Oh I love number 3 the best. With this one it adds yet another fantastic layer of bother for the TOC. I mean - you would have to pull the guard out of duty to ensure that they remembered the person they done this too leaving a service without a guard and therefore a cancellation of service as they would have to employ loads of staff to cover such things. Brilliant that. I cant stop laughing.
The other two still rely on a database created that could be accessed by all TOCS.They have enough trouble creating a simplified ticketing system.
I'm sorry, but you're not reading my posts. Where did I say a guard would have to come off the train?
It's very simple:
1. When buying your ticket, pay extra to attach it to another form of picture-carrying ID that you often have with you
2. If you don't have your railcard, buy a new ticket, if you have that ID with you. This would require, you're correct, some sort of database that a guard could access.
3. Take the valid ID and the replacement ticket to a ticket office within x days.
Also, I doubt that I can come up with a system of the top of my head on my own. Again perhaps read my previous post and see where I acknowledge that above? That doesn't mean it cant' be done.
I've nothing against the argument that there is currently no incentive and I don't expect the TOCs to change things. I fully understand their reasons and think that they're acceptable.
I don't agree that TOCs should go out of their way immediately to change things. But the idea that they cannot is ridiculous. Defend their current commercial decision if you want - but don't go claiming that these things can't be done.
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BTW - I think a lot of this is academic. As has been pointed out, it is likely that we will eventually have smartcards, at which point railcards will likely be attached to these.
And no, I think that if you've lost your smartcard, then you will have lost your ticket.