QUOTE(Lord Tiki Mick @ Jan 3 2014, 07:12 AM)
Nope. I think it is stored in the card. You can check your balance using smart tag device, offline. Plus if the balance is stored in a database, it'll not be Touch N Go, it'll be Touch N Wait Then Go. Also, if it's stored in a centralized server, there should be a way to top up your card online, but there's none.
If you know the APDU during top up, you might be able to hack your card and add extra credit. But I'm not so sure whether you can do it another time. They might have a record of how much balance you have based on top up and end of the day clearance. The next time you tried to use the card, it's already blocked.
Just a theory.
you are partially correct in the sense that whenever you use your card, it is instant with no wait time.If you know the APDU during top up, you might be able to hack your card and add extra credit. But I'm not so sure whether you can do it another time. They might have a record of how much balance you have based on top up and end of the day clearance. The next time you tried to use the card, it's already blocked.
Just a theory.
however you are also wrong because , as some ppl already commented, the transactions/balance will be synched with the server.
fyi, it is possible to top up using ATM machine but you have to physically place the card on the ATM to update the balance in the card.
why they dont allow internet reload ? reason is because it is physically impossible for users to update the balance in the card.
summary: balance is stored in both card and server.
This post has been edited by sootienann: Jan 9 2014, 07:53 PM
Jan 9 2014, 07:52 PM

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