Interconnected methods of card-based fare collection at computer-based service access validation terminals are disclosed. The first method is characterized by periodically propagating to the validation terminals card transaction data originated at other validation terminals. This method is most pertinent to the public transit fare systems utilizing open-loop payment cards and vehicle-installed terminals. The second method is characterized by actualizing the validation terminals' data by way of data broadcasting or multicasting. This method makes the first method practical and improves performance of open-loop and closed-loop card systems implementing offline validations.