[sgxin]

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?

Err... the last para in my 1st post in this thread already said load onto the fare terminals/gantries.
Which part of the post let you think the fare data is to be loaded onto the card?  

This small size array is definitely not an issue for modern embedded computers so it can easily be loaded into the fare terminals/gantries.
The fare and balance can then be transacted and displayed instantaneously with ZERO (or minimal) delay.