[sgh]

Don't think a full recalcuation for the entire Spore takes more than an hour on a fast server.
This can be done off-line and loaded into the fare terminals/gantries (not cards) whenever they are booted up (for every bus trip or each day for train stations).

Your earlier post was to suggest load entire bus stops onto cards itself correct? Now to handle new bus stops you propose to do it at the fare terminal instead? If using fare terminal approach then your earlier to load all bus stop onto card itself is wasting time may as well switch to terminal approach? I am a bit confused about your proposal as it keep changing based on new requirements. Are you working full time already in real life?