WO2015002346A1 - Méthode et serveur de paiement par carte - Google Patents

Méthode et serveur de paiement par carte Download PDF

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Publication number
WO2015002346A1
WO2015002346A1 PCT/KR2013/008595 KR2013008595W WO2015002346A1 WO 2015002346 A1 WO2015002346 A1 WO 2015002346A1 KR 2013008595 W KR2013008595 W KR 2013008595W WO 2015002346 A1 WO2015002346 A1 WO 2015002346A1
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WO
WIPO (PCT)
Prior art keywords
payment
card
terminal
payment terminal
company server
Prior art date
Application number
PCT/KR2013/008595
Other languages
English (en)
Korean (ko)
Inventor
장석호
이강태
Original Assignee
비씨카드 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020130076547A external-priority patent/KR101909564B1/ko
Application filed by 비씨카드 주식회사 filed Critical 비씨카드 주식회사
Priority to CN201380040996.2A priority Critical patent/CN104685521A/zh
Publication of WO2015002346A1 publication Critical patent/WO2015002346A1/fr

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"

Definitions

  • the present invention relates to a card payment method and a server, and more particularly, to a method and a server for processing a card payment in an aircraft in flight.
  • In-flight duty-free merchandise is active on board aircraft.
  • the card is mainly used for payment of these duty-free goods.
  • the aircraft takes off and maintains an altitude of 1KM or more above the ground, communication connection is impossible, and accordingly, the payment approval process cannot proceed in real time with the card company on the ground.
  • the present invention is to solve the above-mentioned problems of the prior art, and to provide a card payment method and server that can handle various types of card payment even within the aircraft in flight.
  • a card company server connected to a payment terminal used in an aircraft in flight performs a payment, wherein the card company server provides an in-flight payment service to the payment terminal. Transmitting a list of provided card numbers; When the payment terminal detects a communication connection, receiving from the payment terminal a payment approval request for payment information including payment request card number included in payment information input to the payment terminal in the card number list; ; And processing payment approval for payment information corresponding to the payment approval request.
  • the method may further include transmitting the payment approval processing result to the payment terminal, and the payment approval request may be a collective approval request for a plurality of payment information stored in the payment terminal.
  • the payment terminal includes a plurality of slave payment terminals and a master payment terminal, wherein the master payment terminal receives payment information from the plurality of slave payment terminals, and when the communication connection is detected, payment approval for the received payment information.
  • the request may be sent to the card company server.
  • the card number list may be a list of BIN numbers of cards that the card company server provides in-flight payment service.
  • Another embodiment of the present invention provides a method for payment by a payment terminal used in an aircraft in flight, comprising: inputting payment information including the payment request card number; Determining whether the card number included in the payment information is included in a list of card numbers that provide in-flight payment services; If the payment request card number is included in the card number list, storing payment information including the payment request card number; Detecting a communication connection, transmitting a payment approval request for the stored payment information to a card company server; And receiving a result of the payment approval request.
  • the card company server in the card company server that provides in-flight payment service through the payment terminal used in the aircraft in flight, the card company server to the payment terminal to transmit a list of card number for the in-flight payment service A card number list transmitting unit;
  • the payment terminal detects a communication connection, the payment for receiving a payment approval request for the payment information that the payment request card number included in the payment information input to the payment terminal included in the card number list from the payment terminal Approval request receiving unit; And a payment approval unit processing payment approval for payment information corresponding to the payment approval request.
  • the apparatus may further include an approval result transmitter configured to transmit the payment approval processing result to the payment terminal, and the payment approval request may be a collective approval request for a plurality of payment information stored in the payment terminal.
  • the payment terminal includes a plurality of slave payment terminals and a master payment terminal, wherein the master payment terminal receives payment information from the plurality of slave payment terminals, and when the communication connection is detected, payment approval for the received payment information.
  • the request may be sent to the card company server.
  • the card number list may be a list of BIN numbers of cards that the card company server provides in-flight payment service.
  • a payment service for various types of cards may be provided to a user who wants to purchase in-flight duty free goods in an aircraft in flight.
  • FIG. 1 is a schematic diagram showing a card payment system according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating a card company server according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a card payment method according to an embodiment of the present invention.
  • FIG. 1 is a schematic diagram showing a card payment system according to an embodiment of the present invention.
  • the card payment system may include a payment terminal 100 and a card company server 200.
  • the payment terminal 100 is a terminal used for payment in an aircraft in flight, and may include a master payment terminal 110 and a plurality of slave payment terminals 120.
  • the payment terminal 100 may communicate with an external object such as a card company server 200 through a network.
  • the network may be a wireless communication network, such as Wifi (Wireless fidelity), 3G, and Wibro (Wireless Broadband). It may be based on a communication method.
  • the payment terminal 100 is not limited to any terminal as long as the terminal can communicate with an external server through a network such as a smart phone, a tablet PC, a PDA, and the like.
  • the card payment method looking at the ground business process before the flight, before the flight terminal 100, the card number from the card company server 200 to the card company server 200 to provide in-flight payment service card number Receive the list.
  • the card provided by the card company server may provide a check card and a debit card
  • the card number list may be a BIN number data list of each card.
  • the payment terminal 100 receiving the card number list may be a master payment terminal 110 and a slave payment terminal 120.
  • the payment terminal 100 may receive a list of in-flight payment service providing card numbers directly from the card company server 200, or may receive a list of payment service providing card number lists through an airline server.
  • the airline server receives and stores BIN number data such as a check card and a debit card that provide in-flight payment service from the card company server 200 to the card company server 200, and before the flight attendant or airline employee
  • BIN number data such as a check card and a debit card that provide in-flight payment service from the card company server 200 to the card company server 200, and before the flight attendant or airline employee
  • the payment terminal 100 may receive and store a list of card BIN number data through an airline server.
  • the preset setting for the card payment during the flight is completed.
  • the card payment service may be processed through the payment terminal 100.
  • the payment terminal 100 reads the number of the payment request card, and the crew selling the duty-free goods enters the product price information and the like into the payment terminal 100. Payment information including the payment request card number may be input to the payment terminal 100.
  • the payment terminal 100 checks whether the card number included in the payment information input to the payment terminal 100 is included in the previously stored card number list.
  • the card number list is a BIN number list of in-flight payment service providing cards
  • Payment information is payment information, which includes customer identification information (passport number, social security number, name, etc.), seat number, purchase product information, purchase price and card information (card number, CVC number, expiration date, etc.). They may be associated with each other and stored in the payment terminal 100.
  • customer identification information passport number, social security number, name, etc.
  • seat number purchase product information
  • purchase price and card information card number, CVC number, expiration date, etc.
  • payment information may be classified and stored according to the card type (credit card, check card, debit card, etc.) according to the card number included in the payment information.
  • card type credit card, check card, debit card, etc.
  • the master payment terminal 110 May integrate and store all payment information of the slave payment terminal 120.
  • the slave payment terminal 120 transmits the stored payment information to the master payment terminal 110
  • infrared communication, short-range wireless communication, or the like is used, or the master payment terminal using the SD card mounted on the slave payment terminal 120.
  • Payment information may be transmitted to 110.
  • the payment information to be transmitted to the master payment terminal 110 may include a card number including a BIN number, payment amount, purchase product information, buyer identification information, buyer seat information, and the like. Classified according to the type may be stored in the master payment terminal 110.
  • the master payment terminal 110 stores the payment information transmitted from the slave payment terminal 120 as described above, and when the airplane attempts to land and detects that communication with the ground network is connected, the plurality of payments stored
  • the payment approval request for the information may be transmitted to the card company server 200.
  • the CDMA or GSM modem is installed in the master payment terminal 110, when the master payment terminal 110 detects that the mobile communication is possible in the landing plane, stored in the form of a batch file (batch file)
  • the collective approval request for the plurality of payment information may be transmitted to the card company server 200.
  • the master payment terminal 110 may transmit a payment approval request to a domestic card company server 200 through a roaming service of an overseas mobile communication network.
  • the master payment terminal 110 when the master payment terminal 110 detects a network connection during landing of the plane, the master payment terminal 110 transmits a request for approval of payment information made during the flight to the card company server 200. And, since the card company server 200 can directly receive the result of the payment approval request, the card company server 300 detects that at least any one of the plurality of payment information is abnormal transactions, the result value of the master payment terminal Sending to 110, the crew may retrieve the item that was sold from the customer corresponding to the abnormal transaction.
  • FIG. 2 is a block diagram showing the internal configuration of a card company server according to an embodiment of the present invention.
  • card number list transmission unit 210, payment approval request receiving unit 220, payment approval unit 230 and the approval result transmission unit 240 may include. have.
  • the card number list transmitting unit 210 transmits a card number list of cards provided with in-flight payment service to the payment terminal 100.
  • the card number list may include the BIN numbers of the cards for which the listed payment service is provided, and may further include any card numbers.
  • the card number list transmitted to the payment terminal 100 may be used to determine whether to provide a payment service in the cabin.
  • the card provided with the in-flight payment service may include a credit card and a debit card as well as a credit card
  • the card number list includes a list of BIN numbers of credit, check and debit cards. May be included.
  • the payment approval request receiver 220 may receive a payment approval request for payment information stored in the payment terminal 100 from the payment terminal 100.
  • the payment terminal 100 transmitting the payment approval request may be a master payment terminal 110 or does not perform a process of integrating data from the slave payment terminal 120 to the master payment terminal 110
  • the slave payment terminal 120 may directly transmit a payment approval request for payment information to the payment approval request receiver 220.
  • the payment terminal 100 transmitting the payment approval request includes the card number included in the payment information in the card number list described above, and stores the corresponding payment information and detects that the payment terminal 100 is connected to the communication.
  • the payment approval request for the stored payment information may be transmitted to the payment approval request receiver 220.
  • the payment terminal 100 checks whether the card number included in the payment information is included in the card number list transmitted from the card company server 200, and stores the corresponding payment information when it is confirmed.
  • each slave payment terminal 120 is transmitted to the master payment terminal 110, the master payment terminal 110, if the communication connection is detected from the ground, payment approval for the stored payment information
  • the request may be transmitted to the payment approval request receiver 220 of the card company server 200.
  • the payment approval unit 230 may determine whether to approve each payment information based on the payment information received by the payment approval request receiving unit 220.
  • the payment information may include customer identification information (passport number, social security number, name, etc.), seat number, purchase product information, purchase price and card information (card number, CVC number, expiration date, etc.).
  • the payment approval unit 230 may determine whether the payment is approved based on the card information and the purchase price information among the received payment information, and the approval result transmitter 240 may determine the payment approval result from the payment terminal 100. Can be sent to.
  • the card company server 200 may determine whether to approve the payment made in the cabin, and transmit the result to the payment terminal 100, an example of countermeasures for abnormal transactions. For example, it may be possible to recover a sold item or propose a payment process to another card, thereby reducing the risk of providing the card company's in-flight payment service.
  • FIG. 3 is a flowchart illustrating a card payment method according to another embodiment of the present invention.
  • the payment terminal 100 includes a master payment terminal 110 and a slave payment terminal 120, and payment information is transferred from the slave payment terminal 120 to the master payment terminal 110.
  • the case where the procedure is integrated is described as an example.
  • the card company server 200 transmits the card number list to the payment terminal 100 (S310).
  • the card number list is a list including card numbers of cards that provide in-flight payment services in the card company server 200, and according to an embodiment, the card number list may be a BIN number list of in-flight payment service providing cards.
  • the list payment service providing card number list may be transmitted to both the master payment terminal 110 and the slave payment terminal 120, as shown in FIG. 3.
  • the card number list may be transmitted to all payment terminals 100 to be used for in-flight payment service.
  • Slave payment terminal 120 received the card number list, if the customer wants to pay the card for sale of duty-free goods in the cabin, the customer can read the information of the card requesting payment, and receive the card information, the customer wants to purchase
  • the identification information and price information of the purchased goods may be input (S320).
  • the slave payment terminal 120 when payment information including the card number is input to the slave payment terminal 120, the slave payment terminal 120 includes the card number included in the payment information in the card number list received from the card company server 200. It may be determined whether or not there is (S330).
  • the corresponding payment information may be stored in the slave payment terminal 120 (S340).
  • flight attendants may provide payment services to customers through the slave payment terminal 120, and each slave payment terminal 120 may have in-flight payment services. Payment information requested through the provided cards may be stored.
  • the payment information stored in the slave payment terminal 120 may be transmitted and integrated later to the master payment terminal 110 (S350).
  • payment information transmission between the slave payment terminal 120 and the master payment terminal 110 may be made through short-range wireless communication, infrared communication, and the like, and in addition, the master payment terminal through a data transmission method through an SD card. Payment information may be sent to 110.
  • the master payment terminal 110 receives and stores all payment information through the above process, and the master payment terminal 110 may detect whether communication with the terrestrial communication network is connected (S360).
  • the master payment terminal 110 may check whether the communication connection is detected at predetermined time intervals, or when the communication is connected, a notification may be transmitted to the master payment terminal 110.
  • a notification message indicating that the communication is connected to the master payment terminal 110 may be transmitted.
  • the master payment terminal 110 may transmit a payment approval request for the plurality of stored payment information to the card company server 200 in a batch (S370).
  • a batch approval request for a plurality of payment information stored in the form of a batch file is generated.
  • Card company server 200 may be transmitted.
  • the card company server 200 having received the payment approval request may process payment approval using the payment information corresponding to the received payment approval request (S380).
  • the payment approval process if the card according to the payment request card information is a debit card or check card, since the balance of the account associated with the card can be confirmed in real time, payment approval processing through the debit card and check card is also possible.
  • the payment approval processing result for the abnormal transaction processed such as "not approved” such as fraudulent use may be directly transmitted from the card company server 200 to the master payment terminal 110 (S390).
  • the crew can immediately recover the goods sold to the customer corresponding to the transaction information have.
  • the payment approval process was performed after the customers got off the plane, and it was impossible to recover the goods for the abnormal transaction.
  • the payment terminal 100 detects that communication with the ground is connected.
  • the payment approval request is transmitted to the card company server 200 and the customer may receive the corresponding result before getting off the plane, the goods may be recovered immediately for the abnormal transaction.
  • payment of a check card and a debit card which was previously impossible to pay in an aircraft in flight, may be enabled, and payment approval for fraudulent use of the card, such as an abnormal transaction request, may be prevented in advance.
  • payment approval for fraudulent use of the card such as an abnormal transaction request

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Un mode de réalisation de la présente invention concerne une méthode de paiement par carte permettant à un serveur de société connecté à un terminal de paiement utilisé dans un aéronef en vol d'effectuer un paiement, la méthode comprenant les étapes suivantes : transmettre, au terminal de paiement, une liste de numéros de carte permettant de fournir un service de paiement en vol par le serveur de société de carte ; recevoir, du terminal de paiement, une demande d'autorisation de paiement pour des informations de paiement comprises dans la liste de numéros de carte contenant un numéro de carte de demande de paiement qui est compris dans les informations de paiement saisies dans le terminal de paiement lorsque le terminal de paiement détecte une connexion de communication ; et traiter une autorisation de paiement pour les informations de paiement correspondant à la demande d'autorisation de paiement.
PCT/KR2013/008595 2013-07-01 2013-09-25 Méthode et serveur de paiement par carte WO2015002346A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201380040996.2A CN104685521A (zh) 2013-07-01 2013-09-25 卡支付方法及服务器

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2013-0076547 2013-07-01
KR1020130076547A KR101909564B1 (ko) 2013-06-07 2013-07-01 카드 결제 방법 및 서버

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WO2015002346A1 true WO2015002346A1 (fr) 2015-01-08

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105719130A (zh) * 2014-12-02 2016-06-29 中兴通讯股份有限公司 支付验证方法、装置及系统
CN106022746A (zh) * 2016-05-23 2016-10-12 乐视控股(北京)有限公司 一种应用于终端设备的支付方法及装置
CN106096928A (zh) * 2016-06-06 2016-11-09 乐视控股(北京)有限公司 一种支付检测方法、装置、服务器以及支付检测系统
CN106096940A (zh) * 2016-06-03 2016-11-09 乐视控股(北京)有限公司 一种支付方法和装置
CN106327197A (zh) * 2016-08-24 2017-01-11 努比亚技术有限公司 支付装置、终端及支付方法

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Publication number Priority date Publication date Assignee Title
CN110135834B (zh) * 2019-04-12 2021-08-31 上海秋智信息科技有限公司 一种民航用空中信用支付方法及系统

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Publication number Priority date Publication date Assignee Title
CN105719130A (zh) * 2014-12-02 2016-06-29 中兴通讯股份有限公司 支付验证方法、装置及系统
CN106022746A (zh) * 2016-05-23 2016-10-12 乐视控股(北京)有限公司 一种应用于终端设备的支付方法及装置
CN106096940A (zh) * 2016-06-03 2016-11-09 乐视控股(北京)有限公司 一种支付方法和装置
CN106096928A (zh) * 2016-06-06 2016-11-09 乐视控股(北京)有限公司 一种支付检测方法、装置、服务器以及支付检测系统
CN106327197A (zh) * 2016-08-24 2017-01-11 努比亚技术有限公司 支付装置、终端及支付方法

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