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Re:Apple Pay’s long road to paying off is getting shorter by zamnos on Tuesday April 25, 2023 @05:26AM (#35698216)
If you name the transit authority doing this, it'd be possible to look at what the iPhone/Android phone is actually doing. One possibility is the information being shared when using the NFC isn't your CPAN or DPAN at all, but is a 3rd identifier with which they deanonymize you.
Re:Apple Pay’s long road to paying off is getting shorter by rswail on Tuesday April 25, 2023 @05:43AM (#35698319)
If you use an EMV card in transit, then the Visa/MC rules say that the same card must be used to pay for the fare.

Transit providers are not allowed to use the EMV card purely as "identification".

I answered elsewhere on the thread about how the transit provider is able to use the EMV as an identifier after it has been used for payment, with a one way hash sent to the transit provider.

Re:Apple Pay’s long road to paying off is getting shorter by _rs on Tuesday April 25, 2023 @08:57AM (#35699824)
I believe OMNY is one system which operates as OP is describing