Google Wallet for Transit เปิดใช้โซลูชันใหม่ที่อิงตามบัญชี ซึ่งบริษัทขนส่งจะมีบัญชีแบ็กเอนด์สำหรับผู้ใช้แต่ละราย ในกรณีนี้ โทรศัพท์จะเก็บเฉพาะตัวระบุบัญชี และแหล่งข้อมูลที่เชื่อถือได้จะอยู่ในเซิร์ฟเวอร์ของบริษัทขนส่ง ซึ่งคล้ายกับรูปแบบบัญชีธนาคารทั่วไป
Google Wallet รองรับโทเค็นการขนส่งสาธารณะที่อิงตาม EMVCo ซึ่งอธิบายไว้ที่นี่ว่าเป็นบัตรป้ายกำกับส่วนตัว (PLC) และทำหน้าที่เป็นตัวระบุบัญชี โซลูชันนี้ใช้เทคโนโลยีเดียวกับการชำระเงินแบบ Open Loop สำหรับการขนส่งไปยังเครื่องปลายทาง แต่ PLC ใช้งานได้เฉพาะในเครือข่ายของบริษัทขนส่งเท่านั้น
ผู้ให้บริการขนส่งมวลชน (PTO) ที่รองรับการชำระเงินแบบ Open Loop อยู่แล้วจะใช้เทคโนโลยีเดียวกับ EMVCo ในโปรแกรมตรวจสอบค่าโดยสารได้
[null,null,["อัปเดตล่าสุด 2025-07-25 UTC"],[[["\u003cp\u003eGoogle Wallet offers two closed loop transit solutions: card emulation and account-based tokens, both usable only within the agency's network.\u003c/p\u003e\n"],["\u003cp\u003eCard emulation mirrors physical cards, suitable for agencies with complex fare rules and existing validator infrastructure.\u003c/p\u003e\n"],["\u003cp\u003eAccount-based tokens utilize a backend system similar to bank accounts, ideal for agencies already supporting open loop payments.\u003c/p\u003e\n"],["\u003cp\u003eBoth solutions allow users to purchase, store, and manage virtual transit cards with various fare options, including prepaid balances and passes.\u003c/p\u003e\n"],["\u003cp\u003eUsers can easily top-up balances or purchase additional tickets through Google Wallet or the agency's app.\u003c/p\u003e\n"]]],["Google Wallet for Transit offers two closed-loop solutions: emulating physical transit cards and using account-based tokens. Emulation mirrors existing plastic card behavior, suitable for agencies with complex fare rules. Account-based solutions utilize tokens, acting as account identifiers on the agency's server, similar to bank accounts. Both allow users to store, purchase, and manage virtual transit cards with balances or passes, view transactions, and top-up funds directly in Google Wallet or agency apps.\n"],null,["Google Wallet for Transit has two different solutions that are termed *closed\nloop*:\n\n1. The emulation of closed loop cards\n2. The ability to save and convey a token that represents a backend account\n\nIn both cases, these transit cards can only be used within the transit agency's network.\n\nEmulation of closed loop cards\n\nGoogle Wallet for Transit enables the emulation of closed loop cards for public transit\nagencies with popular protocols such as MIFARE DESFire and MIFARE Plus, CMD2 (ITSO), and others.\nThis solution acts the same way as a physical card, where the phone is the source of truth and the\nphone simply emulates the behavior of a typical closed loop plastic card.\n\nThis lets Public Transit Operators (PTOs) issue virtual cards with the same protocols used by\ntheir existing fare validators. This is most suitable for agencies with complex fare rules on the\ngate terminals who don't plan to enable an account-based system.\n\nFor more details, see\n[Prerequisites](/wallet/tickets/closed-loop/get-started/prerequisites).\n\nAccount-based cards with tokens on the phone\n\nGoogle Wallet for Transit enables new account-based solutions, where the transit agency\nmaintains a backend account for each user. In this case, the phone only holds an account\nidentifier, and the source of truth is on the transit agency server. This is similar to a typical\nbank account model.\n\nGoogle Wallet supports EMVCo-based transit tokens, described here as a Private Label Card\n(PLC), and acts as the account identifier. This solution uses the same technology as open loop\npayments for the conveyance to the terminal, but the PLC is usable only within the network of the\ntransit agency.\n\nPublic Transit Operators (PTOs) who already support open loop payments can use the same\nEMVCo-based technology on their fare validators.\n\nFor more details, see\n[Prerequisites](/wallet/tickets/closed-loop/get-started/prerequisites?protocol=private-label).\n\nSolution\n\nTransit agencies that integrate with one of the preceding solutions can let users purchase and\nstore a virtual transit card on their mobile device. These cards can have a prepaid balance,\npasses, or both. The cards show important information, such as available balance, and ticket\ndetails like expiry, validity of pass, recent transactions, or travel history.\n\nUsers can also top-up their balance or purchase additional tickets directly through\nGoogle Wallet or through a transit agency's own app. There is minimal visual UI difference\nbetween a closed loop card and an account-based card."]]
