JP2002015348A - How to vote and win money using a debit card - Google Patents

Abstract

(57) [Summary] [Problem] To reduce the trouble between a lottery purchaser and a sales clerk, a winner can receive a winning money without going to a sales place or the like, and the winning money payer also performs complicated processing. A lottery voting and winning money transfer method that can be paid without fail is provided. SOLUTION: Lottery voting data and debit card 10
Is transmitted from the voting reception terminal 12 to the host computer 14, and ID data is assigned to the voting data and the payment-related data in association with each other. The voting data side is stored, and the settlement-related data side debits the lottery sent to the account transaction processing system 20 and returns the settlement confirmation data to the host computer together with the ID data. A voting registration data file is generated by associating the voting data with the transaction account specifying data by ID data. The winning money is transferred to the account of the winner determined by comparing the winning data with the voting registration data file.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a lottery voting / winning money transfer method for voting by predicting the result of a game or a lottery.

[0002]

2. Description of the Related Art Conventionally, when a result of a competition or a lottery to be performed in the future is predicted and voting is performed, a predetermined winning content determined based on the result of the competition or a lottery or the like and the above voting content match. A lottery system that can receive a winning money corresponding to this is known.

[0003] In this lottery system, a person who desires the above voting purchases a voting ticket in cash by voting for the desired content at a counter of a sales office installed nationwide, and the content of the voting is determined by the winning content. In the case of a match, that is, in a case of winning, the betting ticket can be presented at the lottery counter or a predetermined exchange window to receive a winning money.

[0004] Some lotteries are prohibited from being purchased by minors or students, and face-to-face sales are performed so that these persons do not purchase the lottery. Is visually determined, and if the determination is difficult, the purchaser is presented with an identification card.

[0005]

However, in the above-mentioned conventional lottery voting / winning money transfer method, if the lottery is won, it is necessary to go to the lottery shop or a predetermined exchange window to receive the winning money. Can not. However, since lottery sales offices and predetermined exchange counters are installed only in limited places in the whole country, even if the winning money is small, if there is no sales office in the nearby area, you will receive the winning money To spend a lot of time and transportation expenses,
Further, there is a case where the player cannot forget to redeem the money by the designated date because the money cannot be redeemed immediately and cannot receive the winning money.

[0006] Further, even when the lottery is purchased, if certain conditions are imposed on the purchase eligibility, the lottery purchaser is also required to make a purchaser's eligibility and present an ID card. However, there is a problem that it takes a lot of troublesome work, and a few windows are crowded.

Therefore, the present invention has been made in view of the above-mentioned conventional problems, and reduces the trouble of both the purchaser and the sales clerk at the time of purchasing the lottery, so that the winner can go to a sales office or a cash window. A lottery voting and winning money transfer method using a debit card that can receive the winning money, and the payer can definitely pay the winning money to the winner without complicated payment processing. The purpose is to provide.

[0008]

In order to achieve the above object, a lottery voting / winning money transfer method according to claim 1 of the present invention comprises: a lottery vote data to be purchased by payment with a debit card; Transaction account identification data that can identify the transaction account of the card, and password data for performing a transaction with this account are sent from the voting reception terminal to a host computer capable of communicating with a communication network, and the voting data and ID data for associating the transaction account identification data and the password number data with each other is given by a host computer. The host computer stores the voting data and the ID data, and stores the transaction account identification data, the password number data, and the ID. Data and lottery price data generated based on the voting data in this host computer. To the account transaction processing system that can communicate with the data, the account transaction processing system withdraws the lottery price from the account according to the lottery price data, generates payment confirmation data, and combines the payment confirmation data with the transaction account identification data. The host computer returns to the host computer together with the ID data, and the host computer associates the payment confirmation data and the transaction account specifying data with the voting data by ID data to generate a voting registration data file. Then, the winning data generated from the result of the lottery is compared with the voting data in the voting registration data file to generate winning money data, and a transfer master file in which the winning money data is associated with the transaction account specifying data is generated. Generate and transfer this transfer master file to the account transaction processing system. Sent to,
The account transaction processing system is characterized in that a winning money is transferred to an account won according to the transfer master file.

According to a second aspect of the present invention, in the lottery voting and winning money transfer method, the host computer associates identification data for specifying an individual who purchases a lottery with transaction account specifying data for the debit card. A member management data file is generated in advance, and the transaction account specifying data returned by the account transaction processing system is collated with the member management data file to determine whether or not the purchased individual is a member.

According to a third aspect of the present invention, there is provided a lottery voting / winning money transfer method, wherein a personal account data of a person who registers as a member by paying an enrollment fee by a debit card, and a transaction account which can specify a transaction account of the debit card. Specific data,
PIN data for conducting a transaction with this account is sent from the voting reception terminal to the host computer via the communication network, and the personal management data is associated with the transaction account specifying data and the PIN data. ID
Data is provided by a host computer, and the host computer can store personal management data and ID data, and can communicate the transaction account identification data, password data, ID data, and enrollment data with the host computer. The account transaction processing system sends out the enrollment fee from the account in accordance with the enrollment fee data to generate settlement reservation data, and transmits the enrollment reservation data and the transaction account identification data to the above account transaction system. The membership management data file is returned to the host computer together with the ID data, and the host computer generates the member management data file by associating the enrollment reservation data and the transaction account specifying data with the personal management data by ID data. .

According to a fourth aspect of the present invention, there is provided a lottery voting / winning money transfer method, comprising: a lottery vote data to be purchased by payment with a debit card; transaction account specifying data capable of specifying a transaction account of the debit card; PIN data for conducting a transaction with an account is input to a voting reservation terminal capable of communicating via a communication network, and the voting reservation terminal converts the voting data, transaction account identification data and PIN code data into these. While assigning ID data to associate and storing the voting data and the ID data in association with each other, the transaction account specifying data, the personal identification number data, and the ID data are transmitted to a host computer capable of communicating with the communication line network. The host computer is generated based on the transaction account identification data, the password data, the ID data, and the voting data. Flip and price data, sent to communicable account transaction processing system and the host computer,
This account transaction processing system generates the payment confirmation data by deducting the lottery price from the account according to the lottery price data, and returns the payment confirmation data and the transaction account identification data to the host computer together with the ID data,
The host computer returns the settlement confirmation data to the voting reservation terminal, and when the settlement confirmation data is input, the voting reservation terminal sends the voting data and ID data to the host computer, and Then, the voting data and the transaction account specifying data are associated with each other by the ID data to generate a voting registration data file, and the host computer calculates the winning data generated from the result of the lottery and the voting registration data file. The prize data is collated with the voting data to generate winning money data, a transfer master file in which the winning money data is associated with the transaction account specifying data is generated, and the transfer master file is transmitted to the account transaction processing system. The account transaction processing system assigns an account to the winning account according to the transfer master file. It characterized in that transfer money to gold.

According to a fifth aspect of the present invention, in the lottery voting / winning money transfer method, the host computer associates identification data for specifying an individual who purchases the lottery with transaction account specifying data for the debit card. A member management data file is generated in advance, and the transaction account specifying data returned by the account transaction processing system is collated with the member management data file to determine whether or not the purchased individual is a member.

According to a sixth aspect of the present invention, there is provided a lottery voting / winning money transfer method, wherein a personal account data of a person who registers as a member by paying an enrollment fee by a debit card, and a transaction account capable of specifying a transaction account of the debit card. Specific data,
PIN data for conducting a transaction with this account is input to a voting reservation terminal communicable via a communication network, and the voting reservation terminal converts the personal management data, transaction account identification data, and PIN data into ID to associate these
Data, the personal management data and the ID data are stored in association with each other, and the transaction account identification data, the password data, and the ID data are transmitted to a host computer capable of communicating with the communication line network. The computer sends transaction account identification data, personal identification number data, ID data, and lottery price data generated based on the voting data to an account transaction processing system that can communicate with the host computer. Is
According to the lottery price data, the lottery price is deducted from the account to generate settlement confirmation data, and the settlement confirmation data and the transaction account identification data are stored in the host computer as IDs.
The host computer returns the payment confirmation data to the voting reservation terminal, and the voting reservation terminal sends the personal management data and the ID data to the host computer when the payment confirmation data is input. The host computer transmits the personal management data and the transaction account specifying data by their ID data to generate the member management data file.

According to a seventh aspect of the present invention, in the lottery voting / winning money transfer method, the voting reservation terminal, to which the settlement confirmation data is returned, transmits a voucher ticket capable of reading the voucher number data generated for the procedure. Issuance, and thereafter, by reading the voucher number data of the voucher with a reading device capable of communicating with the voting reservation terminal, the voting reservation terminal sends data associated with the voucher number data to the host computer. It is characterized by.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below in detail with reference to the accompanying drawings. In the present embodiment, for example, a form in which a lottery voting and winning money transfer method using a debit card of the present invention is applied to a soccer lottery will be described. Here, a debit card is a card used for payment of a normal shopping price, and is a card that can be immediately settled from a pre-designated account when a predetermined operation is performed using the card. It shows a normal cash card in which information such as a transaction account number is recorded, and when a certain operation is performed by inserting the information into a terminal such as an automatic teller machine at a financial institution, a deposit and withdrawal can be made without a passbook. A description will be given of a soccer lottery system to be used in the soccer lottery voting and winning money transfer method.

In this embodiment, for example, the lottery purchaser
For the 13 games played on the predetermined dates of the J1 and J2 leagues consisting of a total of 27 teams, voting is performed by a designated date in anticipation of winning or losing, and the voting amount for the voting is paid. The contents of the voting are registered in the host computer of the lottery management center as voting data. And
When the result of each game is determined, a person who has voted for the content that matches the winning content determined based on the result of the game, that is, a winner is paid a winning money according to the content of the vote.

Here, as an example of a preferable input method of the voting data, an input using a mark sheet in which a purchaser performs few operations at the time of voting will be described as an example. However, voting can be performed by key input or other methods. is there. The mark sheet used for inputting the voting data is provided with blanks for entering the number of times of the game to be voted, the match cards for the 13 games and the expected win / loss fields, and other necessary items. The data can be input at the same time by filling in and reading with a reading device. Further, it is not always necessary to vote the predictions of all of the above 13 games on the mark sheet, and it is also possible to leave the blank game to the input terminal or the like by leaving a blank.

FIG. 1 is a conceptual diagram showing a configuration of a lottery voting / winning money transfer method using a debit card according to a first embodiment of the present invention. This method of voting and winning money transfer of soccer lottery is installed in stores and convenience stores nationwide, and has a voting reception terminal 12 for voting for soccer lottery, and communication between this voting reception terminal 12 and a public telephone line. A host computer 14 of a lottery management center that manages and operates the soccer lottery, which can communicate via a line network 22, for example, an ISDN (Integrated Services Digital Network), and a debit card 10 for processing the settlement of the soccer lottery price. Debit system server 16
And this debit system server 16 and CAFIS
(Registered trademark) or the like, an account transaction processing system 2 of a financial institution in which a transaction account of the debit card 10 communicable through a public use network 18 or a dedicated line is established.
0, and a financial processing system 24 of a financial institution having a designated account of the soccer lottery management center that can communicate with the account transaction processing system 20.

In addition, lottery sales are usually face-to-face sales because age restrictions are imposed on purchasers. For this reason, the voting reception terminal 12 is installed such that at least one of the input means such as a mark sheet reader for reading the voting data is operated by a salesperson of the shop where the voting data is installed.

Further, a member who wishes to purchase this soccer lottery is registered in advance in the host computer 14 of the lottery management center, and a member number forming identification data is given thereto.
The member management data file in which the member number, the member's name, date of birth, contact telephone number, gender, etc., and the transaction account specifying data are associated with each other, is stored in the host computer 14 by the member registration method described later. Is stored in a large-capacity memory included in the storage device. By registering as such, there is no need to present an identification card every time a lottery is purchased, so that there is an advantage that both the purchaser and the seller can save troublesome work.

The method for voting and winning money transfer of a soccer lot according to the present embodiment will be described from the member registration method along the flow of data.

----Member registration----The person who wishes to register as a member can use the voting reception terminal 12 at the facility where the voting reception terminal 12 is installed. Is input from a well-known input means, and the control unit including the CPU of the voting reception terminal 12 asks for approval that the predetermined amount is to be debited and processed by the debit card 10 as an enrollment fee. Prompting the user to read the magnetic data of the debit card 10 is displayed on the display unit of the voting reception terminal 12. At this time, if the lottery purchase eligibility has the above age restriction, the membership registration is performed by face-to-face processing, and the age etc. is visually judged by the employee etc. of the terminal installation facility, and the judgment is unclear. In this case, it is desirable to take measures such as requesting the presentation of an identification card, etc., to thoroughly confirm the membership, and to perform the subsequent processing after confirming the membership.

In accordance with the message, the purchaser reads the transaction account specifying data stored in the magnetic storage unit of the debit card 10 from a reading unit for reading the transaction account specifying data of the input device 12a, which is provided with, for example, a PINPAD provided with a password input unit ( a). As a result, an instruction to input a personal identification number is displayed on the display unit of the voting reception terminal 12, and the member registration applicant inputs the personal identification number according to the instruction (b). At this time, the password data is scrambled into data that can be decrypted only by the account transaction processing system 20 of the settlement bank.

The input personal management data, transaction account specifying data, and personal identification number data are encrypted by known means,
The communication network 22 is provided by the communication means provided in the control means.
Host computer 1 of the above lottery management center
4 (c). The host computer 14 that has received the personal management data, the transaction account specifying data, and the personal identification number data decrypts the data by a known means. Then, the data is separated into personal management data, transaction account specifying data, and personal identification number data, and ID data for associating the data with each other is assigned.

Temporary member number data is assigned to the personal management data and the ID data.
Is stored in the large-capacity memory provided in the. On the other hand, the transaction account specifying data, the password number data, and the ID data are sent to the debit system server 16 which collects and distributes transaction information in the settlement processing of the debit card 10 (d), and
The data is stored in a memory provided therein, and the transaction account identification data and the password data are transmitted via the public network 18 to the account transaction processing system 20 of the financial institution where the transaction account is opened. (E).
At this time, it is not always necessary to use the public use network 18, and the debit system server 16 and the account transaction processing system 20 of the financial institution may be connected by a dedicated line.

In the account transaction processing system 20 of the financial institution, the input password data is decrypted by a predetermined decryption method, and the password data and the registered password of the account specified by the transaction account specifying data are decrypted. The number is collated with the account to determine whether the account can be settled. If the passwords match, the amount of the enrollment fee is compared with the balance of the account, and if the amount of the deposit is greater than the amount of the enrollment fee, a process of withdrawing the settlement amount from the account is performed ( f). At this time, if the passwords do not match or the balance of the deposit is smaller than the amount of the enrollment fee, settlement impossible data indicating that settlement is not performed is returned to the voting reception terminal 12 (g). Then, a message indicating that membership is not possible is displayed on the display unit.

On the other hand, when the enrollment fee is withdrawn, settlement confirmation data indicating that the settlement has been made,
The transaction account identification data is stored in the public use network 18
Is returned to the host computer 14 of the lottery management center via the debit system server 16 (h).
At this time, the ID data stored in the debit system server 16 is returned together with the settlement confirmation data and the transaction account specifying data. Further, based on the above-mentioned enrollment fee withdrawal processing, between the account transaction processing system 20 of the financial institution and the financial processing system 24 of the financial institution having the designated account of the soccer lottery center,
An enrollment payment is transferred to the designated account of the soccer lottery management center (i).

When the settlement confirmation data is returned from the account transaction processing system 20, the host computer 14 of the lottery management center and the transaction account identification data returned at the same time and the host computer 14 have already stored the transaction confirmation data. The temporary member number data and the personal management data are associated with each other by ID data and stored in the large-capacity memory as a member management data file. That is, this member management data file includes a temporary member number,
The transaction account number is stored in association with personal management data such as a name and a date of birth.

On the other hand, the settlement confirmation data is stored in the voting reception terminal 1.
2 (j), and the voting reception terminal 12 to which the payment confirmation data is input displays a message prompting the issuance of a membership card. Here, the membership card means that the regular member number data constituting the identification data is stored in the storage unit so that the regular member number can be visually recognized and, after being issued, the member management data file of the host computer 14 and the like. It is a card associated with this regular member number data, and is prepared beforehand at the facility where the voting reception terminal 12 is installed, with only the regular member number data stored.

After confirming the card issuance message, the employee or the like of the facility checks the host computer 1
By reading the regular member number data of the member card from a predetermined card data reader 15 capable of communicating with the member 4, the regular member number data is sent to the host computer 14 (k). The temporary member number data and the regular member number in the management data file are replaced and stored. On the other hand, the member card to which the data has been sent is handed to the member registrant on the spot, and the member registration procedure ends.

[0031] To purchase a lottery, the purchaser who has registered as a member goes to a lottery store and fills in a mark sheet in which the content of the vote for the lottery he / she wishes to purchase is described in advance. Give it to the salesperson at the store. The salesperson inserts the mark sheet into the mark sheet reader of the voting reception terminal 12 installed in the store and reads the voting data. At this time, the control unit including the CPU and the like of the voting reception terminal 12 calculates the purchase amount from the input voting data, asks for approval of this amount, and writes the amount in the magnetic storage unit of the debit card 10 at the time of approval. A message prompting the user to read the data is displayed on the display unit of the voting reception terminal 12 where the purchaser can confirm.

The purchaser reads the transaction account specifying data stored in the magnetic storage unit of the debit card 10 from the transaction account specifying data reading unit of the input device in the same manner as at the time of member registration (l). The password is input from the password input unit in accordance with the instruction on the display unit (m).
At this time, the password data is scrambled.

The input voting data, transaction account specifying data, personal identification number data, and calculated payment amount data are encrypted by a known means, and the communication means of the control means communicates with the communication means via the communication line network 22. It is sent to the host computer 14 of the lottery management center (n).

The host computer 14 receiving the data decodes the data, separates it into voting data and payment-related data including transaction account identification data, personal identification number data, and payment amount data, and associates them with each other.
At D, data is given.

The voting data and ID data are stored in the large-capacity memory of the host computer 14. On the other hand, the payment amount data and the ID data are sent to the debit system server 16 (o), the ID data is stored in a memory provided in the debit system server 16, and the payment related data is stored in the public use network 18.
Is sent to the account transaction processing system 20 of the financial institution in which the transaction account is opened (p).

In the account transaction processing system 20 of the financial institution, the input password data is decrypted, and the password data is collated with the registered password of the account specified by the transaction account specifying data. Then, it is confirmed whether settlement processing for lottery purchase by this account is possible. If the passwords match, the account balance of the account is confirmed based on the input payment amount data, and if the deposit balance is larger than the payment amount, the payment amount is debited from the account. (Q). At this time, if the passwords do not match or the balance of the deposit is smaller than the settlement amount, settlement impossible data indicating that settlement is not performed is returned to the voting reception terminal 12 (r). Is displayed on the display unit.

On the other hand, when the payment amount is debited, the payment confirmation data indicating that the payment has been made is sent to the public use network 18 and the debit system server together with the payment amount data and the transaction account identification data. 1
6 and the host computer 1 of the lottery management center
4 (s). At this time, the ID data stored in the debit system server 16 is returned together with the payment confirmation data, the payment amount data, and the transaction account identification data. Further, based on the processing for debiting the settlement amount, the account transaction processing system 2
The transfer processing of the lottery money is performed between the bank account 0 and the financial processing system 24 of the financial institution having the designated account of the soccer lottery management center (t).

In the host computer 14 of the lottery management center to which the settlement confirmation data, the settlement amount data, the transaction account specifying data, and the ID data are input, the ID data added to the already registered voting data And the ID data returned from the account transaction processing system 20 to associate transaction account identification data and voting data. On the other hand, the host computer 1
4 is compared with the transaction account identification data returned from the account transaction processing system 20 to identify the member number. Thus, the voting data, the transaction account specifying data, and the membership number are stored in the voting registration memory of the host computer 14 together with the payment confirmation data and the payment amount data. Then, the host computer 14 generates voting registration confirmation data indicating that the voting registration has been completed, and attaches a unique number to each voting ticket called a center ticketing number to the voting registration confirmation data and the settlement confirmation data. Voting reception terminal 1
2 (u).

In the voting reception terminal 12, predetermined items such as the date of the competition, the details of the voting, the membership number, etc., which are confirmed from the inputted voting registration confirmation data, the settlement confirmation data, and the center ticket number, A voting ticket is issued with a center ticket number consisting of a barcode used for verifying the authenticity of the voting ticket and a unique number of the voting reception terminal 12 used for winning inquiry and the like (v). Here, the reason for not using the betting ticket will be described later.

~~~~ Winning money transfer processing ~~~~ Next, when all the game results of the lottery target game are determined,
The winning determination data is input to the host computer 14 of the lottery management center based on the result of the match, and is compared with the voting data already registered in the voting registration memory of the host computer 14. The winning member is extracted, and the center ticket is issued. A winner master file that stores the number, the member number, the winning content (grade, amount), and the transaction account number is generated.

The winner master file is sent to the financial processing system 24 of the financial institution having the designated account of the soccer lottery management center (w) and the winning money is withdrawn (x). The transfer data of the winning money is sent to the account transaction processing system 20 of the financial institution to which the winning account's transaction account belongs (y), the transfer process is performed, and the winning money is paid to each winner (z).

In this embodiment having the above configuration,
When the voting data and the transaction account identification data input at the time of voting are input to the host computer 14, the ID data is added to both data, so that the transaction account identification is transmitted to the account transaction processing system 20 and returned again. The data and the voting data stored in the host computer 14 can be associated with each other by the ID data. Therefore, it is possible to clarify the transaction account of the lottery buyer who registered each voting data.

That is, by drawing the lottery price in advance from the account specified by the input transaction account specifying data, it is confirmed that the transaction account of the lottery purchaser can be settled. Since it is stored in the host computer 14 of the management center, the voting data input simply by voting and purchasing the lottery is associated with the corresponding transaction account number of the purchaser. When the winner is specified, the transaction account of the winner can be specified immediately.

Accordingly, the winning money can be paid by transferring the winning account to the transaction account of the winner specified by the above method, without performing complicated processes such as identity verification of the payer and authenticity verification of the voting ticket. The winnings can be paid easily and reliably. In addition, the winner does not need to go to a predetermined financial institution or cash exchange to receive the winning money, and can receive the winning money without performing a troublesome cashing procedure. Further, there is no fear that the player forgets to exchange money while prize, and fails to receive the prize money.

In addition, when specifying a transaction account for the transfer, there is no need to fill in the procedure documents for the financial institution or to seal the transaction, and the transaction account is confirmed on the spot by checking the transaction account. It is possible to register an accurate account without errors.

Here, the reason that the voting ticket issued from the voting reception terminal 12 in the present embodiment is a voting note is that the winning money is directly transferred to the account as described above, so that the voting ticket is issued. If this is done, the winning ticket cannot be collected even after the transfer process of the winning money is completed. If this is done, this ticket will be kept at the lottery management center.

In the present embodiment, an embodiment in which a member is registered in advance before a lottery is purchased has been described. However, the member registration is not necessarily required. This is an example in which the authentication of the winning money transfer account is further facilitated because it is reliably associated.

Next, a second embodiment of the present invention will be described. In the present embodiment, the same components as those in the above embodiment are denoted by the same reference numerals, and redundant description will be omitted. In the present embodiment, the purchaser inputs voting data and performs a payment procedure for the debit card 10 from a predetermined terminal by himself / herself, hands over a voucher output as a result to a salesperson of the lottery store, and executes a predetermined process. By receiving the voting ticket, face-to-face sales can be realized, and the time required for purchasing the lottery can be reduced to prevent congestion.

That is, the voting terminal of this embodiment is an S-MMS
(Sports-multimedeia station) is a voting reservation terminal 26, which is formed so that the buyer can directly read the mark sheet for voting, a voucher is issued from this terminal, and a voting voucher is It is different from the above embodiment in that it is not issued. In addition, this voting reservation terminal 2
6 is a confirmation ticket issuing terminal 2 called MMP which can communicate with this.
The confirmation ticket issuing terminal 28 is provided with an approval means for approving the purchase when the purchaser exchanges the voucher for the voting ticket, and a ticket issuing device for the voting ticket.

Here, the S-MMS is a multimedia station having a lottery voting function. The multimedia station is installed in, for example, a convenience store or the like, and purchases air tickets, concert tickets, and the like. And a terminal from which information can be obtained.

A method of paying a lottery vote / winning money using the voting reservation terminal 26 and the confirmation ticketing terminal 28 will be described.

----Member registration----The person who wishes to register as a member can enter his / her name, date of birth, contact telephone number at the facility where the voting reservation terminal 26 is installed, using well-known input means of the voting reservation terminal 26. In the control unit including the CPU and the like of the voting reservation terminal 26, a predetermined personal management data such as gender, gender, etc. is input, and a message asking for approval for debiting the enrollment fee by the debit card 10 is displayed on the display unit of the voting reservation terminal 26. Is done. The member registration applicant inputs the transaction account specifying data of the debit card 10 and the password.

The input personal management data is separated from the transaction account specifying data and the personal identification number data, and ID data for associating the data is given by the voting reservation terminal 26. The personal management data and the ID data are stored in a memory provided in the voting reservation terminal 26. On the other hand, the transaction account identification data, the password data and the ID data are encrypted and debited via the host computer 14 of the lottery management center. The card 10 is sent to the account transaction processing system 20 of the financial institution where the transaction account is opened (A).

The account transaction processing system 20 of the above financial institution
In, the security code is checked against the account specified by the entered transaction account identification data, and the balance of the deposit is confirmed.
If the enrollment fee can be settled, the enrollment fee is debited from the account (B). If the settlement is impossible, settlement impossible data notifying the fact is returned to the voting reservation terminal 26 together with the ID data (C), and the voting reservation terminal 26 stops the procedure processing.

On the other hand, when the enrollment fee is debited, settlement confirmation data indicating that fact, transaction account identification data, and ID data are returned to the host computer 14 of the lottery management center ( D). Thereafter, in the financial processing system 24 of the financial institution having the designated account of the soccer lottery management center, a transfer process is performed to the designated account of the soccer lottery management center based on the above debiting process (E). When the payment confirmation data is returned from the account transaction processing system 20, the host computer 14 of the lottery management center stores the payment confirmation data, the transaction account identification data, and the ID data in the large-capacity memory.

On the other hand, the settlement confirmation data is stored in the voting reservation terminal 26.
(F). From the voting reservation terminal 26 to which the payment confirmation data has been input, a voucher is issued indicating that the reservation for member registration has been accepted (G). This voucher includes
Each unique voucher number given by the voting reservation terminal 26 and represented by, for example, a bar code, and the expiration date of the voucher are described.

Thereafter, the salesperson at the store reads the barcode of the voucher with the barcode reader 30 (H), and from the predetermined card data reader 27 which can communicate with the host computer 14, the identification data of the member card is read. (I), the regular member number data stored in the card, the personal management data of the voting reservation terminal 26, and the ID data are sent to the host computer 14 (J). . The host computer 14 stores the transaction account specifying data, personal management data, and regular member number data in association with ID data as a member management data file. On the other hand, the member card to which the data has been sent is handed to the member registrant on the spot, and the member registration procedure ends.

------------------------------------------------------------------------------------------------------------- At this time, the control unit of the voting reservation terminal 26 calculates the purchase amount, and a message prompting the user to read the magnetic data of the debit card 10 is displayed on the display unit of the voting reservation terminal 26 when asking for approval of this amount and at the time of approval. Is done. Buyer,
After the transaction account specifying data of the debit card 10 is read by a predetermined method, a password is input (K).

The input voting data and the settlement information data including transaction account specifying data, personal identification number data, and settlement amount data are separated by the voting reservation terminal 26, and ID data for associating them is given. The voting data and the ID data are stored in a memory provided in the voting reservation terminal 26. On the other hand, the settlement information data and the ID data are encrypted, and a transaction account of the debit card 10 is opened via the host computer 14. Is sent to the account transaction processing system 20 of the financial institution (L).

The account transaction processing system 20 of the above financial institution
In, the security code is checked against the account specified by the entered transaction account identification data, and the balance of the deposit is confirmed.
If the settlement of the lottery fee is possible, the enrollment fee is debited from the account (M). If the settlement is impossible, settlement impossible data notifying the fact is returned to the voting reservation terminal 26 together with the ID data (N), and the voting reservation terminal 26 stops the procedure processing.

On the other hand, when the payment amount is debited, the payment confirmation data indicating that the payment has been made is sent to the lottery management center together with the payment amount data, the transaction account identification data, and the ID data. It is returned to the host computer 14 (O). Thereafter, between the account transaction processing system 20 and the financial processing system 24 of the financial institution having the designated account of the soccer lottery management center, a transfer process is performed to the designated account of the soccer lottery management center based on the above debiting process ( P).

The host computer 14 stores the inputted payment confirmation data, payment amount data, transaction account identification data, and ID data. On the other hand, the settlement confirmation data is sent to the voting reservation terminal 26 (Q). From the voting reservation terminal 26 into which the settlement confirmation data is input, the number of times of the soccer competition to be the lottery, the number of voting units, the purchase amount, etc. A voucher with a voucher number and an expiration date of the voucher is issued (R). Thereafter, the bar code of the voucher is read by the salesperson at the store with the bar code reader 30 (S), so that the voting data and ID data of the voting reservation terminal 26 are sent to the host computer 14 (T). .

The host computer 14 compares the input data with the already stored data, associates the data with the matching ID data with each other,
The voting registration data file is stored in the voting registration data file to generate voting registration confirmation data and center ticketing number data indicating that the voting registration has been completed, and send the data together with the settlement confirmation data to the confirmation ticketing terminal 28 via the voting reservation terminal 26. (U). Then, the confirmation ticketing terminal 28 issues a voting ticket (V).

~~~~~~ Winning money transfer processing ~~~~~~ Next, when all the results of the lottery target game are determined,
A winner master file is generated in the host computer 14 of the lottery management center, and the winner master file is sent to the financial processing system 24 of the financial institution having the designated account of the soccer lottery management center (W) to withdraw the winning money. The processing is performed (X), and the financial management system 24 sends the winning money transfer data to the account transaction processing system 20 of the financial institution to which the winning account's transaction account belongs (Y). The winner is paid (Z).

That is, the purchaser operates the voting reservation terminal to input personal data and voting data, which occupy a lot of time in the member registration and the voting registration process. Processing such as settlement confirmation of the settlement account performed by communication with the financial institution having the account is performed. Therefore, since the operation of the salesperson only reads the barcode of the voucher, it is possible to prevent the purchase window of the store from being crowded. In particular, the voting reservation terminal 26
However, it is also conceivable that general merchandise purchasers other than lottery buyers will pay at the same cash register, but it is extremely difficult to operate this system in a short time. Congestion can be effectively avoided.

Further, the accurate transaction account of the purchaser can be stored in association with the personal management data and the voting data, so that the winner can easily pay by transferring the winning money to the transaction account. Can be. In addition, the winner can surely receive the winning money without worrying about the expiration date of the cash and without going to the sales office or the cash window.

In the present embodiment, a soccer lottery has been described as an example, but the lottery is not limited to this, and may be a lottery type lottery such as a bicycle race or a horse race or a lottery type lottery such as Numbers. In this embodiment, the lottery price is calculated by the voting reception terminal 12 and the voting reservation terminal 26. However, the present invention is not limited to this, and the calculation of the lottery price may be performed by the host computer 14 or the like.

[0068]

As described above, according to the lottery voting and winning money transfer method using the debit card of the present invention, the voting data input at the time of voting and the transaction account specifying data are input to the host computer. Since ID data is assigned to both data at the stage, the transaction account of the lottery buyer who registered each voting data can be clarified.

Further, the transaction account is confirmed in advance based on the account specifying data input at the time of voting, and whether or not the transaction of the account is possible is confirmed on the spot, so that an accurate account can be registered without error due to the procedure. Further, it is not necessary to fill in and seal a procedure document to a financial institution, and when a winner is specified, a transaction account of the winner can be immediately specified.

Therefore, the process of confirming the identity and verifying the authenticity of the voting ticket for the paying party can be performed without complicated processing.
The winnings can be paid easily and reliably. Also,
The winner can also receive the winning money without performing a troublesome cashing procedure. Further, there is no fear that the player forgets to exchange money while prize, and fails to receive the prize money.

If a member management data file is created in advance by associating personal management data for specifying a person who desires voting with transaction account specifying data, a membership number, voting data, and a transaction account number are associated with each other. Since the winner can be easily specified, not only the transaction account number but also the winner is confirmed, and the winning money can be reliably transferred.

Even if the purchase qualification is restricted, the personal management data is entered at the time of member registration and the purchase qualification of the member is confirmed, so that both the salesperson and the lottery purchaser are troublesome. It can save time and trouble in certification and can purchase and sell in a short time.

In addition, a voucher ticket is issued after performing a data entry operation or processing that takes a lot of time in the member registration and the voting registration process at the voting reservation terminal, and the voucher ticket number data of the voucher is read. , Subsequent operations and processes can be continued, so that time-consuming operations and processes can be separated from operations and processes that require a short time, and member registration, voting, and lottery purchase can be performed efficiently.・ Can be sold.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing a configuration of a lottery voting / winning money transfer method using a debit card according to a first embodiment of the present invention.

FIG. 2 is a conceptual diagram showing a configuration of a lottery voting / winning money transfer method using a debit card according to a second embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Debit card 12 Voting reception terminal 14 Host computer 20 Account transaction processing system 22 Communication network

Continuation of the front page F term (reference) 3E038 BB02 FA02 GA02 KA05 5B049 BB36 BB46 CC36 CC39 GG00 5B055 CA00 CB09 EE03 EE27 FA00 FB00 KK00

Claims (7)

[Claims] 1. Voting data of a lottery ticket to be purchased by payment with a debit card, transaction account specifying data capable of specifying a transaction account of the debit card, and a password data for performing a transaction with this account are included in a voting reception terminal. Is sent to a host computer capable of communicating with a communication line network, and the voting data, the transaction account identification data and the personal identification number data are given ID data for associating them with each other by the host computer. And the transaction account identification data, the password data, the ID data, and the lottery price data generated based on the voting data to an account transaction processing system that can communicate with the host computer. This account transaction processing system will The payment confirmation data is generated by deducting the lottery price from the account, the payment confirmation data and the transaction account identification data are returned to the host computer together with the ID data, and the host computer transmits the payment confirmation data and the transaction account identification data to the host computer. The voting data is associated with the ID data to generate a voting registration data file. Thereafter, the host computer compares the winning data generated from the result of the lottery with the voting data in the voting registration data file. Generates the winning money data, generates a transfer master file in which the winning money data is associated with the transaction account specifying data, and sends the transfer master file to the account transaction processing system. The winning money is distributed to the account that has won according to the master file. Polls and award money transfer method of lottery using a debit card which is characterized in Mukoto. 2. The host computer generates a membership management data file in advance by associating identification data for identifying an individual who purchases a lottery with transaction account identification data of the debit card, and 2. The voting / winning lottery using a debit card according to claim 1, wherein the returned transaction account specifying data is checked against the member management data file to determine whether or not the purchased individual is a member. Transfer method. 3. Personal management data of a person who registers as a member by paying an enrollment fee using a debit card, transaction account identification data that can identify a transaction account of the debit card, and personal identification number data for performing transactions with this account. Is sent from the voting reception terminal to the host computer via the communication line network, and the personal management data, the transaction account specifying data and the personal identification number data are given ID data for associating these with the host computer, The computer stores the personal management data and the ID data, and sends the transaction account identification data, the password data, the ID data, and the enrollment fee data to an account transaction processing system that can communicate with the host computer. The account transaction processing system deducts the enrollment fee from the account according to the enrollment fee data. The settlement is performed by dropping the membership data to generate membership reservation data, the membership reservation data and the transaction account identification data are returned to the host computer together with the ID data, and the host computer transmits the membership reservation data and the transaction account identification data to the host computer. 3. The method according to claim 2, wherein the member management data file is generated by associating personal management data with ID data. 4. A communication network comprising: lottery voting data to be purchased by payment with a debit card, transaction account identification data capable of identifying a transaction account of the debit card, and password data for performing transactions with the account. Is input to a voting reservation terminal that can communicate with the voting reservation terminal, and the voting reservation terminal associates the voting data with the transaction account specifying data and the personal identification number data.
Data, the voting data and the ID data are stored in association with each other, and the transaction account specifying data, the password data, and the ID data are sent to a host computer capable of communicating with the communication line network. Sends the transaction account identification data, personal identification number data, ID data, and lottery price data generated based on the voting data to an account transaction processing system that can communicate with the host computer. The payment confirmation data is generated by deducting the lottery price from the account according to the lottery price data, and the payment confirmation data and the transaction account identification data are returned to the host computer together with the ID data. Is returned to the voting reservation terminal, and the voting reservation terminal returns When the payment confirmation data is input, the voting data and the ID data are sent to the host computer. The host computer associates the voting data with the transaction account specifying data by the ID data, and registers the voting registration data file. The host computer compares the winning data generated from the result of the lottery with the voting data of the voting registration data file to generate winning data, and calculates the winning data and the transaction account specifying data. Generating an associated transfer master file and sending the transfer master file to an account transaction processing system, wherein the account transaction processing system transfers a winning money to an account won according to the transfer master file. How to vote and win money using lottery cards. 5. The host computer generates a member management data file in advance by associating identification data for specifying an individual who purchases a lottery with transaction account specifying data of the debit card, and generates a member management data file in the account transaction processing system. The voting / winning lottery using a debit card according to claim 4, wherein the returned transaction account specifying data is checked against the member management data file to determine whether or not the purchased individual is a member. Transfer method. 6. Personal management data of a person who registers as a member by paying an enrollment fee using a debit card, transaction account identification data that can identify a transaction account of the debit card, and personal identification number data for performing transactions with this account. Is input to a voting reservation terminal capable of communicating via a communication line network, and the voting reservation terminal assigns ID data for associating the personal management data with the transaction account specifying data and the personal identification number data. While the management data and the ID data are stored in association with each other, the transaction account specifying data, the password data, and the ID data are sent to a host computer capable of communicating with the communication line network. , Personal identification number data, ID data, and lottery price data generated based on the voting data. To the account transaction processing system that can communicate with the computer, the account transaction processing system withdraws the lottery price from the account in accordance with the lottery price data, generates payment confirmation data, and combines the payment confirmation data with the transaction account identification data. The host computer returns the payment confirmation data to the voting reservation terminal together with the ID data. The voting reservation terminal returns the personal confirmation data and the ID data when the payment confirmation data is input. The member management data file is generated by associating the personal management data with the transaction account specifying data by the ID data, and generating the member management data file. Voting and winning money transfer method using a debit card. 7. The voting reservation terminal to which the settlement confirmation data is returned issues a voucher that can read the voucher number data generated for the above procedure, and then votes the voucher number data of the voucher. 7. The debit card according to claim 4, wherein the voting reservation terminal sends data associated with the voucher number data to a host computer by reading the debit card with a reading device capable of communicating with the reservation terminal. Voting and winning money transfer method for used lottery.