KR101857067B1 - Method and apparatus for providing card payment service in an airplane which is in the process of flight - Google Patents

Method and apparatus for providing card payment service in an airplane which is in the process of flight Download PDF

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Publication number
KR101857067B1
KR101857067B1 KR1020160121981A KR20160121981A KR101857067B1 KR 101857067 B1 KR101857067 B1 KR 101857067B1 KR 1020160121981 A KR1020160121981 A KR 1020160121981A KR 20160121981 A KR20160121981 A KR 20160121981A KR 101857067 B1 KR101857067 B1 KR 101857067B1
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KR
South Korea
Prior art keywords
card
information
user
settlement
payment
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KR1020160121981A
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Korean (ko)
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KR20170142817A (en
Inventor
신재관
차재연
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비씨카드(주)
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Priority to KR1020160076800 priority
Application filed by 비씨카드(주) filed Critical 비씨카드(주)
Priority claimed from PCT/KR2016/014606 external-priority patent/WO2017222129A1/en
Publication of KR20170142817A publication Critical patent/KR20170142817A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/06Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
    • G06Q10/067Business modelling
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00Administration; Management
    • G06Q10/10Office automation, e.g. computer aided management of electronic mail or groupware; Time management, e.g. calendars, reminders, meetings or time accounting
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking

Abstract

According to an embodiment of the present invention, there is provided a method of processing a card settlement during an aircraft operation, the method comprising: (a) before the take-off of the aircraft, the entire card information of a user located within a predetermined distance from the aircraft, Receiving list information; (b) sensing a card settlement request signal after taking off the aircraft; And (c) processing the card settlement request signal based on at least one of the entire card information of the user and the card black list information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method and apparatus for providing an on-board payment service,

The present invention relates to a method and a server for providing an in-flight settlement service using an abnormal financial transaction detection system information, and more particularly, The present invention relates to a method and a server for providing an in-flight payment service that enables a user to confirm the validity of a card requested for settlement after an aircraft takes off, and to approve the requested payment by himself / herself.

In recent years, the number of passengers using an aircraft has been gradually increasing, and the sales of goods or services sold inside the aircraft have been gradually increasing.

Particularly, a large number of payment requests are made using the passenger's card. However, in an unauthorized transaction method in which only the bad credit card number stored in the credit card payment device is confirmed on the basis of the communication characteristics in the current aircraft, Card transactions are generated by contacting the ground, and as a rule, card limit information can not be known, so check cards can not be used.

Accordingly, the user must pay cash using only cash or a credit card in the cabin, and it is inconvenient to spend a waiting time when paying a card.

In addition, the airline can not immediately judge the fraudulent use of the card, so many cases of damage that can not be recovered later, and the card company and the airline inevitably incur social costs due to the damage cases .

In recent years, techniques for improving the above-mentioned problems have been actively developed, and a technique of performing settlement in an aircraft by a credit card terminal having a blacklist file built in as disclosed in Korean Patent Laid-Open No. 10-2007-0028721 Was developed.

However, even with these technologies, there is a problem that illegal use of a card owned by another person, that is, a card that has not been notified due to duplication, loss or theft, but is not recognized by the user, can not be prevented.

Korean Unexamined Patent Application Publication No. 10-2007-0028721 (Mar. 13, 2007)

Disclosure of the Invention The present invention has been made to solve the above-mentioned problems of the related art, and it is an object of the present invention to minimize the social cost by blocking the illegal use of the card held by the user using the abnormal financial transaction detection system information of the card company, .

It is also an object of the present invention to improve the convenience of payment of a user's card by allowing the in-flight payment server to determine and approve the denial of the card settlement request itself and to immediately make the card settlement.

In particular, it is intended to allow the check card to be approved in the cabin, and to prevent fraudulent use in the event that the card is copied or stolen by another person but is not reported because the user can not recognize it.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

According to an aspect of the present invention, there is provided a method for processing a card settlement during an aircraft operation, the method comprising the steps of: (a) determining whether a user located within a predetermined distance from the aircraft Receiving the entire card information and the card black list information of the card; (b) sensing a card settlement request signal after taking off the aircraft; And (c) processing the card settlement request signal based on at least one of the entire card information of the user and the card black list information.
The entire card information may include one or more of the number, availability, and remaining limit of the cards held by the user.
The validity of the card can be determined based on one or more of the valid period of the card, the unavailable card information, and the FDS condition information.
The determination as to whether the user is located within a predetermined distance from the aircraft may be determined based on the location information of the user terminal of the user.
The determination of whether or not the user is located within a predetermined distance from the aircraft may be made based on details of the card used by the user within a predetermined distance from the aircraft.
The card settlement request may include at least one or more than one number of a card recognized by the in-flight settlement apparatus, an expiration date, a CVC number, etc., and may include at least one or more types, names, .
The user related information and the card settlement request may further include a biometric information identification code, which is a character string that can identify one or more of the fingerprint information, iris information, and voice information of the user.
The biometric information identification code may be encrypted with an encryption algorithm corresponding to a decryption algorithm stored in the intra-flight settlement device.
Wherein the step (c) comprises: accepting or rejecting the card settlement according to whether the card settlement request signal is processed; Storing the history information of the card settlement subjected to the approval processing and the history information of the card settlement processed by the reject processing; And transmitting the approved card settlement history information and the rejected card settlement history information to the card company server after the landing of the aircraft.
According to another aspect of the present invention, there is provided an in-flight settlement apparatus for processing a card settlement during an aircraft operation, the settlement apparatus comprising: A user-related information DB for receiving card blacklist information; A payment request receiving unit for sensing a card settlement request signal after the aircraft is taken off; And a payment approval deciding unit for deciding whether to process the card settlement request signal based on at least one of the entire card information and the card black list information of the user.
The entire card information may include one or more of the number, availability, and remaining limit of the cards held by the user.
The validity of the card can be determined based on one or more of the valid period of the card, the unavailable card information, and the FDS condition information.
The determination as to whether the user is located within a predetermined distance from the aircraft may be determined based on the location information of the user terminal of the user.
The determination of whether or not the user is located within a predetermined distance from the aircraft may be made based on the history of the card used by the user within a predetermined distance from the aircraft.
The card settlement request may include at least one or more than one number of a card recognized by the in-flight settlement apparatus, an expiration date, a CVC number, etc., and may include at least one or more types, names, ..
The user related information and the card settlement request may further include a biometric information identification code, which is a character string that can identify one or more of the fingerprint information, iris information, and voice information of the user.
The biometric information identification code may be encrypted with an encryption algorithm corresponding to a decryption algorithm stored in the intra-flight settlement device.
The in-flight settlement apparatus accepts or rejects the card settlement according to whether the card settlement request signal is processed, stores the history information of the card settlement subjected to the approval processing and the history information of the card settlement processed by the rejection processing And a settlement request processing unit for transmitting the credit card settlement history information after the aircraft landing and the credit card settlement history information to the card company server.

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According to an embodiment of the present invention, illegal use of a card held by a user is fundamentally blocked by using a card company's abnormal financial transaction detection system information, thereby minimizing social costs and improving the safety of card settlement.

Also, according to an embodiment of the present invention, the in-flight payment server itself can determine whether the card payment request is denied or not, and allow the card settlement to be performed immediately, thereby enhancing convenience of the user's card settlement.

In particular, the check card can be approved in the cabin, and illegal use in the case where the card is copied or stolen by another person but is not reported because the user can not recognize it can be prevented.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a block diagram of a system for providing an in-flight payment service according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a card issuer server according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of an in-flight payment server according to an embodiment of the present invention.
4 is a flowchart illustrating an in-flight payment service provision process according to an exemplary embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as " comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

In this specification, 'Fraud Detection System (FDS)' refers to a log of terminal access information (terminal system information, network information, IP access information, transaction details, etc.) The system detects a suspicious transaction by analyzing the transaction and stops the transaction when it is determined that it is a financial accident when there is a transaction showing a pattern different from the usual payment pattern of the user.

Also, in this specification, a user may be a member of the card company who has previously issued a card from a credit card company, and when the card company joins as a member of a credit card company, the card company collects the location information of the user through the user terminal, It is understood that the user agrees with the procedure of providing information, card information, biometric information identification code, and FDS information to the in-flight payment server.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a system for providing an in-flight payment service according to an embodiment of the present invention.

1, the in-flight payment service providing system may include a user terminal 100, a card issuing server 200, an in-flight payment server 300, and a payment terminal 400 that can communicate with each other through a communication network.

Although the intra-aircraft payment server 300 and the payment terminal 400 are implemented as separate components, the intra-flight payment server 300 and the payment terminal 400 are provided in a single configuration The in-flight settlement apparatus may perform all the functions of the in-flight payment server 300 and the payment terminal 400. [

First, the communication network can be configured without regard to its communication mode such as wired and wireless. A local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like. Preferably, the communication network according to one embodiment may be implemented by a wireless communication network such as Wi-Fi, NFC (Near Field Communication), or the like.

The user terminal 100 is connected to a card issuer server 200, an in-flight payment server 300 and a payment terminal 400 through a network such as a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a PMP Such as a desktop PC, a tablet PC, a laptop PC, and an IPTV including a set-top box, as well as other types of wireless communication devices And a communication device that can be connected to external servers and external devices such as the card company server 200, the payment server 300 and the payment terminal 400 through a network.

The user terminal 100 according to an embodiment of the present invention may execute a web browser and request an in-flight payment service web page provided from a web server (not shown). The request of the web page may be performed by various methods such as an address input of a web page, a link selection in a specific web page, a search request in a web page providing a search service, and the like.

Also, the user terminal 100 may be provided with an in-flight payment service application that provides a user with an in-flight payment service. In this case, the application management server (not shown) may provide an application store capable of distributing various applications. When the service provider providing the in-flight payment service registers the in-flight payment service application in the application store, Can install the in-flight payment service application registered in the application store and install it in the memory.

The in-flight payment service application may be a program module that can communicate with an external server and an external device, and may be included in the user terminal 100 or another device capable of communicating with the user terminal 100 in the form of an operating system, an application program module, May be stored on various known storage devices. This program module, on the other hand, encompasses but is not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

In addition, the user terminal 100 may include a biometric authentication sensor module for collecting biometric information, and may transmit the biometric information collected through the biometric authentication sensor module to the card issuer server 200 and the payment terminal 400 And can be stored in a database in the user terminal 100. [0050] FIG.

At this time, the type of the converted information is preferably a code composed of English, Korean, and numbers of a certain length, but is not limited thereto.

The biometric authentication sensor module can recognize a user's fingerprint, iris, voice, and the like. The biometric authentication sensor module is interlocked with an in-flight payment service application installed in the user terminal 100, Can be performed. In addition, the biometric authentication sensor module may be attached to a separate terminal (not shown) other than the user terminal 100.

Card issuer server 200 collects and analyzes FDS analysis information by storing and managing various information related to a user, a card, and biometric identification code, and generates FDS condition information. And may transmit the FDS analysis information, the FDS condition information, the entire card information for each user, and the card black list information to the in-flight payment server 300.

According to an embodiment of the present invention, the card issuer server 200 can receive a card company membership request including user identification information from a user through the user terminal 100, and stores the user identification information in a database .

The user identification information includes a name of the user, a social security number, a contact address, an account number, a consent to provide location information, a location information of the user collected through the user terminal 100 by the card company server 200, Or more.

Also, the card company server 200 may store the card information issued by the card company to the user who is subscribed to the member, and manage the card information.

The card information may be information of a credit card or a check card issued to the user, and may include a card number, an expiration date, a CVC number, a remaining limit, account balance information, usage history information, Card, lost report card, black list-containing card, etc.) information.

According to one embodiment, the card issuer server 200 is a list of cards that have been suspended, depleted cards, expired cards, cards of a user with a bad credit, It is also possible to store and manage card blacklist information.

In addition, the card issuer server 200 can receive the user's biometric information identification code from the user terminal 100 and the biometric information authentication authority server (not shown), and stores the biometric information identification code in a database You may.

The biometric information identification code may be the same as the biometric information conversion information stored in the user terminal 100

The card issuer server 200 according to an embodiment of the present invention can generate, store, and manage FDS analysis information and FDS condition information based on user identification information and card information.

The FDS analysis information includes at least one or more of the user's entrance / exit to the airport, the payment item pattern of the card, the payment amount pattern, the payment time pattern, the immediately preceding use time information, the immediately previous use position information, can do.

The FDS condition information may be condition information for rejecting the card settlement request according to the user identification information, the card information, and the FDS analysis information.

According to one embodiment, the card issuer server 200 can receive a signal requesting user's user related information and card black list information from the in-flight payment server 300, and accordingly, User related information and card black list information to the in-flight payment server 300. [

The user related information may include one or more user identification information of the user, card information, whole card information for each user, biometric information identification code, FDS analysis information, FDS condition information, and the like.

At this time, the whole card information may include at least one of the number, validity, and remaining limit of the cards held by the specific user, and the validity may be one or more of the valid period of the card, the unavailable card information, As shown in FIG.

The card issuer server 200 may receive the card settlement processing history information, which is the details of processing the user's card settlement request from the in-flight settlement server 300. [

According to an embodiment of the present invention, the card payment transaction details may be approved details of the card payment request, and thus the card company server 200 may process the approved money.

In addition, the details of the card settlement process according to the embodiment of the present invention may be a denial of the card settlement request, and the card company server 200 may store the denied details information in the database, Which can be used as a basis for analyzing the FDS information of the card.

In addition, the card company server 200 according to the embodiment may transmit the rejected history information to the user terminal 100 of the user to whom the payment rejected card was issued.

Based on the user-related information and the card black list information received from the card issuer server 200, the in-flight payment server 300 can determine whether the card settlement request signal received from the payment terminal is approved or not, The request signal can be processed.

According to one embodiment of the present invention, the in-flight payment server 300 can determine the flight state of the aircraft as a landing state or a take-off state.

Accordingly, the in-flight payment server 300 transmits a communication mode in which the in-flight payment server 300 is connected to an external server and an external device to a communication mode between the card issuer server 200 and the payment terminal 400 It can also be set.

The in-flight payment server 300 receives user related information and card black list information from the card issuer server 200, and stores the received information in the database.

The in-flight payment server 300 may receive a user's card settlement request signal from the payment terminal 400. [

The card settlement request may include one or more of card identification information such as a card number recognized by the payment terminal 400, an expiration date, a CVC number, and the like.

In addition, the card payment request may include one or more of payment product information such as the type, name, price, and the like of the product that the user intends to purchase.

In addition, according to an embodiment of the present invention, the card settlement request may include a biometric information identification code of a user received from the user terminal 100 by the payment terminal 400. [

The in-flight payment server 300 can determine whether the received card settlement request signal is approved by determining whether the card recognized by the payment terminal 400 is valid based on the user related information.

The in-flight payment server 300 may approve or reject the card settlement request according to the determined approval or disapproval.

According to one embodiment, when the payment server 300 approves the card settlement request, the payment server 300 may store the approved details and transmit the approved details to the user terminal 100 through the settlement terminal 400.

When the payment server 300 according to an embodiment of the present invention refuses the card payment request, the payment server 400 stores the refused history information and transmits the refused history information to the payment terminal 400 ) On the display.

When the aircraft is recognized as being in a landing state, the in-flight payment server 300 transmits to the card issuer server 200 all of the card settlement processing details processed when the aircraft is in the take-off state, thereby causing the card company to perform the purchase processing .

The payment terminal 400 may include a communication device capable of communicating with an external server and an external device so that the payment terminal 400 can communicate with the user terminal 100, the card issuer server 200, and the intra-flight payment server 300 .

The payment terminal 400 according to an embodiment of the present invention can be connected to a card reader to which a card is scanned and recognize a magnetic stripe or IC chip (Integrated Circuit Chip) in the card through the card reader, The card identification information such as the number of the scanned card, the validity period, the CVC number, and the like can be collected.

In addition, the payment terminal 400 may be connected to a sensor module capable of recognizing a bar code or a QR code. By recognizing the bar code or the QR code of the goods through the sensor module, Can be collected.

In addition, according to one embodiment, the payment terminal 400 may receive the biometric information identification code of the user from the user terminal 100. [

Accordingly, the payment terminal 400 may transmit a card settlement request signal including one or more of the card recognition information, the settlement product information, and the biometric information identification code to the in-flight payment server 300.

The settlement terminal 400 according to an embodiment receives a signal for approving a card settlement request from the intra-aircraft settlement server 300 and approves the card settlement request, thereby allowing the settlement terminal 400 And may output a receipt including the approved history information.

2 is a diagram illustrating a configuration of a card issuer server 200 according to an embodiment of the present invention.

2, the card company server 200 according to an exemplary embodiment of the present invention includes a member information management unit 210, an FDS information management unit 220, a user related information transmission unit 230, a payment history receiving unit 240, A card issuer server control unit 250 and a card issuer server communication unit 260. [

First, the member information management unit 210 can receive, store, and manage one or more information of a user registered as a member of a card company, information of a card issued to the user, and biometric information identification code of the user.

Specifically, the member information management unit 210 according to an embodiment of the present invention can store information of a user registered as a member of a credit card company. At this time, the user identification information may include at least one or more of a user's name, a resident registration number, a contact address, an account number, a consent for providing location information, a location information, and a consent for providing FDS information.

Also, according to one embodiment, the member information management unit 210 may receive a request to modify the user's contact information, address, account number, etc. of the user identification information from the user terminal 100, The user identification information can be changed.

The member information management unit 210 according to an exemplary embodiment may store information on a card issued by a card company to the user. The card information may include one or more of the card number, validity period, CVC number, remaining limit, account balance, usage history, unavailable card information, and the like.

According to an embodiment of the present invention, the card may be a credit card, and the member information management unit 210 may check the change of the card information in real time. Accordingly, the member information managing unit 210 can update the card information at all times by updating the previously stored card information with the changed information.

According to another embodiment of the present invention, the card may be a check card, and the member information management unit 210 may allow a bank server (not shown) issuing the check card to the user, As shown in FIG. Accordingly, the member information managing unit 210 can update the card information at all times by renewing the previously stored card information with the card information newly received from the bank server (not shown).

In addition, the member information management unit 210 may collect and store the entire card information for each user.

The entire card information may include one or more of the number, availability, and remaining limit of the cards held by the specific user.

At this time, the validity may be determined based on one or more of validity period of the card, unusable card information, and FDS condition information generated by the FDS information management unit 220 in the future.

For example, if the validity period of the card has expired, corresponds to a non-useable card, or if the card corresponds to a reason for rejecting a card payment based on the FDS condition information, the card may be designated as an invalid card .

According to an exemplary embodiment of the present invention, the member information management unit 210 determines whether or not a card that has been suspended, a card that has been used, a card that has passed its validity period, a card of a user with a bad credit, It is also possible to store and manage card blacklist information, which is a list of cards that are overdue for a certain period of time or longer.

According to one embodiment, the member information management unit 210 can receive and store biometric information identification codes of respective users from a biometric information authentication server (not shown).

The member information management unit 210 according to another embodiment may transmit a signal requesting the user's biometric information identification code to the user terminal 100 and may transmit the biometric information of the user received from the user terminal 100 The identification code can also be stored.

The biometric information identification code may be the same as the biometric information conversion information stored in the user terminal 100.

According to an embodiment of the present invention, the member information management unit 210 may transmit the user identification information, the card information, the entire card information for each user, the card black list information, and the biometric information identification code to a user- 230).

The FDS information management unit 220 can generate and store various FDS analysis information and FDS condition information based on the user identification information and the card information received from the member information management unit 210. [

At this time, the generation and storage of the FDS information can be performed in real time, so that the FDS information management unit 220 can update the stored FDS analysis information and the FDS condition information at all times.

Specifically, according to one embodiment, the FDS information management unit 220 stores FDS condition information for refusing the settlement request when the remaining limit of the card or the balance of the account connected to the card is less than the amount of the requested payment Can be created and stored.

In addition, the FDS information management unit 220 according to an exemplary embodiment of the present invention checks the unusable card information of a card to be used by the user, and determines that the card is a card that has been suspended, a used card, In the case of a card included in the list, the FDS condition information for refusing the payment request using the card may be generated and stored.

The FDS information management unit 220 determines whether or not the user enters or exits the airport based on the location information of the user, and stores the information as FDS analysis information. As a result of confirming whether the airport is in or out of the airport, The FDS condition information for refusing the card settlement request can be generated and stored when there is no record of entering the airport.

In addition, according to an embodiment of the present invention, the FDS information management unit 220 may analyze the settlement item pattern, the settlement amount pattern, and the settlement time pattern using the card based on the usage history of the card, and store the result as FDS analysis information.

For example, the FDS information management unit 220 analyzes the type of each product, which has been paid with the card, through the use history of the card as "toy", "fruit", and "kitchenware" It is possible to generate a settlement amount pattern composed of the above amounts by analyzing the amount of each commodity settled by the card as " 100,000 won ", " 150,000 won ", and " have. In addition, the FDS information management unit 220 may generate a settlement time pattern composed of the above times by analyzing the time of settlement with the card as " 13 o'clock ", " 15 o'clock & .

According to one embodiment of the present invention, the settlement item pattern, the settlement amount pattern, and the settlement time pattern may be analyzed according to a predetermined period such as a season, a day, and the like. According to another embodiment, It may also be analyzed by industry type of merchant.

Accordingly, when the type of the requested product is not included in the payment item pattern, the FDS information management unit 220 displays the amount of the requested product as a larger or larger amount than the average amount or the maximum amount of the payment amount pattern And the FDS condition information for refusing the payment request when the time when the payment request signal is generated exceeds the predetermined time in the payment time pattern is generated and stored.

The FDS information management unit 220 may store the FDS analysis information by analyzing the immediately preceding use time information and the immediately preceding use position information based on the use history of the card.

Accordingly, the FDS information managing unit 220 calculates the moving time of the user from the distance difference between the immediately-before-use position information and the position where the card settlement request signal is transmitted, and transmits the immediately-before-use time information and the card settlement request signal The FDS condition information for refusing the card settlement request can be generated and stored when the difference between the times is less than the moving time of the user.

In addition, the FDS information management unit 220 according to an embodiment determines whether or not the information on which the card settlement is approved within a predetermined period from the determination time, i.e., whether the card has recently been used The FDS information management unit 220 can determine whether the card has been used recently by checking whether the card has been used recently or not, It is possible to generate and store the FDS condition information.

According to one embodiment of the present invention, the FDS information management unit 220 stores the fraudulent use history of the card received from the payment server 300 or the payment terminal 400 installed at the card company's merchant company, It can be stored as illegal use occurrence history information.

Accordingly, the FDS information management unit 220 may generate and store the FDS condition information for refusing the card settlement if the existing fraud incidence is within a predetermined time from when the card settlement is requested.

In addition, the FDS information management unit 220 according to an exemplary embodiment of the present invention includes a biometric information identification code previously stored as user identification information and a biometric information identification code transmitted to the payment terminal 400 through the user terminal 100 It is possible to generate and store the FDS condition information for rejecting the card settlement request.

The FDS information management unit 220 according to an exemplary embodiment of the present invention may transmit at least one of the FDS analysis information and the FDS reference information to the user related information transmission unit 230. [

The user related information transmission unit 230 receives the user related information and the card black list information from the in-flight payment server 300 and transmits user related information of a user located within a predetermined distance from the aircraft and card black list information To the in-flight payment server 300.

At this time, the user related information includes user identification information, card information, entire card information for each user, biometric information identification code received from the user information management unit 210, and FDS information management unit 220, The FDS analysis information and the FDS condition information received from the FDS analysis server.

Specifically, the user-related information transmission unit 230 may receive a signal for requesting user-related information and card blacklist information from the intra-flight payment server 300.

According to one embodiment, the user-related information transmission unit 230 transmits user-related information of the user, which is indicated by the location information of the user received from the member information management unit 210 within a certain distance from the aircraft, Lt; / RTI >

According to another embodiment, the user-related information transmission unit 230 can check the details of the user's card transactions occurring within a certain distance from the aircraft, and accordingly, the user- 300).

According to another embodiment, the user-related information transmission unit 230 transmits user-related information of a user who is an airport and a user who is not an airport to the in-flight payment server 300, To immediately refuse a card settlement request in which the location information uses a card of a user name rather than an airport.

According to an embodiment of the present invention, the user related information transmission unit 230 may transmit updated card black list information to the in-flight payment server 300 upon receiving the request signal.

The user-related information transmission unit 230 according to an embodiment of the present invention may encrypt the biometric information identification code of the user among the user-related information using a specific encryption algorithm and transmit the encrypted biometric information identification code to the in-

For example, the user-related information transmission unit 230 may encrypt the biometric information identification code of the user using a hash function algorithm and transmit the encrypted biometric information identification code to the in-flight payment server 300.

Accordingly, the user-related information transmission unit 230 can improve the security of the transmission / reception procedure of the biometric information identification code.

In addition, according to another embodiment, the user-related information transmission unit 230 may omit the encryption procedure and transmit the biometric information identification code itself to the in-flight payment server 300. [

The settlement history receiving unit 240 can receive the card settlement processing history information from the intra-flight payment server 300 and perform the settlement processing based on the card settlement processing history information.

Specifically, the settlement history receiving unit 240 can receive the history information that the card settlement has been approved or rejected from the intra-flight payment server 300. [

In this case, according to one embodiment, the payment history receiving unit 240 may process the credit card payment approval details according to the credit card payment approval information received from the intra-flight payment server 300. [

The settlement history receiving unit 240 according to the embodiment transmits the card settlement rejection history information received from the intra-flight settlement server 300 to the FDS information management unit 220 to allow the FDS information management unit 220 to transmit It is possible to store the rejection history information as information on the history of the illegal use of the card.

In addition, the settlement history receiving unit 240 according to the embodiment of the present invention may transmit the card settlement rejection history information to the user terminal 100 to allow the user to grasp the current status of the card being fraudulently used have.

The card issuer server control unit 250 controls the flow of data between the member information management unit 210, the FDS information management unit 220, the user related information transmission unit 230, the payment history receiving unit 240 and the card issuer server communication unit 260 Function can be performed. That is, the card company server control unit 250 according to the present invention includes a member information management unit 210, an FDS information management unit 220, a user related information transmission unit 230, a payment history receiving unit 240, and a card issuer server communication unit 260 Each can be controlled to perform a unique function.

The card issuer server communication unit 260 according to one embodiment enables communication between the card issuer server 200, the external server, and the external device. Specifically, the card issuer server 200 enables communication with the user terminal 100, the in-flight payment server 300, and the payment terminal 400.

3 is a diagram illustrating a configuration of an intra-flight payment server 300 according to an embodiment of the present invention.

3, the in-flight payment server 300 includes a communication setting unit 310, a user related information management unit 320, a payment request receiving unit 330, a payment approval determination unit 340, a payment request processing unit 350, An intra-flight billing server control unit 360 and an intra-flight billing server communication unit 370.

First, the communication setting unit 310 can set the communication mode of the in-flight payment server 300 that determines the manner in which the in-flight payment server 300 communicates with the external server or the external device by determining the flight status of the aircraft.

In detail, according to one embodiment, the communication setting unit 310 can detect the position information, the altitude information, the speed information, and the like of the aircraft, and can determine the flight state of the aircraft as a landing state or a take- .

Accordingly, the communication setting unit 310 sets the communication mode of the intra-flight payment server 300 to the communication mode with the card issuer server 200 when the aircraft is landing, so that the intra-flight payment server 300 can communicate with the external communication network (E.g., WiFi at the airport).

When the aircraft is in the take-off state, the communication setting unit 310 sets the communication mode of the intra-flight payment server 300 to the communication mode with the payment terminal 400 so that the intra-flight payment server 300 can communicate with the communication network A wifi of an airplane, etc.).

The user-related information management unit 320 may store and manage the user-related information and the card black list information received from the card issuer server 200.

Specifically, when the communication setting unit 310 determines that the aircraft is in a landing state as a result of the determination of the flight state of the aircraft, the user-related information management unit 320 transmits a signal requesting user- To the server (200).

At this time, the transmission of the signal requesting the user related information and the card black list information may be performed at every landing of the aircraft.

Accordingly, the user-related information management unit 320 periodically receives and stores the user-related information and the card black-list information from the card issuer server 200, thereby storing the previously stored user-related information and the card black- User related information and card blacklist information.

The payment request receiving unit 330 may receive the user's card settlement request signal from the payment terminal 400 when the communication setting unit 310 determines the flight status of the aircraft and the aircraft is in the take-off status.

Specifically, the payment terminal 400 can recognize the card recognition information such as the card number, expiration date, CVC number, and the like presented by the user for purchasing a product through the card reader connected to the payment terminal 400, Name, price, and the like of the goods to be purchased by recognizing the bar code or QR code of the goods through the sensor module connected to the payment terminal 400, or by directly inputting the bar code or the QR code to the crew.

According to an embodiment, a user may generate a biometric information identification code of a user by inputting his / her biometric information through the user terminal 100 before or after requesting a card settlement, The payment terminal 400 may transmit the generated biometric information identification code.

Accordingly, the payment terminal 400 may transmit a card settlement request signal including one or more of the card identification information, the payment product information, and the user's biometric information identification code to the settlement request receiving unit 330.

Based on the user related information and the card black list information received from the user related information management unit 320, the payment approval deciding unit 340 can determine whether the card settlement request signal received from the settlement request receiving unit 330 is approved have.

Specifically, upon receiving the card settlement request signal, the payment approval decision unit 340 can check the card black list information and the entire card information for each user.

If it is determined that the requested card is included in the card black list or is not valid according to the entire card information for each user, the payment approval decider 340 determines that the card It can be determined that the request signal is unapproachable.

Upon receipt of the card settlement request signal, the payment approval decision unit 340 according to an embodiment of the present invention can check the previously stored user identification information, the card information, the biometric information identification code, and the FDS analysis information, When the result of the check matches the FDS condition information, the card payment request can be rejected.

According to one embodiment, the payment approval decision unit 340 can confirm the remaining limit of the card or the balance information of the account connected to the card upon receiving the card settlement request signal.

At this time, if the remaining limit or account balance is less than the amount of the requested payment, the payment approval decision unit 340 may determine that the card payment request can not be approved according to the stored FDS condition information.

In addition, the payment approval deciding unit 340 according to an embodiment can confirm the information on whether or not the pre-stored user is in the airport when receiving the card settlement request signal.

If the user does not have a record of entering or leaving the airport, or if the information on whether or not the airport enters or exits is not updated before taking off the aircraft, the payment approval determiner 340 determines the FDS condition information It can be determined that the card settlement request can not be approved.

According to an embodiment of the present invention, when the payment approval decision unit 340 receives the card settlement request signal, it can check the payment item pattern of the stored card.

At this time, if the type of the merchandise to be purchased through the card payment is not included in the merchandise type indicated in the payment item pattern, the payment approval decider 340 determines that the card settlement request It can be judged to be unacceptable.

The payment approval decision unit 340 according to the embodiment of the present invention may also check the payment amount pattern of the pre-stored card upon receiving the card payment request signal.

If it is determined that the amount of the merchandise to be purchased by the user is larger than the average value or the maximum value of the payment amount pattern by a predetermined amount or more, It can be determined that the card settlement request can not be approved according to the information.

In addition, the payment approval decision unit 340 according to the embodiment may check the payment time pattern of the stored card when receiving the card settlement request signal.

Accordingly, if the time at which the card settlement request signal is generated exceeds the predetermined time from the time zone indicated in the settlement time pattern, the settlement approval determiner 340 determines that the card settlement request can not be approved according to the stored FDS condition information It can be judged.

According to an embodiment of the present invention, the payment approval decision unit 340 can confirm the immediately previous use time information and the immediately previous use position information of the previously stored card upon receiving the card settlement request signal.

At this time, the payment approval decision unit 340 can confirm the position information of the aircraft in operation, and calculate the travel time of the user from the difference between the position of the aircraft and the immediately preceding use position.

Accordingly, when the difference between the time at which the card settlement request signal is generated and the immediately preceding use time is less than the user's movement time, the payment approval decision unit 340 determines that the card settlement request It can be judged to be unacceptable.

The payment approval deciding unit 340 according to an embodiment of the present invention can confirm whether the card is recently used or not when receiving the card settlement request signal.

Accordingly, when it is determined that the card has not been used within a predetermined time from the generation of the card settlement request signal, the payment approval decision unit 340 determines that the card settlement request can not be approved according to the stored FDS condition information .

Upon receiving the card settlement request signal, the settlement approval determination unit 340 according to an exemplary embodiment may also check the existing illegal use occurrence history information of the previously stored card.

If the card is fraudulently used within a predetermined period of time after receiving the card settlement request signal, the payment approval decision unit 340 determines that the card settlement request can not be approved according to the stored FDS condition information can do.

According to an embodiment of the present invention, upon receiving the card settlement request signal, the settlement approval determiner 340 may compare the biometric information identification code (hereinafter referred to as a first biometric information identification code) (Hereinafter, referred to as a second biometric information identification code) newly received from the user terminal 100 through the first biometric information identification code.

If the first biometric information identification code and the second biometric information identification code do not match as a result of the comparison, the payment approval determination unit 340 determines that the card payment request is not approved based on the previously stored FDS condition information can do.

According to an embodiment of the present invention, when the first biometric information identification code is encrypted with a specific encryption algorithm, the decryption algorithm corresponding to the encryption algorithm may be stored in the payment approval decider 340 .

Accordingly, the payment approval deciding unit 340 may further decode the first biometric information identification code into the decryption algorithm before comparing the first biometric information ID code with the second biometric information ID code.

The payment request processing unit 350 may allow the payment terminal 400 to approve or reject the card payment request according to whether the card payment request signal determined by the payment approval decision unit 340 is approved.

Specifically, when it is determined that the card settlement request signal can be approved, the settlement request processing unit 350 transmits a signal for approving the card settlement request to the settlement terminal 400 , And can store the history information in which the card settlement is approved and processed.

According to an embodiment of the present invention, the payment request processing unit 350 transmits the card payment approval history information to the user terminal 100 through the payment terminal 400, It is possible.

The payment request processing unit 350 transmits a signal for rejecting the card settlement request to the settlement terminal 400 when the settlement approval determination unit 340 determines that the card settlement request signal is unapproachable , And can store the history information in which the card settlement has been rejected.

According to an embodiment of the present invention, the payment terminal 400 displays the card settlement rejection history information received from the settlement request processing unit 350 on the display of the payment terminal 400, You may also be warned that your card has been misused.

The in-flight payment server control unit 360 includes a communication setting unit 310, a user related information management unit 320, a payment request receiving unit 330, a payment approval determination unit 340, a payment request processing unit 350, 370 in accordance with the present invention. That is, the intra-flight payment server control unit 360 according to the present invention includes a communication setting unit 310, a user related information management unit 320, a payment request reception unit 330, a payment approval determination unit 340, a payment request processing unit 350, And the intra-flight payment server communication unit 370, respectively.

The intra-flight billing server communication unit 370 according to an embodiment enables communication between the intra-flight billing server 300, an external server, and an external device. Specifically, the in-flight payment server 300 enables communication with the user terminal 100, the card issuing server 200, and the payment terminal 400.

4 is a flowchart illustrating an in-flight payment service provision process according to an exemplary embodiment of the present invention.

First, the card issuer server 200 according to an exemplary embodiment of the present invention collects and stores user identification information, card information, entire card information for each user, card black list information, and a user's biometric information identification code.

The user identification information is identification information of each user received from the user terminal, and includes a user's name, a social security number, a contact address, an account number, a consent to provide location information, The location information of the user, whether or not the user agrees to provide the FDS information, and the like.

The card information may be information of a credit card or a check card issued to the user, and may include a card number, an expiration date, a CVC number, a remaining limit, account balance information, usage history information, Card, lost report card, black list-containing card, etc.) information.

The total card information for each user may include one or more of validity and remaining limit determined based on one or more of the number of cards held by a specific user, the valid period of the card, the unavailable card information, and the FDS condition information .

The card black list may be a list of cards that have been suspended, cards that have been expired, cards that have passed the expiration date, cards of a user with a bad credit, or cards that have been overdue for a certain period of time.

The biometric information identification code is information for identifying biometric information of a user such as a fingerprint, iris, voice, etc., and may be collected by a card company from a user terminal and a biometric information certification authority server. Lt; / RTI >

According to an embodiment of the present invention, the card issuer server 200 may generate and store various FDS analysis information and FDS condition information based on the user identification information, the card information, the user's biometric information identification code, and the like.

At this time, the generation and storage of the FDS analysis information and the FDS condition information can be performed in real time, so that the card company server 200 can update the FDS analysis information and the FDS condition information at all times.

The FDS analysis information may include at least one or more of the user's entrance / exit to the airport, the payment item pattern of the card, the payment amount pattern, the payment time pattern, the immediately preceding use time, the immediately previous use location information, .

The FDS condition information may be condition information for rejecting the card settlement request according to the user identification information, the card information, and the FDS analysis information.

4, when the aircraft is in a landing state, the in-flight payment server 300 transmits user identification information, card information, total card information for each user, biometric information identification code, FDS analysis information, FDS condition information, And transmits a signal requesting the user-related information and the card black list information to the card issuer server 200 (S401).

According to one embodiment, the intra-flight payment server 300 can sense the position information, the altitude information, the speed information, and the like of the aircraft, and can determine the flight state of the aircraft as the landing state or the take-off state.

The card issuer server 200 may transmit the user related information and the card black list information to the in-flight payment server 300 according to the user related information request signal received in step S401 (S402) In step S402, the user related information received from the card issuer server 200 and the card black list information may be stored in the database in the in-flight payment server 300 (S403).

The steps S401 to S403 may be performed at every landing of the aircraft, and the intra-flight payment server 300 may periodically update the user related information and the card black list information.

According to an embodiment of the present invention, after the aircraft is taken off, the payment terminal 400 in the airplane can transmit the card settlement request signal of the user to the in-flight payment server 300 (S404).

Specifically, the payment terminal 400 can recognize the card recognition information such as the card number, expiration date, CVC number, and the like presented by the user for purchasing a product through the card reader connected to the payment terminal 400, Name, price, and the like of the goods to be purchased by recognizing the bar code or QR code of the goods through the sensor module connected to the payment terminal 400, or by directly inputting the bar code or the QR code to the crew.

According to one embodiment, a user may generate a biometric information identification code of a user by inputting his / her biometric information through a user terminal before or after requesting a card settlement, and the user terminal may generate the biometric information And transmit the identification code to the payment terminal 400.

Accordingly, the payment terminal 400 can transmit a card settlement request signal including one or more of the card identification information, the payment product information, and the user's biometric information identification code to the in-flight payment server 300.

Based on the user related information and the card black list information stored in step S403, the intra-board payment server 300 can determine whether the card settlement request signal received in step S404 can be approved or not (step S405) ).

Specifically, the intra-flight payment server 300 according to an exemplary embodiment can check the card black list information and the entire card information for each user upon receiving the card settlement request signal. If it is determined that the requested card is included in the card black list or is not valid according to the entire card information for each user, the in-flight payment server 300 transmits the card settlement request It can be judged that the signal is unapproachable.

Also, according to one embodiment, the intra-flight payment server 300 can confirm the user identification information, the card information, the biometric information identification code, and the FDS analysis information, etc., upon receiving the card settlement request signal.

Accordingly, the intra-flight payment server 300 compares the confirmed information with the FDS condition information, and when the confirmed information matches the condition for rejecting the card settlement request according to the FDS condition information, It can be judged to be impossible.

According to one embodiment, the intra-flight payment server 300 may store the card settlement request information determined in step S405 as the card settlement approval history information, and the card settlement request information determined to be rejected as the card settlement rejection history information (S406) .

When it is determined that the card settlement request signal is acceptable according to the determination result in step S405, the intra-flight payment server 300 transmits a signal for approving the card settlement request to the in- A signal for rejecting the card settlement request may be transmitted to the payment terminal 400 (S407).

Accordingly, when the signal received from the in-flight payment server 300 through the step S407 is a card payment approval signal, the payment terminal 400 can approve the card settlement request. If the signal is a card settlement reject signal, The settlement request may be rejected (S408).

In addition, according to an embodiment of the present invention, the payment terminal 400 can immediately provide the user with the card payment approval result by transmitting the approved card payment history information to the user terminal.

In addition, according to an embodiment of the present invention, the payment terminal 400 displays the card settlement history information, which has been rejected, on the display of the payment terminal 400 so that the card is illegally used to the crew performing the card settlement You can also warn.

According to an embodiment of the present invention, after the aircraft landing, the intra-flight payment server 300 transmits to the card issuer server 200, all the card payment processing history information stored in step S406, History information to the card issuer server 200 (S409).

The card issuer server 200 can acquire the card payment approval details according to the card payment approval history information received from the in-flight payment server 300 through step S409 (S410-1), and transmits the card payment rejection history information And may be stored as existing illegal use occurrence history information which is FDS analysis information (S410-2).

At this time, the card company server 200 according to the embodiment may transmit the card settlement rejection history information to the user terminal so that the user can grasp the current status of the card.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: User terminal
200: card company server
210: Member Information Management Department
220: FDS information management unit
230: User related information transmission unit
240: payment history receiver
250: Card issuer server control section
260: Card issuer server communication section
300: In-flight payment server
310: Communication setting unit
320: User related information management unit
330: payment request receiver
340: Payment approval decision unit
350: payment request processor
360: In-flight payment server controller
370: In-flight payment server communication unit
400: Payment terminal

Claims (18)

A method of processing a card settlement during operation of an aircraft,
(a) acquiring the entire card information and the card black list information of a user located within a predetermined distance from the aircraft before take-off of the aircraft;
(b) sensing a card settlement request signal after taking off the aircraft; And
(c) processing the card settlement request signal based on the entire card information of the user and the card black list information,
In the step (c)
Accepts the card settlement only if the card information contained in the card settlement request signal is included in the entire card information of the user and is not included in the blacklist information,
Whether the user is within a predetermined distance from the aircraft,
Wherein the determination is made on the basis of the location information of the user terminal of the user or based on a history of use of the card held by the user within a predetermined distance from the aircraft.
The method according to claim 1,
Wherein the entire card information comprises:
The number of available cards, the validity and remaining limit of the cards held by the user.
3. The method of claim 2,
Whether or not the card is valid,
The card validity period, the unavailable card information, and the FDS condition information.
delete delete The method according to claim 1,
The card settlement request includes:
An in-flight settlement service including a number of a card recognized by the in-flight settlement device, an expiration date, a CVC number, etc., and one or more types, names, and prices of goods to be purchased by the user Delivery method.
7. The method of claim 1 or 6,
Wherein the user-related information and the card settlement request include:
Further comprising a biometric information identification code, which is a character string that can identify one or more of fingerprint information, iris information, and voice information of the user.
8. The method of claim 7,
Wherein the biometric information identification code comprises:
Wherein the information is encrypted with an encryption algorithm corresponding to a decryption algorithm stored in the intra-cabin payment device.
The method according to claim 1,
The step (c)
Accepting or rejecting the card settlement according to whether the card settlement request signal is processed;
Storing the history information of the card settlement subjected to the approval processing and the history information of the card settlement processed by the reject processing; And
And transmitting to the card issuer server the card settlement history information after the aircraft landing, and the credit card settlement history information after the aircraft landing.
An in-flight settlement apparatus for processing a card settlement during an aircraft operation,
A user related information DB for acquiring the entire card information and the card black list information of a user located within a predetermined distance from the aircraft before taking off the aircraft;
A payment request receiving unit for sensing a card settlement request signal after the aircraft is taken off; And
And a payment approval deciding unit for deciding whether to process the card settlement request signal based on the entire card information and the card black list information of the user,
The payment approval determination unit may determine,
Accepts the card settlement only if the card information contained in the card settlement request signal is included in the entire card information of the user and is not included in the blacklist information,
Whether the user is within a predetermined distance from the aircraft,
Wherein the determination is made based on the location information of the user terminal of the user or based on the details of the card held by the user within a predetermined distance from the aircraft.
11. The method of claim 10,
Wherein the entire card information comprises:
The number of available cards, the validity and the remaining limit of the cards held by the user.
12. The method of claim 11,
Whether or not the card is valid,
The card validity period, the unavailable card information, and the FDS condition information.
delete delete 11. The method of claim 10,
The card settlement request includes:
An in-flight settlement apparatus including at least one or more than one number of a card recognized by the in-flight settlement apparatus, an expiration date, and a CVC number, and the type, name, .
16. The method of claim 10 or 15,
Wherein the user-related information and the card settlement request include:
Further comprising a biometric information identification code which is a character string that can identify one or more of fingerprint information, iris information, and voice information of the user.
17. The method of claim 16,
Wherein the biometric information identification code comprises:
And is encrypted with an encryption algorithm corresponding to a decryption algorithm stored in the in-flight settlement apparatus.
11. The method of claim 10,
The intra-
Wherein the information processing unit accepts or rejects the card settlement according to whether the card settlement request signal is processed or not and stores the details of the card settlement of the approval process and the details of the card settlement process that has been rejected, And a payment request processing unit for transmitting the card settlement history information subjected to the approval processing and the card settlement history information processed by the rejection processing to a card company server.
KR1020160121981A 2016-06-20 2016-09-23 Method and apparatus for providing card payment service in an airplane which is in the process of flight KR101857067B1 (en)

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KR1020160121981A KR101857067B1 (en) 2016-06-20 2016-09-23 Method and apparatus for providing card payment service in an airplane which is in the process of flight
KR1020160122082A KR101872278B1 (en) 2016-06-20 2016-09-23 Method for controlling operation of display card and display card
KR1020160123319A KR101757125B1 (en) 2016-06-20 2016-09-26 Method and server for providing card service on behalf of card issue company
KR1020160129946A KR101752102B1 (en) 2016-06-20 2016-10-07 Method providing service processing part sales and payment relay server
KR1020160130025A KR101910915B1 (en) 2016-06-20 2016-10-07 Method for producing overseas payment service connecting domestic card and card company server performing the same
KR1020160129642A KR101836328B1 (en) 2016-06-20 2016-10-07 Server and method for processing cancellation of sales in elenctronic data capture type payment processing
KR1020160129559A KR101756594B1 (en) 2016-06-20 2016-10-07 Method for producing financial transaction approval non-stop service through acting as an approval proxy and card company server performing the same
KR1020160129947A KR101896455B1 (en) 2016-06-20 2016-10-07 Method providing certification service using transaction authorization process of card and certification support server
KR1020160129561A KR101757126B1 (en) 2016-06-20 2016-10-07 Method for producing integrated card company approval agent service and card company server
KR1020160132114A KR101872279B1 (en) 2016-06-20 2016-10-12 Method supporting selection of alliance service and card company server
KR1020160132671A KR101766597B1 (en) 2016-06-20 2016-10-13 Method and card business processing server for deferring payment of card charges to store
KR1020160133498A KR101756598B1 (en) 2016-06-20 2016-10-14 Method and server for providing mobile coupon service according to card usage informaion
KR1020160134836A KR101857073B1 (en) 2016-06-20 2016-10-18 Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method
KR1020160136374A KR101852017B1 (en) 2016-06-20 2016-10-20 Method for providing unusual affiliation distinguishment service using location information and card company server performing the same
KR1020160137479A KR101852016B1 (en) 2016-06-20 2016-10-21 Method and server for remitting card payment seperately
KR1020160138569A KR101766598B1 (en) 2016-06-20 2016-10-24 Method and card company server for processing authorization of transaction
KR1020160139948A KR101766599B1 (en) 2016-06-20 2016-10-26 Method and card company server for processing payment by checking verification value, method and smart card for support payment by using verification value
KR1020160142114A KR101760622B1 (en) 2016-06-20 2016-10-28 Method for approving payment using smart card, card company server performing the same and smart card
KR1020160141934A KR20170142831A (en) 2016-06-20 2016-10-28 Method and server for providing dutch pay information

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KR1020160122082A KR101872278B1 (en) 2016-06-20 2016-09-23 Method for controlling operation of display card and display card
KR1020160123319A KR101757125B1 (en) 2016-06-20 2016-09-26 Method and server for providing card service on behalf of card issue company
KR1020160129946A KR101752102B1 (en) 2016-06-20 2016-10-07 Method providing service processing part sales and payment relay server
KR1020160130025A KR101910915B1 (en) 2016-06-20 2016-10-07 Method for producing overseas payment service connecting domestic card and card company server performing the same
KR1020160129642A KR101836328B1 (en) 2016-06-20 2016-10-07 Server and method for processing cancellation of sales in elenctronic data capture type payment processing
KR1020160129559A KR101756594B1 (en) 2016-06-20 2016-10-07 Method for producing financial transaction approval non-stop service through acting as an approval proxy and card company server performing the same
KR1020160129947A KR101896455B1 (en) 2016-06-20 2016-10-07 Method providing certification service using transaction authorization process of card and certification support server
KR1020160129561A KR101757126B1 (en) 2016-06-20 2016-10-07 Method for producing integrated card company approval agent service and card company server
KR1020160132114A KR101872279B1 (en) 2016-06-20 2016-10-12 Method supporting selection of alliance service and card company server
KR1020160132671A KR101766597B1 (en) 2016-06-20 2016-10-13 Method and card business processing server for deferring payment of card charges to store
KR1020160133498A KR101756598B1 (en) 2016-06-20 2016-10-14 Method and server for providing mobile coupon service according to card usage informaion
KR1020160134836A KR101857073B1 (en) 2016-06-20 2016-10-18 Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method
KR1020160136374A KR101852017B1 (en) 2016-06-20 2016-10-20 Method for providing unusual affiliation distinguishment service using location information and card company server performing the same
KR1020160137479A KR101852016B1 (en) 2016-06-20 2016-10-21 Method and server for remitting card payment seperately
KR1020160138569A KR101766598B1 (en) 2016-06-20 2016-10-24 Method and card company server for processing authorization of transaction
KR1020160139948A KR101766599B1 (en) 2016-06-20 2016-10-26 Method and card company server for processing payment by checking verification value, method and smart card for support payment by using verification value
KR1020160142114A KR101760622B1 (en) 2016-06-20 2016-10-28 Method for approving payment using smart card, card company server performing the same and smart card
KR1020160141934A KR20170142831A (en) 2016-06-20 2016-10-28 Method and server for providing dutch pay information

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