A method of regulating usage and/or concession eligibility in a smart card system is described herein. A card acceptance location (110) detects a presence of a smart card and determines its identification code. The card acceptance location (110) checks the identification code against a list stored locally at the card acceptance location (110). The card acceptance location (110) received the list from a second device. If the identification code of the smart card is listed on the list, the card acceptance location (110) performs an action on the smart card.