Oyster card

The Oyster card is a form of electronic ticketing used on public transport services within the Greater London area of the United Kingdom. It is promoted by Transport for London and is valid on a number of different travel systems across London including London Underground, buses, the Docklands Light Railway (DLR), London Overground, trams, some river boat services and most National Rail services within the London Fare Zones.

A standard Oyster card is a blue credit-card-sized stored value card which can hold a variety of single tickets, period tickets and travel permits which must be added to the card prior to travel. It is also a contactless smartcard which passengers must touch onto an electronic reader when entering and leaving the transport system in order to validate it or deduct funds. The cards may be "recharged" in person from numerous sales points, by recurring payment authority or by online purchase. The card is designed to reduce the number of transactions at ticket offices and the number of single paper tickets sold on the London transport network. Use is encouraged by offering substantially cheaper fares on Oyster than payment with cash.

The card was first issued to the public in July 2003 with a limited range of features and there continues to be a phased introduction of further functions. By June 2010 over 34 million Oyster cards had been issued, and more than 80% of all journeys on services run by Transport for London used the Oyster card.

Operator
The Oyster card system was set up under a Private Finance Initiative (PFI) contract between TfL and TranSys, a consortium of suppliers which includes EDS and Cubic Corporation (who are responsible for the day-to-day management of the system) and Fujitsu and WS Atkins (shareholders with no active involvement in running the system). The £100 million contract was signed in 1998 and was due to run for a term of 17 years until 2015 at a total cost of £1.1 billion. In August 2008, TfL decided to exercise a break option in the contract to terminate the operating agreement in 2010, five years early. The termination of the contract followed a number of technical failures in the system. TfL, however, stated that the contractual break was not connected to the system failures, but was due to cost savings. In November 2008, a new contract was announced between TfL and Cubic and EDS, which would see two of the original consortium shareholders running the Oyster system from 2010 until 2013.

Brand
The Oyster brand name was agreed after a lengthy period of research managed by TranSys, the company contracted to deliver the ticketing system in London, and agreed by Transport for London. Several names were considered, and Oyster was chosen as a fresh approach that was not directly linked to either transport, ticketing or London. According to Andrew McCrum, now of Appella brand name consultants, who was brought in to find a name by Saatchi and Saatchi Design (in turn contracted by TranSys), Oyster was conceived and subsequently promoted because of the metaphorical implications of security and value in the component meanings of the hard bivalve shell and the concealed pearl; the association of London and the River Thames with oysters and the well-known travel-related idiom "the world is your oyster".

With the Octopus card in Hong Kong being the first contactless smart card system in the world (introduced in 1997) there had also been a similarly named prototype.

The intellectual property rights to the Oyster brand originally belonged to the operator Transys. Following renegotiation of the operating contract in 2008, TfL sought to retain the right to use the Oyster brand after the termination of its partnership with Transys, eventually acquiring the rights to the brand in 2010 at a cost of £1 million.

Technology
The Oyster card is a contactless smartcard, with a claimed proximity range of about 8 cm (3 inches). The card operates as a RFID system and is compatible with ISO 14443A standards although the Oyster readers can also read other types of cards including ISO14443B and Cubic Go-Cards. From its inception until January 2010, Oyster cards were based on NXP/Philips' MIFARE standard 1k chips provided by Giesecke & Devrient, Gemalto and SchlumbergerSema. Since December 2009 all new Oyster cards are being produced using the MIFARE DESFire chips. From February 2010 MiFare based Oyster cards nor no longer being issued to the public. DESFire cards are now widely used in transport smartcard systems.

MiFare and DESFire chips, on which the Oyster card is based are memory smartcards, meaning that they do not have any computing power of their own. They are activated only when they are in an electromagnetic field compatible with ISO14443A. The Oyster readers provide this electromagnetic field. The readers read information from the cards, carry out computation to check whether to allow travel and to assess the payable fare and write back information to the card. Some basic information about the MiFare or DESFire chip can be read by any ISO14443A compatible reader but further, Oyster specific information cannot be read without access to the encryption used for the Oyster system. While it has been suggested that a good reader could read personal details from quite a distance there has been no evidence of anyone being able to unencrypt Oyster information. By design the cards do not carry any personal information, such as names, addresses, etc. Aluminium shielding has been suggested by people to prevent any personal data from being read.

As a smartcard system, the Oyster card uses a distributed settlement framework. All transactions are settled between the card and reader alone. Readers transmit the transactions to the back office in batches but there is no need for this to be done in real time. The Oyster back office system acts mainly as a record of transactions that have been completed between cards and readers. This provides a high degree of resilience in the system.

In 2008 a fashion caught on for removing the RFID chip from Oyster cards and attaching it to wrist watches and bracelets. This allowed commuters to pass through the gates by "swiping" their hand without the need to take out a proper card. Although the RFID chips were charged in the normal way and no fare evasion was involved, TfL disapproved of the practice and threatened to fine anyone not carrying a full, undamaged card.

Architecture
The Oyster system is based on a closed, proprietary architecture from Cubic Transportation Systems. The card readers were developed entirely by Cubic, whereas development of the back office systems was started by Fujitsu and completed by Cubic. The system has the capability to interface with equipment or services provided by other suppliers. The Oyster website is not part of the closed system but interfaces with it. Similarly, Oyster readers are now embedded into ticket machines produced by Shere and Scheidt and Bachmann on the national rail network.

In early 2007, TfL and Deloitte worked together to migrate the on-line payment systems to a more open architecture, using a number of open source components such as Linux, to resolve issues of lock-in costs, updates, incorporation of new security standards of PCI DSS, non-scalability, low and inconsistent quality of service, and slower response time to business changes.

Registration and protection
Oyster cards can be registered or protectedundefined for loss or theft. Full registration can be done at a London Underground station, an Oyster Ticket Stop (shop) or a Travel Information Centre: an Oyster registration form must be filled in (either at time of purchase or subsequently). Registration enables the customer to buy any product for the card and to have an after-sales service, and it protects against theft or loss. The customer has to supply a Security Answer: either their mother's maiden name, memorable date or memorable place. All adult Oyster cards purchased online or by phone are fully registered. (This does not include Visitor Oyster cards.)

Oyster cards obtained at stations or shops cannot be fully registered online. However, a customer can protect their Oyster card online by setting up an Oyster online account and recording their card to that account. This allows for a full protection against theft or loss, but the Oyster card will only be able to hold 7 day season tickets and / or pay as you go.

Sales
Oyster cards can be purchased from a number of different outlets in the London area:
 * London Underground or London Overground ticket windows
 * cash-only vending machines at some stations, they charge £5 for the card (£3 refundable deposit and £2 worth of credit)
 * about 4,000 Oyster Ticket Stop agents (usually newsagent shops)
 * selected National Rail stations, some of which are also served by London Underground
 * Travel Information Centres
 * online via the Oystercard website
 * by telephone sales from TfL.

Visitor Oyster cards can also be bought from Visit Britain outlets around the world, other transport operators, such as EasyJet and Gatwick Express.

A refundable deposit of £3 is paid for all new Oyster cards. A registration form is provided at the time of purchase. If the form is not completed the Oyster card is restricted to Pay as you go and weekly tickets.

Ticket vending machines on most national rail stations top-up Oyster cards and sell tickets that can be loaded on to Oyster. This facility is not available at stations operated by Southwest Trains, except Wimbledon and Richmond, where pre-existing arrangements have meant that Oyster cards have been available for many years. New Oyster cards are not available at most National Rail stations and termini. At several main line termini, TfL run Travel Information Centres which do sell Oyster.

Reporting
Touch screen ticket machines report the last eight journeys and last top-up amount. The same information is available as a print-out from ticket offices, and also on-board London Buses by request. The balance is displayed on some Underground barriers at the end of journeys that have caused a debit from the balance and can also be requested at newsagents and National Rail stations that provide a top-up facility.

A complete 8 week 'touch' history can be requested from Transport for London: For registered and protected Oyster cards, Transport for London can provide the history for the previous 8 weeks, but no further back. The Oyster website gives details of the most recent journeys charged to pay as you go if, and only if, credit has been purchased online at least once. It does not show journeys paid for by Travelcard.

Touching in and out
Travellers touch the card on a distinctive yellow circular reader (a Cubic Tri-Reader) on the automated barriers at London Underground stations to 'touch in' and 'touch out' at the start and end of a journey (contact is not necessary, but the range of the reader is only a few mm). Tram stops and buses also have readers, on the driver/conductor's ticket machine and, in articulated buses, near the other entrances also.

Oyster cards can be used to store both period travelcards and bus passes (of one week or more), and a Pay as you go balance.

The system is asynchronous, the current balance and ticket data being held electronically on the card rather than in the central database. The main database is updated periodically with information received from the card by barriers and validators. Tickets bought online or over the telephone are "loaded" at a barrier or validator at a preselected location.

Season tickets
An Oyster card can hold up to three season tickets at the same time. Season tickets are Bus & Tram Passes or Travelcards lasting 7 days, 1 month, or any duration up to one year (annual).

There is no essential difference in validity or cost between a 7 day, monthly or longer period Travelcard on Oyster and one on a traditional paper ticket; they are valid on all Underground, Overground, DLR, bus, tram and national rail services within the zones purchased. See the main article for a fuller explanation of Travelcards. Note that you can use Tube, DLR and London Overground Travelcards on buses in all zones and trams if your Travelcard includes Zones 3, 4, 5 or 6.

Although TfL ask all Oyster users to swipe their card at entry/exit points of their journey, in practice Travelcard holders only need to "touch in" and "touch out" to operate ticket barriers or because they intend to travel outside the zones for which their Travelcard is valid. As long as the Travelcard holder stays within their permitted zones no fare will be deducted from the pay as you go funds on the card. The Oyster system checks that the Travelcard is valid in the zones it is being used in.

Travel outside zones
If the user travels outside the valid zones of their Travelcard (but within Oyster payment zones), any remaining fare due may be deducted from their pay as you go funds (see below for how this is calculated). However, if this journey may involve the use of a National Rail service, the user is required to declare their intention to travel outside the zone in advance of travel by obtaining an Oyster Extension Permit (OEP). An OEP may be obtained free of charge from an Oyster ticket outlet (such as a Tube station or newsagent) but is not available from most National Rail stations. The OEP remains on the Oyster card until the user touches out at their destination, when the additional fare is deducted from PAYG funds, and the OEP is erased. If a user obtains an OEP and then fails to touch out, they will be charged a maximum fare. This OEP system was introduced in 2010 with the rollout on National Rail and is designed to ensure that Travelcard holders pay for extra-zonal journeys. If a user fails to obtain an OEP in advance of an extra-zonal journey, they may be liable to a penalty fare. OEPs are not required on London Overground. The OEP system has been criticised for its complex usability.

Renewals
When the Oyster card Travelcard is due to expire, it can be renewed at the normal sales points and ticket machines at London Underground or London Overground stations, Oyster Ticket Stop agents, or some National Rail stations. Travelcards can also be renewed online via the Oystercard website, or by telephone sales from TfL; users must then nominate a Tube station where they will swipe their card in order to charge up the card with the funds purchased. There are further restrictions on when an online purchase can be "collected" by swiping in at a station, after the date of online purchase (Travelcard: up to five days before start date until two days after the start date; pay as you go: from the day after order is placed for a total of 8 days). If the fare is purchased online before 23:00, it will be available the following day. For more Travelcard renewal information, see the section on Recharging in this article. Travelcard renewals cannot be added from a reader on a bus.

Pay as you go
In addition to holding Travelcards and bus passes, Oyster cards can also be used as stored-value cards, holding electronic funds of money. Amounts are deducted from the card each time it is used, and the funds can be "recharged" when required. The maximum value that an Oyster card may hold is £90. This system is known as "pay as you go" (abbreviated PAYG), because instead of holding a season ticket, the user only pays at the point of use.

When Oyster cards were first introduced, the PAYG system was initially named "pre pay", and this name is still sometimes used by National Rail. TfL officially refers to the system as "pay as you go" in all publicity.

The validity of PAYG has a more complex history as it has only been gradually accepted by transport operators independent of TfL. Additionally, the use of PAYG differs across the various modes of transport in London, and passengers are sometimes required to follow different procedures to pay for their journey correctly.

Oyster route validators
In 2009 TfL introduced a new type of Oyster card validator, distinguished from the standard yellow validators by having a pink-coloured reader. They do not deduct funds, but are used at peripheral interchange points to confirm journey details. Oyster Pay As You go users travelling between two points without passing through Zone 1 are eligible for a lower fare, and from 6 September 2009 can confirm their route by touching their Oyster Cards on the pink validators when they change trains, allowing them to be charged the appropriate fare without paying for Zone 1 travel. The pink validators are currently located at 13 key interchange stations:


 * Gospel Oak
 * Gunnersbury
 * Highbury & Islington
 * Kensington Olympia
 * Rayners Lane
 * Stratford
 * West Brompton
 * Willesden Junction
 * Blackhorse Road
 * Wimbledon
 * Richmond
 * Whitechapel
 * Canada Water

An example journey would be Watford Junction to Richmond, which costs £7.30 peak and £4.80 off-peak when travelling via Zone 1. If travelling on a route outside Zone 1 via Willesden Junction, the fares are £3.50 and £1.30 respectively, which can be charged correctly if the Oyster card is validated at the pink validator when changing trains at Willesden Junction.

Underground and DLR
Oyster card PAYG users must "touch in" at the start of a journey by London Underground or DLR, and "touch out" again at the end. The Oyster card readers automatically calculate the correct fare based on the start and end points of the journey and deduct that fare from the Oyster card. PAYG funds are also used to cover any additional fares due from season ticket holders who have travelled outside the valid zones of their season ticket (see Travelcards above).

Passengers enter or exit most London Underground stations through ticket barriers which are operated by swiping an Oyster card or other valid ticket. Some Tube stations (such as those at National Rail interchanges) and DLR stations have standalone validators with no barriers. In both instances, PAYG users are required to touch in and out.

London Overground
Although London Overground is technically part of National Rail, services are operated by Transport for London, and Oyster PAYG users use their cards in the same way as on Underground journeys, touching their card on a card reader at the entry and exit points of their journey to calculate the fare due.

Buses
Users must touch the Oyster card only once at the point of boarding: as London buses have a single flat fare there is no need to calculate an end point of the journey.

Some London bus routes cross outside the Greater London boundary before reaching their terminus. Pay As You Go users are permitted to travel the full length of these route on buses operated as part of the London Bus network, even to destinations some distance outside Greater London.

For routes operated under 'London Local Service Agreements', travel is possible using PAYG on route 84 as far as Potters Bar, and route 614 within Greater London. One anomaly is that 'London Service Permit' Routes 402 and 477 have a reduced cash fare of £1.20 within Greater London applies when an Oystercard with PAYG is shown however Oystercards with Bus Passes and Travelcards loaded onto them and Child Zip cards can be used free inside Greater London on Route 477 and to Knockholt Pound on Route 402.

Trams
As London's trams operate on the same fare structure as buses, the rules are similar and users with pre-pay must touch the Oyster card only once at the point of boarding (users with Travelcards valid for the Tramlink zones need not touch in).

A more complex arrangement exists at Wimbledon; tram passengers starting their journey at Wimbledon must pass through ticket gates in order to reach the tram platforms, and therefore need to swipe their Oyster card to open the barriers. They must then touch their Oyster card once again on the card reader on the Tramlink platform to confirm their journey as a tram passenger. Tram passengers arriving in Wimbledon must touch out to exit via the station gates, but must not touch out on the manual gate because this would be seen as a touch-in and cause a maximum cash fare of £7 to be charged to the card.

Users changing from London Underground to Tramlink should touch out at the District Line platforms, then touch in again at the Tramlink platform.

River
Passengers boarding a river bus service must present their Oyster card to the on-board ticket inspector who carries a hand-held card reader, and the appropriate fare is deducted from their pay as you go balance.

Oyster pay as you go is only valid to purchase tickets for London River Services boats operated by Thames Clippers. Pay as you go is not accepted for payment by other river boat operators.

National Rail
As with Underground and DLR journeys, Oyster PAYG users on National Rail must swipe their card at the start and end of the journey to pay the correct fare. PAYG funds may also be used to cover any additional fares due from season ticket holders who have travelled outside the valid zones of their season ticket, subject to the addition of an Oyster Extension Permit (see Travelcards above).

Many large National Rail stations in London have Oystercard-compatible barriers. At other smaller stations, users must touch the card on a standalone validator.

Out of Station Interchange (OSI)
At a number of Tube, DLR, London Overground and National Rail stations which lie in close proximity, or where interchange requires passengers to pass through ticket barriers, an Out of Station Interchange (OSI) is permitted. In such cases, the card holder touch out at one station and then touch in again before starting the next leg of the journey. The PAYG fares are then combined and charged as a single journey. Examples include transferring between the Jubilee Line at Canary Wharf, and the DLR where Oyster card holders must swipe their card at the ticket barriers in the Tube station, and then touch in on the validator at the DLR station. Balham (National Rail) to/from Balham (Tube) is another OSI, as is Camden Town (Tube) to/from Camden Road (London Overground). Failure to touch in or out on the validators in these circumstances will incur a maximum fare which is deducted from PAYG funds.

Recharging
When the PAYG balance runs low, the balance can be topped up at the normal sales points or ticket machines at London Underground or London Overground stations, Oyster Ticket Stops or some National Rail stations. All ticket offices at stations run by London Underground will sell or recharge Oyster cards, or handle Oyster card refunds. However, some Tube stations are actually operated by National Rail train operating companies, and their ticket offices will not deal with Oyster refunds. DLR ticket offices do not sell any Oyster card top-ups or handle refunds.

PAYG funds and Travelcard season tickets (but not Bus & Tram Passes) can also be purchased online via the Oyster online website or by calling the Oyster helpline; users must then select one station or tram stop where they will validate their card in order to load the funds or Travelcard purchased. This should be done as part of a normal journey to avoid the risk of paying an Oyster maximum fare.

If the customer is purchasing PAYG, the top up will be at the gates of their nominated station, or Tramlink stop the next day (ready for first train, provided they made the purchase before 11 PM the previous night). It will remain at the gates for 7 further days before dropping off the system.

If the customer purchases a Travelcard season ticket, it will 'arrive' at the gates, up to 5 days before the start date of the ticket and will remain there until 2 days after the ticket has started. If the customer does not make their pick up in time, it will take a further 14 days to refund automatically to the bank card they made the purchase with. Top-ups of this type cannot be added from a reader on a bus.

For further information on recharging and renewals, see the section on Renewals in this article.

Auto top-up
Customers can set up and manage Auto top-up online for their existing Oyster card. They register a debit or credit card, make a PAYG top-up purchase (minimum £5) and select either £20 or £40 as the Auto top-up amount. Alternatively, a new Oyster card with Auto top-up and a mimimum of £5 pay as you go can be ordered via Oyster online.

There is a constraint in the design, that requires a journey to be made via a nominated station, before auto top-up can be enabled. There are a number of services such as Thames Clippers, for which this initiation transaction is not offered, thus preventing the use of Auto topup or transaction logging.

Whenever the pay as you go balance falls below £5 (£8 from 2 January 2011), £20 or £40 is added to the balance automatically when the Oyster card is touched on an entry validator. A light on the Oyster reader flashes to indicate the Auto top-up has taken place and an email is sent to confirm the transaction. Payment is then taken from the registered debit or credit card.

To ensure successful transactions, customers must record any changes to their billing address and update their debit or credit card details as necessary.

Oyster photocards
Oyster photocards, with an image of the authorised user on the card front, are issued to members of groups eligible for free or discounted travel. The cards are encoded to offer discounted fares and are currently available for students in full-time education (30% off season tickets), 16+ cards (half the adult-rate for single journeys on the Underground, London Overground, DLR and a limited number of National Rail services, discounted period Travelcards, free travel on buses and trams for students that live and attend full-time education in London) and for children under 16 years old (free travel on buses and trams and discounted single fares on the Underground, London Overground, DLR and most National Rail services). A Freedom Pass, with separate non-Oyster photocard, is issued to those over 60 or with disabilities for free travel by their local Borough.

Student cards
Student Oyster photocards offering a 30% discount on period tickets, are available to full-time students over 18 at registered institutions within the area of the M25 motorway, an area slightly larger than Greater London, at a cost of £10. Until 2009-10 academic year they cost £5 but required replacing each year of multiple year courses. There is no discount for Pay as you go, although many students hold the National Rail 16-25 Railcard, which can be added to an Oyster card at an Underground station ticket office to obtain a 1/3 reduction on off-peak caps and a 1/3 discount on off-peak Oyster single fares on National Rail (NB peak National Rail fares may be cheaper with discounted paper tickets). A small selection of universities outside London have also registered on the scheme.

A replacement for lost/stolen cards cost £5 and involves applying for a replacement card online or by calling the Oyster helpline. A new photograph is not required. The funds/remaining travel is non-transferable to a new student Oyster and is refundable instead. The refund of a lost/stolen Oyster card is based on the original pro-rata daily rate. Thus if you lose an annual student Oyster, the refund will not cover the remainder of the year due to the higher monthly/weekly pro-rata charges for the remainder of the year. This can leave students at a considerable disadvantage (adults receive replacement card and existing travel).

Since 8 September 2006, students at some London universities have been able to apply for their student photocard online by uploading a digital image and paying with a credit or debit card. According to Transport for London, other universities are expected to join the scheme.

Zip cards
On 7 January 2008 Transport for London unveiled the Zip card, a free Oyster photocard to be used by young people aged 18 years or under who qualify for free bus and tram travel within the capital, with effect from 1 June 2008. To qualify, one must live in a London borough (and still be in full-time education if between 16 and 18). Children outside of London (and indeed the UK) can also apply for a Visitor version of the Zip card (which offers free bus and tram travel for under 16s, and half-rate fares for 16-18 year olds) online, which they must collect from one of TfL's Travel Information Centres. From September 1, 2010 a fee of £10 will be charged for the card.

Freedom Passes
Freedom passes are generally issued on what is technically an Oystercard. Freedom passes are free travel pass issued to Londoners who are over a specified age (60 until March 2010, increasing in phases to 65 from March 2020) or disabled. Travel is free at all times on the Tube, DLR, buses and Tramlink, and after 09:30 on some National Rail routes within London. Customers cannot put any money or ticket products on a Freedom pass; to travel outside these times a separate Oyster card or other valid ticket is required.

Oyster and credit card


A credit card variant of the Oyster card was launched by Barclaycard in September 2007 and is called OnePulse. The card combines standard Oyster card functionality with Visa credit card facilities. The Barclaycard OnePulse incorporates contactless payment technology, allowing most transactions up to £15 to be carried out without the need to enter a PIN (unlike the Chip and PIN system).

In 2005 Transport for London shortlisted two financial services suppliers, Barclaycard and American Express, to add e-money payment capability to the Oyster card. Barclaycard was selected in December 2006 to supply the card, but the project was then temporarily shelved. The OnePulse card subsequently launched using a combination of Oyster and Visa, but with no e-money functionality.

Validity
A number of different ticket types can be held on an Oyster card, and validity varies across the different transport modes within London. Oyster Extension Permits are required for Travelcard users starting a journey within their Travelcard zones but travelling beyond their zones on a National Rail service.

= Valid or required. = Not valid or not required. = Heathrow Connect: Not valid between Hayes and Harlington and Heathrow Airport. = River: PAYG only available on Thames Clipper; Travelcards only provide discount, not valid for travel. !  =  must include Zone 3,4,5 or 6

TfL services
Oyster Card is operated by Transport for London and has been valid on all London Underground, London buses, DLR and London Tramlink services since its launch in 2003.

National Rail
The introduction of Oyster pay as you go on the National Rail commuter rail network in London was phased in gradually over a period of about six years (see Roll-out history). Since January 2010, PAYG has been valid on all London suburban rail services which currently accept Travelcards. Additionally, PAYG may be used at a selected number of stations which lie just outside the zones. New maps were issued in January 2010 which illustrates where PAYG is now valid.

Certain limitations remain on National Rail, however; Oyster PAYG is NOT valid anywhere on Heathrow Express, Heathrow Connect between Hayes and Harlington and Heathrow Airport, on ANY Southeastern High speed services or on the forthcoming Olympic Javelin Shuttle. Other airport express services (Gatwick Express, Stansted Express and First Capital Connect Luton Airport services) all run outside the Travelcard zones, so PAYG is not valid on those services either.

In November 2007 the metro routes operated by Silverlink were brought under the control of TfL and operated under the brand name London Overground. From the first day of operation, Oyster PAYG became valid on all Overground routes.

London River Services
Since 23 November 2009, Oyster PAYG has been valid on London River Services boats which are operated by Thames Clippers only. Oyster cards are accepted for all Thames Clippers scheduled services, the Hilton Docklands ferry, the "Tate to Tate" service and the O2 Express. Discounts on standard fares are offered to Oyster card holders, except on the O2 Express. The daily price capping guarantee does not apply to journeys made on Thames Clippers.

Pricing
The pricing system is fairly complex, and changes from time to time. The most up to date fares can be found on Transport for London's FareFinder website (see External links).

To encourage passengers to switch to Oyster, cash fares are generally much more expensive than PAYG fares (including Bus and Tram fares):

A cash bus or tram fare is £2, while the single Oyster fare is £1.20, but capped at £3.90 for any number of trips in a day. Using pay as you go, a single trip on the Tube within Zone 1 costs £1.80 (compared to £4 cash), or from £1.30 (£3.50 cash) within any other single zone.

Fare capping
A 'capping' system was introduced on 27 February 2005, which means that an Oyster card will be charged no more than the nearest equivalent Day Travelcard for a day's travel, providing that the card has been touched in and out correctly for all rail journeys.

Holders of Disabled Persons, HM Forces, Senior, 16-25 National Rail Railcards and Annual Gold Cards (as of 23 May 2010) receive a 34% reduction in the off-peak price cap; Railcard discounts can be loaded on to Oyster Cards at Underground, Overground and some National Rail ticket offices.

Price capping does not apply to PAYG fares on London River Services boats.

Bus & Tram Discount
On 20 August 2007, a 'Bus and Tram Discount photocard' became available for London Oyster card users who received Income Support. It allows them to pay only £0.60 for a one way bus trip (capped at £1.95 for any number of trips in a day), and to buy half price period bus passes. This was the result of a deal between Transport for London and Petróleos de Venezuela to provide fuel for London buses at a 20% discount. In return Transport for London agreed to open an office in the Venezuelan capital Caracas to offer expertise on town planning, tourism, public protection and environmental issues.

The deal with Venezuela was ended by Mayor Boris Johnson shortly after he took office, and the Bus and Tram Discount photocard scheme closed to new applications on 20 August 2008; Johnson said that "TfL will honour the discount [on existing cards] until the six month time periods on cards have run out".

The Bus and Tram Discount Scheme reopened on 2 January 2009, this time funded by London fare payers. The scheme has been extended to people receiving Employment Support Allowance (ESA) and to those receiving Job Seekers Allowance for 13 weeks or more.

River boat discounts
Boats operated by Thames Clippers offer a 10% discount on standard fares to Oyster PAYG users, except on their O2 Express service, and a 33% discount to passengers carrying Oyster cards which have been loaded with a valid period Travelcard.

Penalty fares and maximum Oyster fare
In order to prevent "misuse" by a stated 2% of passengers, from 19 November 2006 Pay-as-you-go users who do not both 'touch in' at the start and 'touch out' at the end of their  rail network journeys are charged a "maximum Oyster fare" - currently up to £7 (presumably depending on whether journeys have been made during or outside peak times) for most journeys, or more if the journey begins or ends at certain National Rail stations. Depending on the journey made, the difference between this maximum fare and the actual fare due is automatically refunded to the user's Oyster card upon touching out.

Users must touch in and out even if the ticket barriers are open. At stations where Oyster is accepted but that do not have ticket barriers, an Oyster validator will be provided for the purposes of touching in and out. The maximum Oyster fare applies even if the daily price cap has been reached and does not count towards the cap.

Maximum Oyster fares may be contested by telephone to the Oyster helpline on 0845 330 9876. This involves providing the Oyster card number and the relevant journey details; further journeys appearing on the card are helpful to validate the user's claim.

If the claim is accepted then the maximum Oyster fare minus the cost of the journey will be refunded. The user will be asked to nominate and make a journey from a specific Tube, DLR, London Overground or National Rail station, or Tramlink stop. On touching 'in', the refund is loaded to the card. The customer should make the pick up as part of his or her regular travel pattern. This is because when they touch the reader with their Oyster card, not only will the refund go on to the card, but a new journey will start.

The refund can be 'available' at the nominated station from the next day and will remain there for 8 days in total. After this time the refund will be deleted from the gate line, and the customer will have to re-request the refund.

Oyster users who do not touch in before making a journey may be liable to pay a penalty fare (currently £50) and/or reported for prosecution if caught by a revenue protection inspector.

Roll-out history
The roll-out of Oyster features and migration from the paper-based system has been phased. Milestones so far have been:


 * London Underground ticket barriers, bus ticket machines, Docklands Light Railway stations and Tramlink stops fitted with validators. Cards issued to Transport for London, London Underground, and bus operator staff (2002)
 * Cards issued to the public for annual and monthly tickets (2003)
 * Freedom Passes issued on Oyster (2004)
 * Pay as you go (PAYG, first called 'prepay') launched on London Underground, DLR, and the parts of National Rail where Underground fares had previously been valid. (January 2004)
 * Off-Peak Oyster single fares launched (January 2004)
 * Annual tickets available only on Oyster (2004)
 * Monthly tickets available only on Oyster, unless purchased from a station operated by a train company rather than TfL (2004)
 * Payg on buses (May 2004)
 * Daily price capping (February 2005)
 * Student Oyster Photocards for students over 18 (early 2005)
 * Oyster Child Photocards for under 16s—free travel on buses and reduced fares on trains (August 2005)
 * Automatic top-up (September 2005)
 * Weekly tickets available only on Oyster (September 2005)
 * Oyster single fares cost up to 33% less than paper tickets (January 2006)
 * Auto top-up on buses and trams (June 2006)
 * Journey history for Pay as you go transactions available online (July 2006)
 * Ability for active and retired railway staff who have a staff travel card to obtain privilege travel fares on the Underground with Oyster (July 2006)
 * £4 or £5 'maximum cash fare' charged for Pay as you go journeys without a 'touch in' and 'touch out' (November 2006)
 * Oyster Card for visitors branded cards launched and sold by Gatwick Express.
 * Oyster PAYG extended to London Overground (11 November 2007)
 * Holders of Railcards (but not Network Railcard) can link their Railcard to Oyster to have PAYG capped at 34% below the normal rate since 2 January 2008.
 * Oyster PAYG can be used to buy tickets on river services operated by Thames Clipper (23 November 2009)
 * Oyster PAYG extended to National Rail (2 January 2010)

Roll-out on National Rail
The National Rail network is mostly outside the control of Transport for London, and passenger services are run by number of independent rail companies. Because of this, acceptance of Oyster PAYG on National Rail services was subject to the policy of each individual company and the roll-out of PAYG was much slower than on TfL services. For the first six years of Oyster, rollout on National Rail was gradual and uneven, with validity limited to specific lines and stations.

Several rail companies have historically accepted London Underground single fares because they duplicate London Underground routes, and they adopted the Oyster PAYG on those sections of the line which run alongside the Underground. When TfL took over the former Silverlink Metro railway lines, PAYG was rolled out on the first day of operation of London Overground. As a consequence, some rail operators whose services run parallel to London Overground lines were forced to accept PAYG, although only after some initial hesitation.

Examples of these services include London Midland trains from Watford Junction to London Euston and Southern trains to Clapham Junction.

The process of persuading the various rail firms involved a long process of negotiation between the London Mayors and train operating companies. In 2005 Ken Livingstone (then Mayor of London) began a process of trying to persuade National Rail train operating companies to allow Oyster PAYG on all of their services within London, but a dispute about ticketing prevented this plan from going ahead. After further negotiations, Transport for London offered to fund the train operating companies with £20m to provide Oyster facilities in London stations; this resulted in an outline agreement to introduce PAYG acceptance across the entire London rail network.

TfL announced a National Rail rollout date of May 2009, but negotiation with the private rail firms continued to fail and the rollout was delayed to 2010. Oyster readers were installed at many National Rail stations across London, but they remained covered up and not in use. In November 2009 it was finally confirmed that that PAYG would be valid on National Rail from January 2010. The rollout was accompanied by the introduction of a new system of Oyster Extension Permits to allow travelcard holders to travel outside their designated zones on National Rail. This system was introduced to address the revenue protection concerns of the rail companies, but it has been criticised for its complexity.

Impact
Since the introduction of the Oyster card, the number of customers paying cash fares on buses has dropped dramatically. In addition, usage of station ticket offices has dropped, to the extent that in June 2007, TfL announced that a number of their ticket offices would close, with some others reducing their opening hours. TfL suggested that the staff would be 're-deployed' elsewhere on the network, including as train drivers.

In August 2010 the issue of the impact of the Oyster card on staffing returned. In response to The National Union of Rail, Maritime and Transport Workers (RMT) ballot for a strike over planned job cuts, TfL stated that the increase in people using Oyster electronic ticketing cards meant only one in 20 journeys now involved interaction with a ticket office. As a result it aims to reduce staff in ticket offices and elsewhere while deploying more workers to help passengers in stations.

Usage statistics
By June 2010 over 34 million cards have been issued of which around 7 million are in regular use. More than 80% of all tube journeys and more than 90% of all bus journeys use Oyster. Around 38% of all Tube journeys and 21% of all bus journeys are made using Oyster pay as you go. Use of single tickets has declined and stands at roughly 1.5% of all bus journeys and 3% of all Tube journeys.

Beyond London
Oyster PAYG is now valid at c2c stations Purfleet, Ockendon, Chafford Hundred and Grays in Thurrock (Essex).

However the one day paper travel card is currently cheaper than the maximum daily cap on Oyster PAYG due to the zone/fare information being directly copied from Watford Junction station.

When ITSO smartcards are introduced to the National Rail network, it will be possible to load tickets sold outside London but valid in London for use on the Oyster estate. There are no current plans to accept ITSO stored travel rights, or pay as you go, in the Oyster area.

Designs
Trial versions, Transport for London staff versions and the first version of the standard Oyster card for the public were originally released with the roundels on the front of the cards in red. Standard issues of the Oyster card have been updated since the first public release in order to meet TfL's Design Standards.

So far, there have been three issues of the standard Oyster card, including the original red roundel issue, but all three Oyster cards have retained their original dimensions of 85mm x 55mm, with Oyster card number and reference number located in the top right hand corner and bottom right hand corner of the back of the card respectively, along with the terms and conditions.

The second issue of the standard Oyster card saw 'Transport for London' branding on the back of the card, along with the Mayor of London (having replaced just the 'LONDON' branding in the blue segment of the card's back). The roundel on the front of the card was changed from the colour red to white, as white was seen to represent Transport for London (whereas a red roundel is more known to represent London Buses).

The most recent issue of the standard Oyster card sees TfL branding on the front of the Oyster card, having removed it from the back of the card from the previous issue. The Mayor of London branding has also been moved from the blue segment from the back of the card to underneath the terms and conditions, where it is more prominent.

Oyster card holder/wallet
With the release of the Oyster card, TfL released an accompanying Oyster card holder to replace the existing designs, previously sponsored by companies such as Yellow Pages and Direct Line, as well as London Underground's and London Buses own releases of the holder which came without advertising.

The official Oyster branded holders have only been redesigned twice, keeping up with various versions of the Oyster card. However, in 2007 the Oyster Card wallets were redesigned and are now black.

In March 2007 the Oyster card holder was redesigned by British designers including Katharine Hamnett, Frostfrench and Gharani Strok for Oxfam's I'm In campaign to end world poverty. The designer wallets were available for a limited period of time from Oxfam's street teams in London who handed them out to people who signed up to the I'm In movement. Also, to celebrate 100 years of the Piccadilly Line, a series of limited edition Oyster card wallets were commissioned from selected artists from the Thin Cities Platform for Art project. Any new Oyster cards are now given with black wallets that display the Oyster logo and the Transport for London roundel. The previous wallets handed out were sponsored by Ikea who also sponsor the tube map, and did not display the Oyster or the London Underground logos.

In addition to the official wallets distributed by TfL, which may or may not carry advertising for a sponsor, Oyster card holders and wallets are sometimes used as a marketing tool by other organisations seeking to promote their identity or activities. Such items are normally given away free, either with products or handed out to the public.

Staff cards
The standard public Oyster card is blue, but colour variants are used by transport staff; a pale blue version is issued to TfL Staff, purple cards for bus operators and red for retired TfL staff.

Privacy
The system has been criticised as a threat to the privacy of its users. Each Oyster card is uniquely numbered, and registration is required for monthly or longer tickets, which are no longer available on paper. Limited usage data is stored on the card. Journey and transaction history is held centrally by Transport for London for up to 8 weeks, after which the transactions and journey history are disassociated from the Oyster card and cannot be re-associated; full registration details are held centrally and not on individual Oyster cards; recent usage can be checked by anyone in possession of the card at some ticket machines.

The police have used Oyster card data as an investigative tool, and this use is increasing. Between August 2004 and March 2006 TfL's Information Access and Compliance Team received 436 requests from the police for Oyster card information. Of these, 409 requests were granted and the data were released to the police. Additionally, in 2008 news reports indicated that the security services were seeking access to all Oyster card data for the purposes of counter-terrorism. Such access is currently not provided to the security services.

As yet, there have been no reports of customer data being misused, outside the terms of the registration agreement. There have been no reports of Oyster data being lost.

Design
The system has been criticised for usability issues in general system, website and top-up machine design.

Oyster PAYG users, on London Underground, DLR, National Rail and London Overground services are required always to "touch in" and "touch out" to cause the correct fare to be charged. This requirement is less obviously enforced at stations where there are only standalone Oyster validators rather than ticket barriers. Without a physical barrier, PAYG users may simply forget to "touch in" or fail to touch their card correctly, which will result in a maximum fare being charged. Equally, if the barriers do not function (reading 'SEEK ASSISTANCE') and the TfL operative has to open the gates manually, then the maximum fare may be charged. If this occurs a refund may be requested by telephoning the Oyster helpline the day after the incident occurs (to allow time for the central computers to be updated); the overcharged amount can be added back to the PAYG balance on the card from the following day when the Oyster card is used to make a journey.

The use of Oyster cards on buses has been subject to criticism following a number of prosecutions by TfL of passengers who had failed to "touch in" correctly on boarding a bus. In particular, problems have been highlighted in connection with the quality of error messages given to passengers when touching in has failed for any reason. In one case, a passenger successfully appealed against his conviction for fare evasion when the court noted that the passenger believed he had paid for his journey because the Oyster reader did not give sufficient error warning.

The PAYG system has a minimum entry threshold, set at the fare for the cheapest journey from the entry point. Due to capping, this entry threshold may be zero for some users if they have reached the daily cap. The PAYG system allows cards to go into a negative balance but further entry into the system is prohibited as the entry threshold cannot be met with a card in negative balance, even if a valid travelcard is loaded onto the card. As a result, ticket barriers will not open for entry when the user swipes their card if the card has a negative PAYG balance. This can be a problem in isolated areas with only a single location where an Oyster card can be topped up—such as the local newsagent—and the top-up machine had broken down.

If an Oyster card with a remaining value stops working, the user must fill in a form for a new card, and all the details are transferred across to the new card. The users must then update the Oyster card details manually on the Oyster card website in order to continue with any online sales. Unless the user is careful, it is possible to inadvertently purchase tickets online for the old card.

Pay as you go cannot be added to a Freedom Pass (used for free travel by Londoners with a qualifying disability or Londoners over 60), even though the Freedom Pass is not valid before 09:30 on some National Rail services and an alternative payment is necessary.

The management of all student versions of the Oyster Card is tied to the academic year and requires all of London's secondary school students (especially those between 16 and 18) to apply for new cards within the same four-week period in September, as their cards expire at the end of the month. Any pay as you held on the current card can only be transferred to the new card by telephoning Oyster card customer services. Remaining Travelcard value cannot be transferred and must instead be refunded by cheque. This is mitigated in part by 11-15 cards remaining valid from first issue until the end of the academic year in which the cardholder turns 16.

Technical faults
In January 2004, on the day that the pay as you go system went live on all Oyster cards, some season ticket passengers were prevented from making a second journey on their travelcard. Upon investigation each had a negative prepay balance. This was widely reported as a major bug in the system. However, the reason for the "bug" was that some season ticket holders were passing through zones not included on their tickets. The existing paper system could not prevent this kind of misuse as the barriers only checked if a paper ticket was valid in the zone the barrier was in.

On 10 March 2005 an incorrect data table meant that the Oyster system was inoperable during the morning rush hour. Ticket barriers had to be left open and Pay as you go fares could not be collected.

On 12 July 2008 an incorrect data table disabled an estimated 72,000 Oystercards, including Travelcards, Staff Passes, Freedom Passes, Child Oystercards and other electronic tickets. The Oyster system was shut down and later restarted during traffic hours. Some customers already in the system were overcharged. Refunds were given to those affected and all disabled cards were replaced. Freedom Pass holders had to apply to their local authority for replacement passes (as these are not managed by TfL).

A further system failure occurred two weeks later on 25 July 2008, when pay as you go cards were not read properly.

The difference between pay as you go and Travelcards
Transport for London promoted the Oyster card at launch with many adverts seeking to portray it as an alternative to the paper Travelcard. In late 2005 the Advertising Standards Authority ordered the withdrawal of one such poster which claimed that Oyster pay as you go was "more convenient" than Travelcards with "no need to plan in advance". The ASA ruled that the two products were not directly comparable, mainly because the pay as you go facility was not valid on most National Rail routes at the time.

Transport for London makes a significant profit from excess fares deducted for those travelling using PAYG and failing to touch out as they exit stations. According to information obtained under the Freedom of Information Act TfL made £32m from pay as you go cards of which £18m was maximum fares for failing to touch out. Only £803,000 was paid in refunds, showing that whilst customers can apply for a refund, most do not. The maximum fares for failing to touch out were introduced late 2006. It is up to the customer to ensure they have validated their card correctly for their journey.

Validity on National Rail
Until the roll-out of Oyster PAYG on National Rail in January 2010, the validity of PAYG was not consistent across different modes of transport within London, and this gave rise to confusion for Oyster PAYG users. Many passengers were caught out trying to use Pay as you go on rail routes where it was not valid.

On some National Rail routes where PAYG was valid, Oyster validators had not been installed at some intermediate stations. While Oyster PAYG users could legally travel along those lines to certain destinations, they were not permitted to board or alight at intermediate stations. If their journey began or ended at an intermediate station, they would be unable to touch out and consequently be liable for penalty fares or prosecution.

The complexity of Oyster validity on these routes was criticised for increasing the risk of passengers inadvertently failing to pay the correct fare. Criticism was also levelled at train operating companies for failing to provide adequate warnings to passengers about Oyster validity on their routes and for not installing Oyster readers at certain stations.

TfL published guides to the limitations of PAYG validity diagrammatic maps illustrating PAYG validity were published in November 2006 by National Rail, but these were rarely on display at stations and had to be obtained from transport websites.

Online and telesales
Oyster card ticket renewals and PAYG top-ups made online allow users to make purchases without the need to go to a ticket office or vending machine. However there are certain limitations to this system:
 * tickets and PAYG funds can only be added to the Oyster card from the day after purchase;
 * users must select a station or tram stop where they must touch in or out as part of a normal journey to complete the purchase (as cards cannot be credited remotely);
 * users must nominate the station in advance - failure to enter or exit via this station means that the ticket is not added to the card;
 * tickets purchased in this way cannot be added from a bus reader (due to these not being fixed in a permanent location).

Security issues
In June 2008, researchers at the Radboud University in Nijmegen, the Netherlands, who had previously succeeded in hacking OV-chipkaart (Dutch public transport system), hacked an Oyster card, which is also based on the MIFARE Classic chip. They scanned a card reader to obtain its cryptographic key, then used a wireless antenna attached to a laptop computer to brush up against passengers on the London Underground and extract the information from their cards. With that information they were able to clone a card, add credit to it, and use it to travel on the Underground for at least a day. The MIFARE chip manufacturers NXP Semiconductor sought a court injunction to prevent the publication of the details of this security breach, but this was overturned on appeal.

The Mifare Classic—which is also used as a security pass for controlling entry into buildings—has been criticised as having very poor security, and NXP criticised for trying to ensure security by secrecy rather than strong encryption. "The security of Mifare Classic is terrible. This is not an exaggeration; it's kindergarten cryptography. Anyone with any security experience would be embarrassed to put his name to the design. NXP attempted to deal with this embarrassment by keeping the design secret". Breaching security on Oyster cards should not allow unauthorised use for more than a day, as TfL promises to turn off any cloned cards within 24 hours, but a cloned Mifare Classic can allow entry into buildings that use this system for security.

Strategic research
Transport for London, in partnership with academic institutions such as MIT, has begun to use the data captured by the Oyster smartcard system for strategic research purposes, with the general goal of using Oyster data to gain cheap and accurate insights into the behaviour and experience of passengers. Specific projects include estimation of Origin-Destination Matrices for the London Underground, analysis of bus-to-bus and bus-to-tube interchange behaviour, modelling and analysis of TfL-wide fare policy changes, and measurement of service quality on the London Overground.