OPEN PAYMENT FARE METHOD AND SYSTEM

• US 20150073882A1
• Filed: 05/27/2014
• Published: 03/12/2015
• Est. Priority Date: 09/09/2013
• Status: Active Grant

• Current Assignee: LG CNS Company Limited (LBHunet Co., Ltd.)
• Original Assignee: LG CNS Company Limited (LBHunet Co., Ltd.)
• Inventors: LIM, Seung A, LEE, Yong Kyu
• Granted Patent: US 10,453,044 B2
• Time in Patent Office: Days
• US Class Current: 705/13
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/40 Authorisation, 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
• CPC Class Codes: G06Q 50/40 Business processes related to the transportation industry shipping G06Q10/083
• CPC Class Codes: G07B 15/00 Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points handling coins or valuable papers, e.g. banknotes, G07D; apparatus for vending or hiring articles or services activated by coins, credit cards, paper currency or the like G07F7/00, G07F17/00

Abstract

An open fare payment method for a fare payment terminal device which performs a fare transaction process, includes: receiving fare transaction information from a fare media, determining a network state between a device and a central system, and receiving an authorization result of the fare transaction information from the central system according to the network state such that the device authorizes the fare transaction information or authorizes the fare transaction information by itself independently based on authorization reference information in the fare payment terminal device.

Claims

1. An open fare payment method, the method comprising:

receiving, at a fare payment device, fare transaction information from a fare media;

determining a state of a network between the fare payment device and a central system; and

determining whether or not to authorize a fare transaction based on authorization reference information stored in the fare payment device if the network is in a first state; and

determining whether or not to authorize the fare transaction based on an authorization result of the fare transaction information received from the central system if the network is in a second state.

2. The method of claim 1,

wherein the first state is an abnormal state and the second state is a normal state.

3. The method of claim 2, further comprising:

transmitting authorized transactions to the central system when the network returns to a normal state.

4. The method of claim 1, further comprising:

transmitting an authorization request to the central system through the network;

determining whether or not a waiting time for an authorization result from the central system exceeds a predetermined time;

authorizing the fare transaction based on the authorization reference information stored in the fare payment device if the waiting time exceeds the predetermined time; and

authorizing the fare transaction based on the authorization result if the waiting time does not exceed the predetermined time and the authorization result is received from the central system.

5. The method of claim 1, further comprising receiving the authorization reference information from the central system.

6. The method of claim 5, wherein the authorization reference information includes blacklist information.

7. The method of claim 6, wherein the blacklist information includes fixed blacklist information, variable blacklist information, and hot blacklist information.

8. The method of claim 7, wherein the hot blacklist information is updated in the fare payment device in real time, and the fixed blacklist information and the variable blacklist information are updated in the fare payment device at a first predetermined time period and a second predetermined time period, respectively.

9. The method of claim 1, further comprising:

determining whether or not the fare transaction information is included in the authorization reference information;

rejecting the fare transaction if it is determined that the fare transaction information is included in the authorization reference information; and

authorizing the fare transaction if it is determined that the fare transaction information is not included in the authorization reference information.

10. An open fare payment method for a fare payment device, the method comprising:

receiving fare transaction information from a fare media;

determining whether or not the fare transaction information is included in authorization reference information stored in the fare payment device;

rejecting the fare transaction if the fare transaction information is included in the authorization reference information stored in the fare payment device; and

transmitting the fare transaction information to a central system and determining whether or not to authorize the fare transaction based on an authorization result received from the central system if the fare transaction information is not included in the authorization reference information.

11. The method of claim 10, further comprising:

determining whether or not a state between the device and the central system is normal;

transmitting an authorization request to the central system if the network state is normal; and

authorizing the fare transaction based on the authorization reference information included in the device and transmitting the authorized transaction to the central system when the network returns to a normal state if the network state is abnormal.

12. The method of claim 11, wherein transmitting the authorization request further comprises:

transmitting an authorization request to the central server;

determining whether or not a waiting time for the authorization result included in an authorization response from the central system exceeds a predetermined time;

if the waiting time exceeds the predetermined time and the authorization result has not been received, authorizing the fare transaction based on authorization reference information stored in the fare payment device and transmitting the authorized transaction to the central system; and

if the waiting time does not exceed the predetermined time and the authorization result has been received, determining whether or not to authorize the fare transaction based on the authorization result received from the central system.

13. An open fare payment method for a central system performing a fare transaction, the method comprising:

receiving an authorization request for a fare transaction from a fare payment device, the authorization request including fare transaction information;

transmitting an authorization result in response to the authorization request to the device; and

transmitting an authorization reference information to the device.

14. The method of claim 13, further comprising:

transmitting an authorization request for the fare transaction to an acquirer system or an issuer system;

receiving the authorization result from the acquirer system or the issuer system.

15. The method of claim 13, further comprising:

receiving the authorization reference information from an acquirer system or an issuer system; and

transmitting the authorization reference information at a predetermined time period to the fare payment device.

16. The method of claim 13, further comprising:

generating the authorization reference information based on the fare transaction information of a fare media.

17. An open fare payment device, comprising:

a processor; and

a non-transitory computer-readable medium having stored thereon a program that, when executed by the processor, performs a method, the method comprising;

receiving fare transaction information from a fare media;

determining a network state between the fare payment device and a central system;

authorizing a fare transaction based on authorization reference information stored in the open fare payment device if the network is in an abnormal state; and

authorizing the fare transaction based on an authorization result received from the central system if the network is in a normal state.

18. The device of claim 17, wherein the method further comprises:

transmitting authorized transactions when the network returns to a normal state.

19. The device of claim 17, wherein the method further comprises:

receiving and storing the authorization reference information from the central system.

20. The device of claim 17, wherein the method further comprises:

transmitting an authorization request to the central system;

determining whether or not a waiting time for the authorization result included in an authorization response from the central system exceeds a predetermined time;

if the waiting time exceeds the predetermined time and the authorization result has not been received, authorizing the fare transaction based on authorization reference information stored in the fare payment device and transmitting the authorized transaction to the central system; and

if the waiting time does not exceed the predetermined time and the authorization result has been received, determining whether or not to authorize the fare transaction based on the authorization result received from the central system.

21. The device of claim 17, wherein the authorization reference information includes blacklist information.

22. The device of claim 21, wherein the blacklist information includes fixed blacklist information, variable blacklist information, and hot blacklist information.

23. The device of claim 22, wherein the hot blacklist information is updated in the fare payment device in real time, and the fixed blacklist information and the variable blacklist information are updated in the fare payment device at a first predetermined time period and a second predetermined time period, respectively.