Overview
ISO/TR 14806:2013 - "Intelligent transport systems - Public transport requirements for the use of payment applications for fare media" provides guidance on how bank-issued payment applications (especially contactless/EMV contactless) can be used as fare media in public transport. The Technical Report documents public transport operator (PTO) requirements, functional options, and lifecycle considerations for using payment applications to enable access, validation and fare management for both occasional and regular travellers.
Key topics and technical requirements
- Use cases: Defines typical scenarios (product purchase and loading, access with PTO product data, pay-on-validation single journeys, post-journey payment, entitlement-based access) and maps them to payment application capabilities.
- Payment application types and storage: Describes storage options including short-life scratchpad areas and longer-life Transit Data Areas (TDAs) for limited transit product data. Emphasises that storage may be constrained and not suitable for full season-tickets in all cases.
- Supported transaction types: Outlines payment and transit transaction modes relevant to validation points and back-office reconciliation.
- Security and trust model: Specifies expectations for the level of security, certification and associated trust between issuers, acquirers and PTOs. References payment-scheme certification processes (e.g., EMVCo).
- Multi-application considerations: Requirements for media hosting multiple applications (payment + transport) including selection and lifecycle management.
- Testing and certification: Guidance on RF protocol testing, terminal and payment application certification, transaction time targets and integration ease for front-end equipment.
- Revenue protection and inspection: Addresses validation/inspection implications when using payment applications for entitlement.
- Customer data privacy: Notes privacy expectations and handling of customer data.
- Commercial and interoperability notes: Annex A provides a business-rules checklist; Annex B explores interoperability options between PTOs and payment application schemes.
Practical applications and target users
Who uses this standard:
- Public Transport Operators (PTOs) planning to accept contactless payment applications for fare collection.
- System integrators and ticketing solution vendors designing validators, back-office integration and fare-management systems.
- Payment application issuers, acquirers and scheme operators coordinating technical and commercial acceptance rules.
- Test labs and certifiers validating EMV/contactless behaviour and transaction interoperability.
Practical uses:
- Defining procurement requirements for validators and fare systems.
- Mapping transport use cases to payment application features (e.g., scratchpad vs TDA).
- Drafting contracts between PTOs and payment industry stakeholders to ensure secure, privacy-preserving acceptance of payment media.
Related standards
- ISO/TR 24014-3 (multi-application media reference in the report)
- ISO 24014-1 (fare management roles)
- EMV contactless specifications and payment-scheme rules (e.g., Visa, MasterCard) as implementation dependencies
Keywords: ISO/TR 14806:2013, intelligent transport systems, payment applications, public transport, contactless, EMV, transit data area, fare media, ticketing, payment interoperability.