WO2016137052A1

WO2016137052A1 - Airline ticket booking method and finance company server performing same

Info

Publication number: WO2016137052A1
Application number: PCT/KR2015/002892
Authority: WO
Inventors: 양승용; 이대진; 강석철; 오성역; 김일락; 이지희
Original assignee: 주식회사 우리은행
Priority date: 2015-02-27
Filing date: 2015-03-24
Publication date: 2016-09-01
Also published as: KR20160105165A; KR101916292B1

Abstract

An airline ticket booking method performed by a finance company server according to an embodiment of the present invention comprises the steps of: receiving a payment approval request message from a buyer terminal or an airline ticket booking server when a buyer accesses the airline ticket booking server through the buyer terminal, books an airline ticket, and requests payment; withdrawing an approved amount corresponding to a price of the airline ticket from a buyer account when the airline ticket payment approval request message is received; depositing the approved amount into a brokerage account; and transferring the approved amount having been deposited into the brokerage account to an airline account according to a final payment instruction. Thus, the present invention has an advantage in that purchase money of an airline ticket is deposited to an airline in a short time when a travel agency agent purchases the airline ticket.

Description

Ticket reservation method and financial company server executing the same

Embodiments of the present invention relate to a ticket reservation method and a financial institution server executing the same.

In general, a ticket reservation service may be reserved by a buyer directly accessing a server of an airline's reservation system, or a travel agent agent accessing a service server of an online reservation system.

The travel agent agent briefly describes the ticket booking service procedure performed through the service of the online booking system.The agent enters information such as the buyer's destination, departure time and seat class through the online booking system. Is displayed on the screen.

Thereafter, the travel agent selects any one of the displayed flights and fills in personal information such as his / her membership information, social security number, address, and name. The travel agent then goes through a payment process to complete a series of ticket booking procedures.

After the travel agent completes the ticket reservation process, the travel agent executes the ticket payment, and the data processing company approves the ticket issuance payment for a specific period of time and provides it to the travel agent. For example, the data processing company approves the ticketing payment on a five-day or ten-day basis and provides it to the travel agent.

As such, when the ticket issuance payment is approved by the data processing company, the financial company processes the payment and deposits the ticket purchase price in the account of the airline. In this case, there is a problem that the airline receives the ticket purchase price a few days after the travel agent agent purchased the ticket.

In addition, the travel agent agent may issue a ticket within a predetermined security range after paying for the ticket. Here, the predetermined collateral may be a deposit, a guarantee of payment, etc. held by the travel agent. However, there is a problem in that if the security range of the travel agent is small, there is a limitation in issuance of the ticket and thus cannot accommodate many customers.

It is an object of the present invention to provide a ticket reservation method and a financial company server which executes the same so that when a ticket is purchased from a travel agent, the purchase price of the ticket is deposited to the airline in a short time.

In addition, an object of the present invention is to provide a ticket reservation method for allowing a travel agent agent to execute a reservation of a ticket regardless of the security of the travel agent agent and a financial company server for executing the same.

In addition, the present invention by using the intermediary account to cancel the ticket purchase on the day the buyer purchased the ticket can immediately deposit the authorization amount to the buyer account to allow the buyer to immediately refund the authorization amount when canceling the ticket purchase An object of the present invention is to provide a ticket reservation method and a financial institution server for executing the same.

The problem to be solved by the present invention is not limited to the problem (s) mentioned above, and other object (s) not mentioned will be clearly understood by those skilled in the art from the following description.

Among the embodiments, the ticket reservation method executed in the financial company server receives a payment approval request message from the purchaser terminal or the ticket reservation server when the buyer accesses the ticket reservation server through the purchaser terminal to purchase a ticket and requests payment. And withdrawing the authorization amount corresponding to the price of the ticket from the purchaser account, depositing the authorization amount into an intermediary account, and receiving a final payment instruction. And transferring the authorization amount deposited to the airline account.

Among the embodiments, the financial company server, when the buyer connects to the ticket reservation server through the purchaser terminal to book a ticket and requests payment, the communication unit receiving the payment approval request message from the purchaser terminal or the ticket reservation server and the ticket payment Upon receipt of the authorization request message, withdraw the authorization amount corresponding to the price of the ticket from the buyer account, deposit the authorization amount into an intermediary account, and deposit the authorization amount deposited into the intermediary account according to the final payment instruction. It includes a payment processing unit that transfers to the account.

Specific details of other embodiments are included in the detailed description and the accompanying drawings.

Advantages and / or features of the present invention and methods for achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, only the present embodiments to make the disclosure of the present invention complete, and common knowledge in the art to which the present invention pertains. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

According to the present invention, when a ticket is purchased from a travel agent, the purchase price of the ticket is quickly deposited to the airline.

According to the present invention, there is an advantage that the travel agent agent can execute the reservation of the ticket regardless of the security of the travel agent agent.

In addition, according to the present invention, if the purchaser cancels the ticket purchase on the same day that the purchaser uses the intermediary account, the authorization amount can be immediately deposited into the purchaser account, so that the purchaser can immediately receive the refund of the authorization amount upon cancellation of the ticket purchase. There is an advantage.

1 is a network diagram illustrating a ticket reservation system according to an embodiment of the present invention.

2 is a network diagram illustrating a ticket reservation system according to another embodiment of the present invention.

3 is a network diagram illustrating a ticket reservation system according to another embodiment of the present invention.

4 is a block diagram illustrating an internal structure of a financial company server according to the present invention.

5 is a flowchart illustrating an embodiment of a ticket reservation method according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described embodiments of the present invention;

Referring to FIG. 1, a ticket reservation system includes a purchaser terminal 110, a ticket reservation server 120, and a financial institution server 140.

The purchaser terminal 110 is a terminal held by a user who accesses the ticket reservation server 120 to reserve a ticket. Here, the user may be a travel agent who sells tickets to the consumer on behalf of a travel provider such as an airline.

The purchaser terminal 110 may be pre-installed with software for accessing the airline reservation server 120 to purchase a ticket or may be installed by the purchaser after downloading from the ticket reservation server 120 and installed in the purchaser terminal 110. The buyer terminal 110 may be implemented as a smartphone, PDA, notebook, and the like.

The purchaser terminal 110 connects to the ticket reservation server 120 according to the buyer's request to reserve a ticket and requests payment. At this time, the purchaser terminal 110 may provide the ticket reservation server 120 or the financial company server 140 with the payment approval request message of the approval amount corresponding to the price of the ticket.

The ticket reservation server 120 is provided with a system for booking a ticket, and may include an airline server 130. The ticket reservation server 120 provides a ticket reservation procedure to the purchaser terminal 110, and if a payment is requested after the ticket is reserved through the ticket reservation procedure, a ticket approval request message is sent to the purchaser terminal 110 or the financial company server 140. To provide. At this time, when the ticket reservation server 120 transmits a payment approval request message to the purchaser terminal 110, the purchaser terminal 110 receives the payment approval request message from the ticket reservation server 120 and provides it to the financial company server 140. can do.

When the financial institution server 140 receives the payment approval request message from the purchaser terminal 110 or the ticket reservation server 120, the financial company server 140 executes payment of the approval amount corresponding to the ticket price.

When the financial institution server 140 receives the payment approval request message from the purchaser terminal 110 or the ticket reservation server 120, the financial institution server 140 withdraws the approval amount corresponding to the price of the ticket from the buyer account and deposits the approval amount into the intermediary account. If the balance of the buyer account is insufficient, the financial company server 140 notifies the airline reservation server 120 that the withdrawal of the authorized amount is not possible due to the lack of the balance so that the buyer may separately settle the payment.

Here, the intermediary account is an account which is temporarily deposited before the authorized amount is deposited in the airline's account, and includes an outstanding account and a ticketing intermediary account. An intermediary account is used to temporarily deposit an authorization in order to immediately deposit the authorization into the buyer's account if the purchaser cancels the ticket purchase on the day of purchase. Accordingly, the buyer can proceed with the ticketing of the ticket with the authorized amount in the intermediary account can solve the problem that the conventional problem is limited to the ticketing of the ticket due to the security.

The present invention has the advantage that the buyer can be refunded the authorization amount immediately when canceling the ticket purchase by using such intermediary account. Hereinafter, the financial company server 140 will be described in more detail the process of processing the authorization amount using such an intermediary account. In the following description, D + 0 is displayed on the day when the buyer connects to the ticket reservation server, D + 1 is the day after the payment, and D + 2 is the day after the payment.

When the financial institution server 140 receives the payment approval request message from the purchaser terminal 110 or the ticket reservation server 120, the financial institution server 140 withdraws the authorization amount corresponding to the ticket price from the buyer account, and temporarily deposits the authorization amount in the outstanding account. (D + 0).

Here, the outstanding account is the account used to temporarily deposit the authorization amount. As described above, the financial institution server 140 temporarily deposits the approved amount into the outstanding account in order to immediately deposit the approved amount into the buyer account when the purchaser cancels the ticket purchase on the day of purchase of the ticket.

Thereafter, the financial institution server 140 withdraws the approved amount from the unpaid account according to the intermediate payment instruction, and deposits the approved amount into the ticketing broker account (D + 1). At this time, the financial company server 140 deposits the approved amount in the unpaid account, and withdraws the approved amount from the unpaid account according to the final payment instruction and deposits it in the airline account (D + 2).

Here, the ticketing brokerage account is the account used to deposit the approved amount prior to depositing the airline account. This authorization amount will be deposited in the ticketing broker account until the final payment is ordered. The financial company server 140 withdraws the authorized amount from the ticketing brokerage account according to the final payment instruction and deposits it into the airline account (D + 2).

As described above, when a purchaser purchases a ticket, the airline has an advantage of being able to receive a payment for the purchase of the ticket quickly.

In addition, when the financial company server 140 receives the ticket payment cancellation request message from the purchaser terminal 110 or the ticket reservation server 120, the financial company server 140 may approve the ticket according to the difference between the time when the payment of the ticket is approved and the time when the ticket payment cancellation is requested. Refunds of money can be processed.

If the financial company server 140 is requested to cancel the ticket payment on the day the ticket is approved, the financial institution server 140 withdraws the authorized amount from the unpaid account and deposits it in the buyer account to process the refund of the authorized amount.

However, since the financial company server 140 is approved for the ticket payment and withdraws the approved amount from the unpaid account the next day and deposits it in the ticketing brokerage account, if the ticket payment is canceled at least one day after the ticket payment is approved, the ticket payment is canceled. Cannot be processed. In such a case, the financial company server 140 may process the cancellation of the ticket payment according to a difference between the amount of the ticket approved when the ticket is canceled and the ticket amount determined when the ticket is issued. Hereinafter, a process of processing a flight cancellation of a ticket will be described.

In one embodiment, the financial institution server 140 withdraws the authorization amount from the outstanding account and deposits it in the buyer account when the authorization amount is less than the ticketing amount. For example, if the amount of authorization by another buyer is 1.1 million won at the time the ticket payment is canceled, the amount of the cancellation of ticket payment is 500,000 KRW to the buyer's account because the outstanding account is 1,100,000 won. The next day, the remaining 500,000 won is withdrawn from the outstanding account and deposited into the ticketing brokerage account. Through such a process, the financial company server 140 may process the ticket payment cancellation.

In another embodiment, the financial institution server 140 withdraws the ticketed amount from the outstanding account and deposits it in the ticketing broker account if the authorized amount is equal to or greater than the ticketed amount, and withdraws the difference between the authorized amount and the ticketed amount from the outstanding account. Deposit to

In another embodiment, the financial institution server 140 checks whether the ticket is issued with the approval number corresponding to the authorized amount within a specific period, and if the ticket is not issued with the approval number, withdraws the authorized amount from the outstanding account. It can be deposited into the buyer's account.

In addition, the financial company server 140 opens a purchaser's ticket-only account, generates a payment-only number associated with the ticket-only account, and issues a card to the purchaser by assigning a payment-only number to the card. Here, the card to which the payment-only number is assigned may be an M / S card, an IC card, or the like. The front of the card displays the payment-only number, expiration date, buyer name (e.g. travel agent's name). The purchaser purchases a ticket and requests payment approval using the payment-only number indicated on the card at checkout.

2 is a network diagram illustrating a ticket reservation system according to another embodiment of the present invention. The embodiment of FIG. 1 includes an airline server, but the embodiment of FIG. 2 differs in that the airline ticket server and the airline server are distinguished. The configuration or operation of another embodiment of the ticket purchase system disclosed in FIG. 2 will be omitted with the same or equivalent description as described above with reference to FIG. 1, but those skilled in the art will fully understand the other embodiment of FIG. I can understand.

2, the purchaser terminal 110 connects to the ticket reservation server 120 to reserve a ticket and requests a payment. At this time, the purchaser terminal 110 may provide the ticket reservation server 120 or the financial company server 140 with the payment approval request message of the approval amount corresponding to the price of the ticket.

The ticket reservation server 120 provides a payment approval request message to the purchaser terminal 110 or the financial company server 140 when a payment is requested after the ticket is reserved by the purchaser. At this time, when the ticket reservation server 120 transmits a payment approval request message to the purchaser terminal 110, the purchaser terminal 110 receives the payment approval request message from the ticket reservation server 120 and provides it to the financial company server 140. can do.

When the financial institution server 140 receives the payment approval request message from the purchaser terminal 110 or the ticket reservation server 120, the financial institution server 140 withdraws the approval amount corresponding to the price of the ticket from the buyer account and deposits the approval amount into the intermediary account. The financial company server 140 transfers the authorization amount deposited in the brokerage account to the airline account according to the final payment instruction. Then, the financial company server 140 provides the deposit completion message to the airline server 130.

3 is a network diagram illustrating a ticket reservation system according to another embodiment of the present invention. The configuration or operation of another embodiment of the ticket purchase system disclosed in FIG. 3 will be omitted with the same or equivalent description as described above with reference to FIG. 2. However, those skilled in the art will appreciate the alternative embodiment of FIG. I can understand enough.

Referring to FIG. 3, the ticket reservation system further includes a data process server 150.

The data process server 150 is a server for requesting payment of a ticket. When the data processing server 150 receives the ticket issuing information from the ticket reservation server 120, the data processing server 150 authenticates the pre-stored ticket issuing information, and provides the financial company server 140 with a final payment instruction according to the authentication result. Thereafter, the data process server 150 notifies the airline server 130 that an amount corresponding to the price of the ticket has been deposited in the airline account.

When the ticket reservation server 120 completes the withdrawal of the authorized amount from the buyer account by the financial institution server 140, the ticket reservation server 120 provides the ticket issuing information to the data process server 150.

Referring to FIG. 4, the financial company server 140 includes a communication unit 141, an account generator 142, a card issuer 143, a payment processor 144, and a controller 145.

The account generator 142 opens an air ticket payment dedicated account for each buyer. The account generator 142 may additionally receive additional information of the account from the buyer and apply it to the account. The additional information of the account may include at least one information of the transfer limit amount and withdrawal limit amount for the account.

The account generator 142 may store the account opening history when the opening of the ticket-only account for each buyer is completed. The account opening history may include information about the buyer having an account dedicated to ticket payment. The information on the buyer may include at least one of a country code, customer classification, customer name, customer address, area code, telephone number, company address, company telephone number, account number, first transaction date and last transaction date.

The account generator 142 may connect the ticket dedicated account and the payment dedicated number generated by the card issuing unit 220 in a 1: 1 manner. For example, the account generator 142 may connect the card A to be withdrawn from the account B when the card A is used.

The card issuing unit 143 generates a payment-only number associated with a ticket payment-only account and assigns the payment-only number to the card to issue the card to the buyer. Here, the card to which the payment-only number is assigned may be an M / S card, an IC card, or the like. The front of the card displays the payment-only number, expiration date, buyer name (e.g. travel agent's name). The purchaser purchases a ticket and requests payment approval using the payment-only number indicated on the card at checkout.

When the payment processing unit 144 receives the payment approval request message from the purchaser terminal 110 or the ticket reservation server 120 through the communication unit 141, the payment processing unit 144 executes payment of the approval amount corresponding to the ticket price.

First, the payment processing unit 144 withdraws the authorization amount corresponding to the price of the ticket from the buyer account, and deposits the authorization amount into the intermediary account. Here, the intermediary account is an account which is temporarily deposited before the authorized amount is deposited in the airline's account, and includes an outstanding account and a ticketing intermediary account. Hereinafter, the payment processing unit 144 will be described in more detail the process of processing the authorization amount using such an intermediary account.

When the payment processing unit 144 receives the payment approval request message from the purchaser terminal 110 or the ticket reservation server 120 through the communication unit 141, the payment processing unit 144 withdraws the approval amount corresponding to the ticket price from the purchaser account and pays the approval amount. Make a temporary deposit in your account. Here, the outstanding account is the account used to temporarily deposit the authorization amount. As described above, the payment processing unit 144 temporarily deposits the approved amount in the outstanding account in order to immediately deposit the approved amount into the buyer account when the purchaser cancels the ticket purchase on the day of purchase of the ticket.

Thereafter, the payment processing unit 144 withdraws the authorized amount from the unpaid account according to the intermediate payment instruction, and deposits the approved amount into the ticketing broker account. The ticketing broker account is the account used to deposit the authorization amount prior to depositing the airline account. This authorization amount will be deposited in the ticketing broker account until the final payment is ordered. The payment processing unit 144 withdraws the approved amount from the ticketing brokerage account according to the final payment instruction and deposits it into the airline account.

The controller 145 may provide a ticket reservation method by controlling operations of other components of the financial institution server 140.

Referring to FIG. 5, when a buyer connects to a ticket reservation server through a buyer terminal to purchase a ticket and requests payment, the financial institution server receives a payment approval request message from the buyer terminal or the ticket reservation server (step S510).

When the financial company server receives the ticket payment approval request message, the financial institution server withdraws the approval amount corresponding to the price of the ticket from the buyer account (step S520).

The financial institution server deposits the approved amount into the intermediary account (step S530). Here, the brokerage account may include an outstanding account and a ticket brokering account.

In one embodiment for step S530, the financial institution server may deposit the authorization amount into an outstanding account.

In another embodiment of the other S530, the financial institution server may withdraw the approved amount from the outstanding account according to the intermediate payment instructions and deposit it in the ticketing broker account.

The financial institution server transfers the authorization amount deposited in the intermediary account to the airline account according to the final payment instruction (step S540).

In an embodiment for step S540, the financial institution server may withdraw the authorization amount from the ticketing brokerage account according to the final payment instruction, and deposit the authorization amount into the airline account.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below, but also by the equivalents of the claims.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

Claims

In the ticket reservation method that is executed in the financial institution server,

Receiving a payment approval request message from the purchaser terminal or the ticket reservation server when the purchaser accesses the ticket reservation server through the purchaser terminal to purchase a ticket and requests payment;

Withdrawing the authorization amount corresponding to the price of the ticket from the purchaser account when the ticket payment approval request message is received;

Depositing the authorization amount into an intermediary account; And

Transferring the authorization amount deposited in the intermediary account to an airline account according to a final payment instruction;

How to book a ticket.
The method of claim 1,

The brokerage account

Characterized in that it includes an outstanding account and a ticketing broker account.

How to book a ticket.
The method of claim 2,

Depositing the authorization amount into an intermediary account

Depositing the authorization amount into the outstanding account;

How to book a ticket.
The method of claim 2,

Depositing the authorization amount into an intermediary account

Withdrawing the authorized amount from the outstanding account according to an intermediate payment instruction; And

Depositing the approved amount into the ticketing brokerage account;

How to book a ticket.
The method of claim 2,

The step of transferring the authorization amount deposited in the intermediary account to the airline account according to the final payment instructions

Withdrawing the authorization amount from the ticket brokering account according to the final payment instruction; And

Depositing the authorization amount into the airline account;

How to book a ticket.
The method of claim 2,

Receiving a ticket payment cancellation request message from the purchaser terminal or the ticket reservation server; And

And processing a refund of the approved amount according to the difference between the authorized amount and the ticketing amount determined when the ticket is issued.

How to book a ticket.
The method of claim 6,

Processing the refund of the authorization amount according to the difference between the authorization amount and the ticket amount determined when the ticket is issued

Withdrawing the authorization amount from the outstanding account if the authorization amount is less than the ticketing amount; And

Depositing the authorization amount into the buyer account;

How to book a ticket.
The method of claim 6,

Processing the refund of the authorization amount according to the difference between the authorization amount and the ticketing amount of the ticket is

If the authorization amount is greater than or equal to the ticketing amount, withdrawing the ticketing amount from the outstanding account and depositing it in the ticketing brokering account; And

And withdrawing the difference amount between the authorization amount and the ticketing amount from the outstanding account and depositing the deposit amount in the buyer account.

How to book a ticket.
The method of claim 2,

Confirming that ticketing has proceeded to an authorization number corresponding to the authorization amount within a specific period of time; And

If the ticket is not issued to the approval number, further comprising the step of withdrawing the authorization amount from the unpaid account and deposit the money into the buyer account;

How to book a ticket.
The method of claim 1,

Opening an account dedicated to paying the ticket of the buyer;

Generating a payment-only number associated with the ticket payment-only account; And

And assigning the payment-only number to the card to issue the card to the buyer.

How to book a ticket.
The method of claim 1,

The final payment instructions

Characterized in that it is received from a data processing server

How to book a ticket.
A communication unit which receives a payment approval request message from the purchaser terminal or the ticket reservation server when the purchaser accesses the ticket reservation server through the purchaser terminal to purchase a ticket and requests payment; And

Upon receiving the ticket payment approval request message, withdraw the authorization amount corresponding to the price of the ticket from the purchaser account, deposit the authorization amount into an intermediary account, and deposit the authorization amount into the intermediary account according to the final payment instruction. Characterized in that it comprises a payment processing unit for transferring the amount to the airline account

Banking Server.
The method of claim 12,

The brokerage account

Characterized in that it includes an outstanding account and a ticketing broker account.

Banking Server.
The method of claim 2,

The payment processing unit

Depositing the authorization amount into the outstanding account;

Banking Server.
The method of claim 13,

The payment processing unit

And withdrawing the authorized amount from the outstanding account according to the intermediate payment instruction, and depositing the approved amount into the ticketing broker account.

Banking Server.
The method of claim 13,

The payment processing unit

Transfer the authorization amount deposited in the intermediary account according to the final payment instruction to the airline account, withdraw the authorization amount from the ticketing broker account according to the final payment instruction, and deposit the authorization amount in the airline account Characterized by

Banking Server.
The method of claim 13,

The payment processing unit

When the ticket payment cancellation request message is received from the purchaser terminal or the ticket reservation server through the communication unit, a refund of the authorized amount is processed according to a difference between the authorized amount and the ticket amount determined when the ticket is issued. doing

Banking Server.
The method of claim 17,

The payment processing unit

When the authorization amount is less than the ticketing amount, withdraw the authorization amount from the outstanding account, and deposit the authorization amount to the buyer account

Banking Server.
The payment processing unit

If the authorized amount is greater than or equal to the ticketing amount, withdraw the ticketed amount from the outstanding account and deposit it in the ticketing broker account, and withdraw the difference amount between the authorized amount and the ticketed amount from the outstanding account and deposit it in the buyer account. Characterized by

Banking Server.
The method of claim 13,

The payment processing unit

After confirming that the ticketing has been proceeded to the approval number corresponding to the authorized amount within a specific period, and if the ticket is not proceeded to the approved number, withdraw the approved amount from the outstanding account and deposit it to the buyer's account. doing

Banking Server.
The method of claim 12,

An account generator that opens an account for the ticket purchase of the buyer;

And a card issuing unit for generating a payment-only number associated with the ticket payment-only account and assigning the payment-only number to a card to issue a card to a buyer.

Banking Server.
The method of claim 12,

The final payment instructions

Characterized in that it is received from a data processing server

Banking Server.