The invention provides consumers with the services of multiple cards or
accounts while allowing consumers to carry a single card, transponder,
code and/or other access device. Because the card may access combined
services such as financial transaction services and transportation
services, the system may facilitate charging the financial account for
the transportation services. The system may allow the consumer to use
loyalty points or geographic based loyalty points to pay for the
transportation services. The system may also limit the use of certain
loyalty points based upon the geographic area for certain transportation
services in certain geographic areas.