Octopus Card

Shopping on line can be easy, simple and save you lots of money. It can also take a lot of your time, frustrate you, and result in unwanted purchases. Now the same can be said for regular high street shopping, but with the vast opportunity presented by the Internet it will pay you to spend a few minutes reading this and understanding how to better optimize your Octopus Card shopping experience:

1. Compare - without doubt the biggest advantage that the Octopus Card offers shoppers today is the ability to compare thousands of Octopus Card at a time. This is a great thing, but not necessarily all the time! Too much can be daunting at times so take advantage of the great comparison sites and where possible let them do the hard work for you.

2. Research - if it has been said it will be on the internet. Ignorance is no longer a justifiable reason for buying the wrong thing. Take the time to research in detail everything that you could possible want to know about

3. Testimonials - don't know anybody that has bought a Octopus Card? Wrong! If the Octopus Card is good the internet will let you know. Use the Internet as a friend and get testimonials before you buy.

4. Questions - Got a question about Octopus Card then search the Forums, FAQ's, Blogs etc. Don't be afraid to ask .....

5. Reputation - Never heard of the company selling Octopus Card? Don't worry, no reason why you should know every company in the world, but you know someone that does! Use the internet to find out what people are saying about Octopus Card and build up a picture of their reputation for sales, returns, customer service, delivery etc.

6. Returns - still worried that even after all of the above your Octopus Card wont be what you want? Check out the returns policy. There is so much competition now that someone, somewhere is bound to offer the terms that you are comfortable with.

7. Feedback - happy with your Octopus Card then let people know, after all you are depending on others people input in your buying decision, so why not give a little back.

8. Security - check for the yellow padlock on the Octopus Card site before you buy, and the s after http:/ /i.e. https:// = a secure site

9. Contact - got a question about Octopus Card, or want to leave a comment then check out the sites contact page. Reputable companies have them and respond.

10. Payment - ready to pay for your Octopus Card, then use your credit card or PayPal! Be aware of companies that don't accept them, there may be genuine reasons but given the huge amount of choice you have when buying online there is no reason at all not to buy via credit card or PayPal.

{{Chinese|pic=AdultOctopusCard.jpg|piccap=Front side of a standard Octopus Card for adults|t=|s=|j=baat3 daat6 tung1|y=baat daaht tùng|p=Bā Dá Tōng|w=Pa1 Ta2 T'ung1|l=See the "#Name and logo" section-->The Octopus card is a rechargeable Contactless payment stored value smart card used to transfer electronic moneys in online or offline systems in Hong Kong. Originally launched in September 1997 to collect fares for the city's mass transit system, the Octopus card system has since grown into a widely used payment system for virtually all public transport in Hong Kong. It is also used for payment at convenience stores, supermarkets, fast-food restaurants, on-street parking meters, car parks, and other point of sale applications such as filling station and vending machines. The Octopus card has been internationally recognised, winning the Chairman's Award of the World Information Technology and Services Alliance's 2006 Global IT Excellence Award for being the world's leading complex automatic fare collection and contactless smartcard payment system, and for its innovative use of technologies. According to Octopus Cards Limited, operator of the Octopus card system, there are more than 14 million cards in circulation, twice the population of Hong Kong. The cards are used by 95 percent of the population of Hong Kong aged 16 to 65, generating over 10 million daily transactions worth a total of about HK$29 billion (US$3.7 billion) a year.

History The Mass Transit Railway (MTR), one of Hong Kong's railways, adopted a system of recirculated magnetic plastic cards as fare tickets when it started operations in 1979. Another of the city's railways, the Kowloon-Canton Railway (KCR), adopted the same magnetic cards in 1984, and the stored value version was renamed Common Stored Value Tickets. In 1989, the Common Stored Value Tickets system was extended to Kowloon Motor Bus (KMB) buses providing a feeder service to MTR and KCR stations and to Citybus (Hong Kong), and was also extended to a limited number of non-transport applications, such as payments at photobooths and for fast food vouchers.

The MTR Corporation eventually decided to adopt more advanced technologies, and in 1993 announced that it would move towards using contactless smartcards. To gain wider acceptance, it partnered with four other major transit companies in Hong Kong to create a joint-venture business to operate the Octopus system in 1994, then known as Creative Star Limited. The Octopus system was launched after three years of trials on 1 September 1997. Three million cards were issued within the first three months of the system's launch. The main reason for the quick success of the system was that the MTR and KCR required that all holders of Common Stored Value Tickets replace their tickets with Octopus cards in three months or have their tickets made obsolete, thus forcing their combined base commuters to switch quickly. Another reason is the coin shortage in Hong Kong in 1997; there was a belief that the older Queen's Head Coins of the Hong Kong dollar will appreciate in value, so many people stockpiled the older coins and waited for their value to increase. The Octopus system was quickly adopted by other Creative Star joint venture partners, and KMB reported that by 2000, most bus journeys were completed using an Octopus card, with few coins used. Boarding a bus in Hong Kong without using the Octopus card requires giving exact change; this is cumbersome compared to using the Octopus card. By November 1998, 4.6 million cards were issued, and this rose to 9 million by January 2002.

In 2000, the Hong Kong Monetary Authority granted a deposit-taking company license to the operator, removing previous restrictions that prohibited Octopus from generating more than 15 percent of its turnover from non-transit related functions, thus allowing the Octopus card to be widely adopted for non-transit-related sales transactions. On 29 June 2003, the Octopus card found another application when the Hong Kong Government started to replace all its 18,000 parking meters with a new Octopus card operated system. The replacement was completed on 21 November 2004.

Name and logo The Cantonese (linguistics) name for the Octopus card, Baat Daaht Tùng (-->), literally means "eight-arrived pass". It was selected by the head of the MTR Corporation, the parent company of Octopus Cards Limited, in a naming competition held in 1996. The number eight is a significant number in Chinese language in that it is often used to indicate "many". For instance, the proverb sei tùng baat daaht (-->) is a common expression loosely translated as "reachable in all directions". It is also considered a Numbers in Chinese culture#Eight, and the phrase baat daaht can possibly be associated with the similar-sounding faat daaht which means "getting rich" (-->) in the local dialect.

The English language name Octopus card was also selected from the naming competition, and coincides with the number eight in the Cantonese name, since an octopus has eight tentacles. It is also particularly appropriate since an octopus is thought to be able to grab many things at the same time and this ability is conferred to its cardholders who can use it in many different types of transactions.

The logo used on the card features a Möbius strip twisted sideways and into the shape of the Arabic numerals for the number eight, 8, to indicate the card's "infinite" possibilities. The mathematical symbol for infinity, "∞", looks like a sideways 8 and is commonly thought to be derived from the Möbius strip.

Types of cards There are two main types of Octopus card (On-Loan and Sold), and two less common types (the Airport Express Tourist and the MTR Airport Staff).

On-Loan cards are issued for usage in day-to-day functions, primarily for fare payment in transport systems. No identification is required for the purchase of On-Loan cards. If an owner loses a card, only the stored value and the deposit of the card are lost. This type of Octopus card is anonymous; no personal information, bank account or credit card details are stored on the card. On-Loan cards are further classified into Child, Adult, Elder, and Personalised categories, with the first three based on age and different amounts of fare concession. On-Loan Octopus cards may be purchased at all MTR stations, all KCR stations, the KMB Customer Service Centre, New World First Ferry (NWFF) Octopus Service Centres, and the New World First Bus (NWFB) Customer Service Centre.

{] events such as Chinese New Year. These cards are sold at a premium, have limited or no initial stored value, and cannot be refunded, but they can otherwise be used as ordinary cards. An example of the Sold card is the Mcmug and Mcdull collection. It was launched at the end of January 2007 to coincide with the beginning of the Pig (zodiac), it features two differently designed versions of the card and is sold for HK$138 per set. Each set comes with an Adult Octopus card, with a pouch for the card, a matching strap and a Mcmug or Mcdull ornament. Octopus Cards Limited has launched new collections of these cards for such occasions as the Mid-Autumn Festival, the passing of the year 2004, and the release of the movie DragonBlade: The Legend of Lang. Sold Octopus cards may be purchased at selected MTR and KCR stations, and all 7-Eleven stores.

The special-purpose card, Airport Express Tourist Octopus, was introduced by Octopus Cards Limited to target Tourism in Hong Kong. Two versions of this card are offered, a HK$220 card with a free single ride on the Airport Express (MTR), the Mass Transit Railway (MTR) train line that runs between the Hong Kong International Airport and the urban areas of Hong Kong, and a HK$300 card with two free single rides included. The airport journeys are valid for 180 days from the date of purchase. Both versions allow three days of unlimited rides on the MTR and include a HK$50 refundable deposit. Usable value on these cards may be added if necessary. These tourist Octopus cards may be used only by tourists staying in Hong Kong for 14 or fewer days; users may be required to produce a passport showing their arrival date in Hong Kong. Airport Express Tourist Octopus is available for purchase at all MTR stations.

The other special-purpose card, the MTR Airport Staff Octopus, is available for the staff of Hong Kong International Airport and AsiaWorld-Expo, a convention centre close to the airport, for commuting at a reduced fare between the airport and MTR stations via the Airport Express. Staff who apply for the card may use it for a discount of up to 64 percent for Airport Express single journey fares. The MTR Airport Staff Octopus is available upon application via the company for which that a staff member works.

Card usage The Octopus card was introduced for fare payment on the MTR initially, but the use of the card quickly expanded for multiple other purposes. The card can now be used to pay fares for all public transport in Hong Kong and to make purchases for consumer products at many stores in the city; it is accepted by more than 160 merchants. Notable businesses that accept Octopus cards include PARKnSHOP, Watsons, 7-Eleven, Starbucks, McDonald's, and Circle K. The card can be used in many soft drink vending machines, pay phones, photo booths, parking meters, and car parks. Aside from consumer transactions, Octopus cards can also be used for access control in buildings and for school administrative functions. At certain office buildings, residential buildings, and schools, usage of an Octopus card is required to access their facilities. As of 21 November 2004, all parking meters in Hong Kong had been converted to using the Octopus card as the form of payment.

Payments restaurant in Central and Western District ticket gateMaking or recording a payment using the card for public transportation or while purchasing items at Octopus-enabled retailers can be done by holding the card against or waving it over an Octopus card reader from up to a few centimetres away, even if the card is in a wallet or a purse. The reader will acknowledge payment by emitting a beep sound, and display the amount deducted and the remaining balance of the card. Standard transaction time for readers used for public transport is 0.3 seconds, while that of readers used for retailers is 1 second. When riding the MTR and KCR systems, the entry point of commuters is noted when a passenger enters, and the appropriate amount based on distance traveled will be deducted when the users show their card again at the exit point.

The MTR and KCR charge less for journeys made using an Octopus card instead of conventional single-journey tickets. For example, the adult fare of a single journey from Chai Wan (MTR) to Tung Chung (MTR) is HK$23.10 with an Octopus card, and HK$26 with a single journey ticket.{{cite web|url=http://www.mtr.com.hk/jplanner/jplanner/planner_index.php?start=14&destin=44&spot=1|title=Journey Time & Fare: Chai Wan to Tung Chung|publisher=MTR Corporation|accessdate=2007-03-12--> The KCR also uses the Octopus card to store the status of its One-Month Pass scheme. Passengers who register and purchase the One-Month Pass can use their Octopus cards as access control for unlimited rides on the specified line for a month, and they can travel on KCR trains even if their Octopus cards have insufficient or negative stored value. Other public transport operators also offer discounts, usually 10 percent, for using Octopus cards on higher fares and round-trip transits.{{cite web | title = Citybus & NWFB Offer New Octopus Same Day Return Fare Discounts on Jointly-operated Cross Harbour Tunnel Routes from 1 July | publisher = New World First Bus | date = 2006-06-27 | url = http://www.nwfb.com.hk/eng/news/database/news05.asp?news_id=1015&yr=2006&cate=A | format = | doi = | accessdate = 2007-05-15 -->

On 6 November 2005, Octopus Cards Limited launched Octopus Rewards, a program that allows cardholders to earn rewards at merchants that are partners in the program. Participating merchants provide consumers with tailor-made offers and privileges. The rewards that the program offers are in the form of points, or reward dollars, stored on the card. Once a card is registered for the program, the cardholder may accumulate reward points by making purchases at participating merchants, and payments may be made in the form of cash, credit cards, or Octopus cards themselves. The rate at which reward points are earned per dollar-amount purchase differs by the merchant at which that the purchases are made. At Wellcome, for example, one point is earned for every purchase of HK$200; and at Watsons, points are earned at a rate of 0.5 percent per dollar amount of a purchase. Once these reward dollars are accumulated, they may be redeemed as payment for purchases at partner merchants for at least HK$1 per reward dollar. To redeem the accumulated reward dollars, cardholders must use the entire value amount in whole, and may not elect to use it partially. If the purchase price is lower than the amount of reward dollars available, the amount difference remains stored on the card. Founding partners for the Octopus Rewards program include HSBC, UA Cinemas, Watsons, Wellcome, and McDonald's.

Enquiring balances, adding value and refunding In MTR and KCR stations, enquiry machines can be found where cardholders may place their Octopus cards on the machines and the machines will display the balances along with a history of last 10 usages.

Monetary value can be added to the card through a number of ways. Add Value Machines, located at MTR and KCR stations, can be used to add more value to the cards. The machines accept cash, and selected machines are also able to accept Electronic Funds Transfer. Alternatively, value may be added with cash at authorised service providers such as PARKnSHOP, Wellcome, Watsons, 7-Eleven, Circle K, and Café de Coral, and also at customer service centres and ticketing offices at other transport stations.

An Octopus card may store a maximum value of HK$1,000, with an On-Loan card having an initial deposit value of HK$50 and a Sold card having no initial deposit value. Negative value is incurred on a card if it is used with insufficient funds—both types of cards may carry a maximum negative value of HK$35 before value needs to be added to them again for use. The maximum cost of a trip on any of the rail networks except the Airport Express and first class of the KCR East Rail is HK$34.8.{{cite web | title = MTR fare chart | work = | publisher = [MTR Corporation | url = http://www.mtr.com.hk/jplanner/2005faretable_drl_all.pdf | format = PDF | doi = | accessdate = 2007-05-15 -->{{cite web | title = KCR East Rail fare table | publisher = Kowloon-Canton Railway Corporation | url = http://www.kcr.com.hk/html/eng/services/services/east_rail/fare/themes/main/images/er_fare.pdf | format = PDF | doi = | accessdate = 2007-05-15 -->

The Octopus Automatic Add Value Service (AAVS) is another method by which cardholders may add value to their cards. This service allows for money to be automatically deducted from a credit card and added to an Octopus card when the value of the Octopus card is less than zero dollars. The credit card used must be one offered by one of 22 financial institutions that participate in AAVS. Participating banks include HSBC, Bank of China (Hong Kong), and Hang Seng Bank. HK$250 is added to the card each time value is automatically added; six participating financial institutions offer an option of adding a value of HK$500 instead.

An Octopus card may be returned to any MTR or KCR Customer Service Centre for a refund of the remaining value stored on it. A handling fee may be charged for the refund; HK$7 for an anonymous On-Loan card that had been in use for fewer than three months, and HK$10 for a Personalised On-Loan card that was issued on or after 1 November 2004. A refund is immediately provided at the time an anonymous On Loan card is returned, unless it has more than HK$500 stored on it. A Personalised On-Loan card or an anonymous On-Loan card with more than HK$500 stored on it needs to be sent back to Octopus Cards Limited for refund processing, in which case, the refund for a Personalised On-Loan card would be available in eight days, and that of an anonymous On-Loan card would be available in five days. If a damaged card is returned for refund, a HK$30 levy would be charged to the cardholder.

Technology The Octopus system was designed by Australia-based company ERG Group. The company was selected in 1994 to lead the development of the Octopus project and was responsible for the building and installation of the components of the Octopus system. Operations, maintenance and development was undertaken by Octopus Cards Limited, and in 2005, it replaced the central transaction clearing house with its own system.

The Octopus card uses the Sony 13.56 Megahertz FeliCa RFID (RFID) chip, and Hong Kong is the home of the world's first major public transport system using this technology. This is a "touch and go" system, so users need only hold the card in close proximity of the reader, and thus physical contact is not required. Data is transmitted at up to 212 kbit/s (the maximum speed for Sony FeliCa chips), compared to 9.6 kbit/s for other smart card systems like Mondex and Visa Cash. The card has a storage capacity of 1 Kilobyte to 64 KB compared to the 125 bytes provided by traditional magnetic stripe card.

Octopus uses a nonstandard system for RFID instead of the ISO 14443 standards, since there were no standards in the nascent industry during its development in 1997. The operating range of the reader/writer is between 30 and 100 mm (1.18 and 3.94 in) depending on the type of model being used.

Octopus is specifically designed so that card transactions are relayed for clearing on a store and forward basis, without any requirement for reader units to have realtime round-trip communications with a central database or computer. The stored data about the transaction may be transmitted by network after hours, or in the case of offline mobile readers may be retrieved by a hand held device, for example a Pocket PC.

In practice, different data collection mechanisms are used by different transport operators, depending on the nature of their business. The MTR equips its stations with local area networks that connect the components that deal with Octopus cards—turnstiles, Add Value Machines, value-checking machines and customer service terminals. Transactions from these stations are relayed to the MTR's Kowloon Bay (MTR) headquarters through a frame relay wide area network, and hence onwards to the central clearing house system (CCHS) for clearing. Similar arrangements are in place for KCR stations and for retailers such as 7-Eleven. Handheld devices are used to scan offline mobile readers, including those installed on minibuses. Buses either use handheld devices or a wireless system, depending on operator.

The Octopus card uses encryption for all airborne communication and it uses Mutual authentication based on public key infrastructure (PKI). In other words, data communications to and from the card are only established when mutually authenticated security handshaking is verified followed by transfer of encrypted data. The Octopus card and system have never been successfully Hacker.

Operator The Octopus card system is owned and operated by Octopus Cards Limited, a wholly owned subsidiary of Octopus Holdings Limited. The company was founded as Creative Star Limited in 1994 to oversee the development and implementation of the Octopus card system, and was renamed as its current name of Octopus Cards Limited in 2002. Creative Star was formed as a joint-venture company by five major transit companies in Hong Kong—MTR Corporation, Kowloon-Canton Railway Corporation, Kowloon Motor Bus, Citybus (Hong Kong), and Hongkong and Yaumati Ferry. In January 2001, the shares of Hongkong and Yaumati Ferry in the company was transferred to New World First Bus and New World First Ferry. In the same year, together with MTR Corporation, the company was transformed from its previous non-profit making status to a profit making enterprise.

Due to the expansion of the company's businesses, Octopus Holdings Limited was established in 2005 and Octopus Cards Limited was restructured as its subsidiary. The business of Octopus Cards Limited, being a payment business, is regulated by the Hong Kong Monetary Authority, while Octopus' non-payment businesses are not subjected to such regulation and are operated by other subsidiaries of Octopus Holdings Limited that are independent of Octopus Cards Limited. As of 2007, Octopus Holdings Limited was a joint-venture business owned by five transport companies in Hong Kong; 54.4% by the MTR Corporation, 22.1% by the Kowloon-Canton Railway Corporation, 12.4% by Kowloon Motor Bus, 5% by Citybus, and 3.1% by New World First Bus. Since the Government of Hong Kong owns 76.54% of the MTR Corporation (as of 31 December 2005) and wholly owns the Kowloon-Canton Railway Corporation, it is the biggest effective shareholder of Octopus Holdings Limited, and thus also the biggest effective shareholder of Octopus Cards Limited.

Initially, Octopus Cards Limited, then known as Creative Star Limited, was restricted to having at most 15 percent of Octopus card transactions for non-transport transactions, as it operated under the Hong Kong government's Banking Ordinance. On 2000-04-20, the Hong Kong Monetary Authority authorised the company for deposit-taking, which allowed for 50 percent of Octopus card transactions to be unrelated to transport. HK$416 million (US$53.3 million) is deposited in the Octopus system at any given time as of 2000.{{cite web | title = Octopus Card in Hong Kong | publisher = China-community de | date = | url = http://www.china-community.de/index2.php?option=com_content&do_pdf=1&id=45 | format = PDF | doi = | accessdate = 2007-05-15 -->{{de icon-->

Taxis Although a popular form of transport, Taxicabs of Hong Kong do not accept the Octopus card. On 27 June 2006, after 10 years of negotiations between Octopus Cards Limited and the taxi industry, the first trial of taxis equipped with Octopus card readers was launched in the New Territories with taxis operated by the Yellow Taxi Group. But it was reported on 30 October that of the 20 taxis that participated in the trial, eight had dropped out. Part of the reason was technical—drivers must return to the office every day for accounting. The Octopus card company said it would be upgrading the system to allow automatic account updating in the future. Wong Yu-ting, managing director of the Yellow Taxi Group, also noted that they had been "trying to convince restaurants and retailers" to offer discounts to Octopus taxi passengers, but the Transport Department (Hong Kong) had been a major obstacle. The Transport Department is against this approach for legal reasons.

Alternate forms Other than the Octopus card itself, operator Octopus Cards Limited also sells watches and mobile phone covers that function as an anonymous Octopus card. The types of watches available include wrist watches, pocket watches, and watch key chains. The mobile phone covers were specifically designed for Nokia models Nokia 3310 and Nokia 3330. As with the card itself, these products are used by waving them over a card reader. They may be reloaded with money value the same way as the card itself, including automatic reloading via the Automatic Add Value Service, with the exception that they cannot be reloaded at Add Value Machines due to their shapes. An Octopus watch or mobile phone cover may be stored with a maximum of HK$1,000, but do not have any initial stored value at the time of its purchase. It may have a maximum negative value of HK$35 as with an Octopus card. These products are not refundable for their costs, but the remaining value stored on them may be refunded if they are damaged, with the damaged product itself also returned to the customer.

In June 2007, a new set of limited edition products was announced, featuring Mini Octopus cards and Child Octopus Wristbands. The Mini Octopus cards, available in Adult and Elder editions, measure 4.7 cm by 3 cm (1.85 in by 1.18 in) and work as regular (anonymous) Adult and Elder, respectively, Octopus cards. The Child Octopus Wristbands are plastic wristbands with a watch-like round face and work as regular Child Octopus cards. The same value-adding abilities and limitations as the aforementioned watches and mobile phone apply.

Outside Hong Kong Usage of the Octopus card was extended to the Chinese cities of Shenzhen and Macau in 2006. In collaboration with China UnionPay, Octopus Cards Limited introduced Octopus card usage to two Fairwood (restaurant) in Shenzhen in August 2006. Value cannot be reloaded to Octopus cards in Shenzhen, but the Automatic Add Value Service is available to automatically deduct money value from a customer's credit card to reload an Octopus card. In using an Octopus card, the currency exchange rate between mainland China's Chinese renminbi and the Hong Kong dollar is RMB1:HKD1. The two Fairwood restaurants in Shenzhen that were enabled for Octopus card payments are located at Luohu Commercial City and Shenzhen Railway Station. Shenzhen became the first city outside Hong Kong in which Octopus cards may be accepted as payment. In Macau, the Octopus card was introduced in December 2006 when two Kentucky Fried Chicken restaurants in the city adopted its usage as payment. Similar to its usage in Shenzhen, an Octopus card may not be reloaded in Macau, and the currency exchange rate between the Macanese pataca and the Hong Kong dollar when using an Octopus card is MOP1:HKD1. The two Kentucky Fried Chicken restaurants in Macau that adopted the Octopus card for payment are located at the List of roads in Macau and the Sands Macau.

EPS add-value glitch In February 2007, it was found that when customers added value to their cards at self-service add-value points located in MTR and KCR stations, their bank accounts would be debited even if the transactions were cancelled. Octopus Cards Limited claimed that the fault was due to an upgrade of communication systems. Initially, two cases were reported. The company then announced that the use of the payment system, Electronic Payment Services (EPS), in add-value service points would be suspended until further notice, and had started investigation of the system's mistake.

On 27 July 2007, a report was announced that the wrong transactions could be traced back to 2000, and a total of 3.7 million Hong Kong dollars was wrongly deducted from 15,270 cases. The company reported that there may be cases dating before 2000, because only transactions from the past seven years were kept. It stated that it would co-operate with EPS Company Limited, operator of Electronic Payment Services, and banks to contact customers involved and arrange a refund within ten weeks' time.

References External links

Official website of Octopus Cards Limited
Octopus website case study

Official website of Octopus Cards Limited
Octopus website case study

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