Computer hardware, computer software, computer operating systems and computer peripherals therefor for integrating fare collection and payment system transactions; computer hardware, computer software, computer operating systems and computer peripherals therefor for fare collection and payment; computer hardware, computer software, computer operating systems and computer peripherals therefor for data and transaction management and analyses; computer hardware, computer software, computer operating systems and computer peripherals therefor for financial settlement and clearing; computer hardware, computer software, computer operating systems and computer peripherals therefor for tracking and influencing consumer behavior; computer hardware, computer software, computer operating systems and computer peripherals therefor for informing consumers' travel decisions, namely, providing travel advice and information; computer hardware, computer software, computer operating systems and computer peripherals therefor for tracking people's use of transportation and mass transit; computer hardware, computer software, computer operating systems and computer peripherals therefor for customer relationship management; serialized media, namely, encoded smart cards containing programming used for payment systems in the transportation field; magnetic encoded cards for debit, credit and stored value transactions used for payment systems in the transportation field; radio frequency identification (RFID) tags for use in connection with payment for services, namely, contactless credentials used for payment systems in the transportation field; encoded smart cards containing programming for use with payment systems in the transportation field; RFID tags used as contactless credentials for account-based payment in the transportation field; magnetically encoded stored value cards for use with payment systems in the transportation field; smart card readers; magnetic encoded card readers; near field communication (NFC) technology-enabled readers