KR100455811B1 - Issuing system for giro lottery - Google Patents

Abstract

The present invention by saving the DC handling fee and the DC amount of the company using the Jiro shipping as a resource for the lottery winnings, the economic burden for preparing a separate lottery winnings It is possible to pay a large amount to the winners of the service switching customers without any increase, and to increase the rate of use of the direct debit service of the service users, and to reduce the cost of issuing giro receipts and the time to visit the bank to pay the giro issuing a Jiro lottery. It is about a method.

Description

How to issue a Jiro lottery {ISSUING SYSTEM FOR GIRO LOTTERY}

The present invention relates to a method for issuing a gyro lottery, and more specifically, after a banking fee and a DC amount of a company that uses a gyro shipping in the case of converting various types of bank giro services to direct debit, The present invention relates to a method of issuing a Jiro lottery, which pays the winners as an internet lottery prize.

In general, the Giro payment service is a bank (mail) replacement system for receiving various payments, utilities, and taxes through banks when bank computerization is not available.

Since the Giro Payment Service, a bank alternative system, takes the form of mail delivered through the ground, the current situation in which the number of users on the Internet increases day by day, along with the wave of information and communication, Costs and time are perceived as a relatively uncompetitive means of payment, and efforts are being made to provide secure financing and speedy services through relatively fast and accurate telecommunication infrastructures such as e-mail or Internet banks. Representative examples are banks' direct debit service and Internet Jiro service.

Direct debit service is a service in which various payments are paid on a monthly basis in a customer's bank account. However, although direct debit services can reduce costs and time to maximize customer convenience, they are combined with inefficient Jiro payment services due to the majority of customers who are unsure before touching and confirming with their own eyes under long habits. The situation is being implemented. This seems to be attributable to the fact that the customer may not forget the possibility that his goods may be moved elsewhere while he or she is easy to forget.

The Internet Giro Payment Service is a service that billers notify customers of billing charges over the Internet, and customers do not have the compulsory payment service like the above-mentioned direct debit service. Customer usage is low.

In other words, customers do not have complaints about various payment services operated by the country or company, but they have the right to select and use the payment service and payment service according to their own environment. It wants to be converted into payment service (direct debit service) that can get reliable and reliable payment results.

For example, the tax office wants to use a credit card rather than cash, which is difficult to track in order to secure tax revenue, and provides a lottery (cash) through a separate lottery to credit card customers to activate the credit card. Doing.

However, this service is limited to credit cards only, and department store cards or general receipts are not eligible for him, so many people do not receive such benefits.

Receipt lottery generation method according to the prior art, as shown in Figure 1, as well as the above-mentioned credit card issuing receipt receipt ticket with the schedule information of the receipt registered as a member company in the server and manages the receipt using this as a marketing strategy A server, a mobile terminal user, a netizen, and a member company registration client are registered as site members, and personal information about them is stored in a user information database (hereinafter referred to as DB).

Afterwards, when a general user or a member company accesses the receipt management server (S1), it is determined whether the member company is registered (S2). If a member company is to be registered as a member company, the member company registration procedure (S3) is performed. If you are a regular user of the member verification process (S4), or if you are the first user to perform the membership registration process (S5), after logging in with his ID (ID) and password (S6), the member company Register the receipt by writing the company name, business registration number, address, date, purchase amount, and receipt number (approval number for credit card sales) for the issued receipt (S7), and press the registration button. The lottery number is issued and stored in (S8, S9), the lottery list inquiry (S10) and the winning inquiry (S11), and then log out (S12).

However, in the conventional method of issuing a lottery receipt, the amount is not large because the lottery winnings are allotted as part of the profits of the member companies, and eventually the appropriate amount is passed to the user or the lottery winnings are made only in a limited amount. There is a disadvantage that falls.

In addition, the conventional receipt lottery issuing method, because only the receipt received after the purchase of goods from a registered company can be used, Giro receipts are not eligible for his disadvantage, many people do not receive such benefits. .

Therefore, the present invention is to solve the above-mentioned conventional problems, the bank handling fee and the DC amount of the company using the gyro shipping for converting the giro payment service, which is a bank replacement system to the direct debit service for lottery winnings By earning financial resources, a large amount of money can be paid to the winners among customers who switch services, without the economic burden of preparing a separate lottery prize, and the costs of issuing giro receipts and payment of giro receipts are increased by increasing the use of automatic transfer service of service users. Its purpose is to provide a way of issuing Jiro lotteries that can save time visiting banks.

1 is a flowchart illustrating a method for issuing a receipt lottery ticket according to the prior art;

2 is a diagram illustrating a network for explaining a method for issuing a Jiro lottery according to an embodiment of the present invention;

3 is a system block diagram for implementing the Jiro lottery issuing method shown in FIG. 2 on a network;

4 is a state diagram used for explaining the Jiro lottery website of the system shown in FIG.

5 is a use state diagram for explaining the Jiro lottery,

6 is a flow chart for explaining a Jiro lottery issuing service procedure;

Figure 7 is a block diagram illustrating a method of paying winnings after issuing Jiro lottery.

Explanation of symbols on the main parts of the drawings

10: Internet network 20: customer

30: Giro dispatcher 40: Operating company

50: Giro Shipping Partner 60: Advertiser

140: Jiro lottery management server 150 ~ 156: database

As described above, the present invention is a method of issuing a lottery ticket in a plurality of computers connected to the Internet and a web server providing predetermined information to the computer. For the customers who pay the fee, the convenience of the direct debit when converting the fee of the Jiro Notice to the direct debit payment through a financial institution, the bank handling fee according to the direct debit registration, and the cost of the giro forwarding of the company using the direct mail The Jiro Lottery advertising step of advertising the issuance of a free Jiro Lottery with a part of the Jiro Lottery prize to the customer via the Internet, and when the customer who pays the Jiro Notice in accordance with the Jiro Lottery advertisement on the Internet applies for automatic transfer, In the customer registration step of receiving the information of the converted customer from the web server, The lottery number sending step of sending the lottery number, the advertisement contents, the deposit deadline and the lottery date of the giraffe lottery, by e-mail from the web server to the registered customer, and after a period of time the lottery ticket is automatically drawn from the web server. A winner selection step of selecting a final winner when both the winner, the direct debiter, and the payee of the drawn lottery ticket match; and the step of automatically transferring the winnings from the web server to the customer's direct debit account. Characterized in that made.

In addition, the method for issuing the gyro lottery according to the present invention is characterized in that it further comprises the step of receiving the lottery number desired by the customer through the web server when the gyro lottery is a recordable lottery.

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

2 is a diagram illustrating a network for explaining a method for issuing a lottery ticket according to an embodiment of the present invention, and FIG. 3 is a system block diagram for implementing the method for issuing a lottery ticket shown in FIG. 2 on a network. 4 is a state diagram for explaining the Jiro lottery website, and FIG. 5 is a state diagram for explaining the Jiro lottery website. 6 is a flowchart illustrating a procedure for issuing a lottery lottery service, and FIG. 7 is a block diagram for explaining a method for paying a winning after issuing a lottery lottery ticket.

As shown in FIG. 2, the method for issuing a gyro lottery according to the present invention includes a gyro dispatcher 30 which is connected to the Internet network 10 with a computer terminal and assigns a lottery number, and an operating company which is responsible for issuing a gyro lottery. ), A branch shipping partner 50, the advertiser 70, and the financial network 70 is applied to the network.

Unlike the Giro receipt of a general Giro user, a Giro lottery is a lottery ticket with a lottery number, a deposit deadline, and a lottery date printed on a Giro receipt of a customer 20 registered as a direct debit. Of course, it can be a recordable lottery to enter the lottery number

Such Jiro lottery can receive a large amount of lottery amount by entering the lottery number recorded in the personal information and the Giro receipt from the Jiro lottery site of the operating company 40 connected to the Internet network 10. With direct lottery, direct debit doesn't cost you anything, but it also saves you time and money from visiting a bank. On the other hand, according to the type of Jiro lottery, the user can arbitrarily enter a desired number can be used.

Here, the customer 20 can be secured for the lottery prize without paying the cost of purchasing the lottery at all, and the direct debit that has been returned as a benefit to the existing advertiser or service provider and the direct debit customers. This is because the bank reserves the bank's handling fee and the predetermined ratio (1 to 4%) of the DC amount of the company using the Jiro shipping.

In this way, the winning amount of the lottery can increase as the number of direct debits increases.

In addition, the Jiro lottery is not only a benefit to the customer 20, but due to the automatic debit registration of the customer 20, it is possible to facilitate the secured payment to the service provider member company that is not possible to issue a Jiro, It can dramatically reduce the work load until storage.

Of course, the operating company 40 builds a profit structure based on the interest income for the lottery amount, the advertising revenue received from the advertiser 60, and the sales revenue generated by individuals purchasing other Internet lotteries.

Such issuance of Jiro lottery of the present invention is, for example,

Ⓐ The customer 20 applies for direct debit to the financial institution 70,

Ⓑ the financial company 70 notifies the giro dispatcher 30 of the confirmation of the debit charge receiver.

Ⓒ Giro dispatcher (30) will give a lottery number to the Giro shipping partner (50),

Ⓓ the financial company 70 delivers information about the direct debit fee collector to the operating company 40,

Ⓔ The operating company 40 performs automatic debit confirmation,

Ⓕ If the advertiser 60 requests the advertising company 40,

Ⓖ The operating company 40 receives an advertisement confirmation from the advertiser 60 by producing an advertisement in cooperation with an advertising company or autonomously.

Ⓗ Giro shipping cooperative company (50) requests the direct transfer to the operating company (40),

Ⓘ After the notice of direct debit and delivery of advertisement from the operating company 40 to Giro shipping partner company 50,

Ⓙ Giro Shipping Supplier 50, after checking the direct debit, enters the lottery number on the giro receipt and sends it to the general post office mail or Internet e-mail (hereinafter referred to as “e-mail”).

Ⓚ received the customer 20 enters the personal information and lottery number at the time of membership registration to the Jiro lottery site of the Internet network 10,

The Jiro lottery site provides a variety of content, including advertising to the customer (20).

Ⓜ When the personal information and the lottery number entered by the customer 20 are registered with the operating company 40 and the lottery date is reached,

Ⓝ operating company 40 selects the winner through the lottery, and informs the Giro dispatcher 30 of the winner's personal information, direct debiter and winner,

Ⓞ When the dispatcher 30 confirms the notification,

Ⓟ The operator 40 posts the winners on the Jiro Lottery site.

Ⓠ customer 20 and Giro dispatcher 30 can check the winner through the Internet network 10,

Ⓡ Giro shipper 30 checks the direct debit fee payer and requests for payment to the financial institution 70,

Ⓢ, ⓣ After the financial company 70 confirms the lottery number through the operating company 40, the customer 20 performs the fee receiving confirmation process and pays the winnings to the customer 20.

As shown in Figure 3, the operating company has a Jiro lottery management server 140 is connected to the Internet network 10 to proceed with the overall process from the generation of the lottery lottery payment, in conjunction with the automatic transfer registration and charge storage And a database (150 to 156) composed of direct debit information, lottery information (lottery number, winner, winner, lottery date, payment date, etc.), personal information, advertisements, settlement, contents, and e-mail information.

In particular, the Giro lottery management server 140 has a server-side module is installed for issuing a Jiro lottery, it is equipped with a client-side module necessary for the Giro shipping partners, Giro shipping companies and financial companies, as well as the secret of customer information In order to provide more complementary solutions.

As shown in Fig. 4, the aforementioned Jiro lottery site 160 includes a company-related catalogue, a member ID / password input window, an automatic debit application item, a current lottery winning amount display window, and a deposit and surrogate deposit. It provides contents for issuing items, lottery search, lottery status of the month, other lottery purchase items, lottery amount, other advertisements, materials, and affiliates.

The Jiro lottery site 160 is a web engine written in a general server-side language and runs on the Internet network, and is provided with a separate engine for the wireless Internet so that customers can input and check the lottery number even in the wireless Internet.

As shown in FIG. 5, the front 170 of the giro receipt delivered directly through the mail or delivered through the e-mail is composed of general contents such as direct transfer information, name, address, etc., as shown in (a). The back side 171, as shown in (b) is shown with a general guide letter for the customer lottery number 172, a number of advertisements (173) and the deposit date and lottery date (174).

Therefore, the customer simply enters the lottery number after accessing the gyro lottery site of the Internet network using the giro receipt printed on the gyro lottery.

In addition, if the Jiro lottery is an instant meal, the operating company adjusts the lottery lottery to determine the winning lottery number in advance so that the user can confirm whether or not the winner at the time of receiving the Jiro receipt. Similarly, the operating company selects the winner according to the general record-based lottery operation method based on the lottery number entered directly by the customer in the case of the record-type lottery which is a giro lottery.

The following describes the Jiro lottery issuing service and the winnings payment process at the time of winning.

As shown in FIG. 6, a customer who uses Jiro connects to the Jiro Lottery site through the Internet network 10 (S10). The advertiser also registers through the Internet to conclude a contract in accordance with the advertisement request with the Jiro lottery operator (S11, S12). The operating company's Giro Lottery Management Server recognizes the benefits of using the Giro Lottery and the convenience of the direct debit, and then uses the bank handling fee and Giro sending according to the customer's direct debit registration and use of the Giro Lottery. The process of confirming that a part of the amount is used for the lottery lottery fee is performed (S13, S14).

At this time, if the customer is a non-registered non-member, the new registration process is performed, and if a direct debit registrant, the customer is required to enter the lottery number of the Jiro lottery issued through the new direct debit subscription process as follows. (S15-S18). Thereafter, the Jiro lottery management server performs identity verification, winner verification and automatic transfer confirmation (S19, S20).

At this time, if the US direct debit winner wins, cancel the winning (S21, S22), proceed with the new direct debit subscription process and other lottery sales and purchase process (S23, S25), but if the customer does not want to terminate the service or In addition, by sending a Jiro lottery to a new direct debit subscriber, the customer can win a Jiro lottery in the future (S26, S27).

In addition, when the direct debit winner wins, confirm that the debit is through a direct debit check, and performs a check fee payment process through a financial company (S28 ~ S30).

However, unfortunately, if the automatic transfer and lottery winners, but confirmed as the unpaid payees, and output the information and advertisements recommended to collect the fee with the cancellation (S31 ~ S33).

Of course, if the fee payer and the fee collection confirmation and the winner has been confirmed, the process of paying the payout will be described below, and the congratulations message will be displayed on the customer's computer terminal screen (S34 to S38).

Then, for the non-winner, the message shows the next opportunity, and performs the online and offline lottery purchase process that adds other lottery purchase costs and ends (S40 to S44).

In the payout process shown in Fig. 7, the customer 20 collects the fee and requests the prize and registers the direct debit, ② registers the winner, the direct debiter, and the payee in the database, and ③ registers the contents of the database. (10) When posted on the Jiro lottery site, the winner checks the various services and advertisements while checking this, ④ the winning customer 20 asks the operating company 40 the winnings. Thereafter, ⑤ the financial company notifies the operating company 40 of the winner confirmation, the receipt of the fee, and the confirmation of direct debit. ⑥ The operating company 40 confirms the winner with the winner, the receipt of the fee and the direct debit. The winning customer 20 will be paid.

The method of issuing the gyro lottery according to the present invention is to accumulate a predetermined ratio of the bank handling fee to be given to the customer according to the automatic transfer and the DC amount of the company which uses the gyro shipping to form the lottery winnings. There is no need to raise a portion of the proceeds to the lottery amount, which can reduce the burden on member companies. The more customers make direct debit calls, the more the lottery winnings will increase, naturally inducing customers to participate in the debit registration. This has the effect that both customers and businesses can enjoy economic and time benefits.

In addition, the Jiro lottery issuing method of the present invention builds a profit structure based on the interest earned on the lottery amount, the advertising revenue received from the advertiser, and the sales revenue generated by individuals purchasing other Internet lotteries. This has the advantage of activating both financial institutions and manufacturing companies in charge of manufacturing and selling.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and modifications belong to the scope of the claims You will have to look.

Claims (5)

delete delete A method of issuing lotteries by a plurality of computers connected to the Internet and a web server that provides certain information to the computers, For customers who receive a certain amount of charges from the web server as the Jiro Notice and pay the Jiro fee to the financial institution, the convenience of the automatic transfer when the transfer of the Jiro Notice is converted to the direct debit payment through the financial institution is registered. Giro lottery advertising step of advertising to customers over the Internet the issuance of free Jiro lottery, which is a part of the gyro lottery prize by the bank handling fee according to A customer registration step of receiving information of the direct debit conversion customer from a web server when the customer who pays the notice of Jiro in accordance with the Jiro Lottery advertisement on the Internet applies for direct debit; A lottery number sending step of sending the lottery number of the gyok lottery corresponding to the Jiro notice, the advertisement contents, the deposit deadline and the lottery date by e-mail from the web server to the registered customer; A winner selection step of automatically drawing the giro lottery after the predetermined period and selecting the final winner when both the winner, the direct debiter and the chargeee of the lottery giro lottery are identical; Giro lottery issuing method comprising the step of automatically transferring the winnings in the web server to the selected winners. delete delete