devices such as validators, gates, ticketing machines, mobile apps, and payment platforms. It ensures secure fare processing, revenue management, and seamless integration across transport modes and operators.

Key Features

Transaction Processing & Management
Centralized processing of all fare transactions from multiple channels in real time or batch mode.

Fare Rules & Policy Engine
Configurable fare structures including distance-based, zone-based, time-based fares, caps, passes, and concessions.

Account Management
Supports account-based ticketing with passenger profiles, travel history, and balance management.

Clearing & Settlement
Automated reconciliation and revenue sharing across operators, banks, and payment service providers.

Payment Integration
Supports UPI, EMV cards, wallets, QR payments, and closed-loop payment instruments.

Security & Compliance
PCI-DSS compliance, encryption, tokenization, fraud detection, and audit logging.

Analytics & Reporting
Dashboards for revenue, ridership, operational performance, and policy analysis.

Device & Operator Management
Monitoring and configuration of field devices, operators, and service providers.

Customer Care & Dispute Handling
Refunds, chargebacks, complaints, and customer service workflows.

Key Benefits

For Transport Authorities & Operators
Centralized control and transparency
Improved revenue assurance and reduced leakage
Flexible fare policy implementation
Faster reconciliation and settlements
Scalable architecture for future expansion

For Passengers
Seamless and consistent travel experience
Accurate fare calculation and capping
Multiple payment options
Faster issue resolution and refunds

Key Advantages
Supports open loop, closed loop, and account-based ticketing
Real-time visibility into operations and revenue
SSecure, compliant, and future-ready architecture
Enables data-driven decision making

Uses of Fare Collection Backoffice

Public Transportation Systems
Metro, bus, suburban rail, tram, and ferry networks.

Multi-Modal & Multi-Operator Transit
Unified fare processing across different transport modes and agencies.

Account-Based & Open Loop Ticketing
Central fare calculation and post-paid processing.

Smart City & Urban Mobility Platforms
Integration with parking, bike sharing, and mobility-as-a-service (MaaS).

Enterprise & Institutional Transit
Corporate shuttle services and campus transport systems.

Key Functions

Transaction Processing

Collects and processes payments from multiple sources, such as contactless bank cards (open-loop), transit smart cards (closed-loop), mobile wallets, and QR codes.
Handles fare validation and fare capping rules.

Revenue Management & Settlement

Allocates fare payments to the appropriate transit agencies or operators.
Ensures financial reconciliation between banks, payment providers, and transport authorities.

Account-Based Ticketing (ABT) Support

Maintains customer accounts, allowing users to travel without needing a preloaded balance.
Processes post-payment settlements based on actual travel.

Data Analytics & Reporting

Provides insights into ridership trends, fare evasion, and system performance.
Helps optimize fare policies and detect fraudulent activities.

System Integration

Connects with various front-end devices (validators, kiosks, ticket vending machines).
Integrates with banking and financial systems for payment processing.

Security & Compliance

Ensures data security through encryption and tokenization.
Complies with transit payment standards (e.g., PCI-DSS for card payments).