WO2006010836A1 - Card payment installation containing a balance of units of account with a game terminal - Google Patents

Abstract

The invention concerns a card payment installation containing a balance of units of account comprising: at least one game terminal (102) including: means (104) for generating an awarded amount (MG) in the event of a winning game; means (111) for addressing to an incrementing station (52A, 52B) the awarded amount (MG); at least one incrementing entity (50A, 50B) including at least one incrementing station (52A, 52B) comprising: a card reader (54A, 54B), means (112A) for receiving an awarded amount (MG); means (58A, 58B) for incrementing a balance of a card contained in the reader (54A, 54B) by a credited amount (MC) corresponding to the awarded amount (MG).

Description

 Card payment installation containing a balance of units of account with a gaming terminal

The present invention relates to a payment installation by card containing a balance of units of account.

Today, fiduciary money tends to be replaced by electronic means of payment. Among these, we know payment cards that allow, during a purchase, that the bank account of the cardholder is debited the amount corresponding to the purchase price. These cards include a identifier of the wearer and are optionally protected by a code. This identifier of the carrier is stored in a chip, or on a magnetic strip of the card.

Moreover, prepaid payment cards that are not associated with a bank account are also known. These cards contain, in a memory, a balance of units of account corresponding to a reserve of purchase for the holder of the card. To make a purchase, the cardholder gives it to the merchant who decrements the balance stored in the card of the purchase price.

The electronic means of payment can be used in particular for wagering in games of chance allowing the winner to receive winnings. These games are available to the public via a game terminal installed at a retailer's point of sale.

Classically, the stakes or stakes are settled by the player on the list by paying a sum in fiduciary money. Any winnings are paid by the retailer directly in cash.

The use of electronic means of payment for the payment of this type of gambling leads to a decrease in the fiat money collected by the tobacconist, which sometimes makes it impossible to pay the associated winnings. In addition, the management of this type of games is complicated by payments from electronic means of payment and the distribution of earnings from fiat money. The invention aims to allow a simplification of the distribution of gains obtained during games of chance. For this purpose, the subject of the invention is a card payment installation containing a balance of units of account, the installation comprising:

At least one gaming terminal comprising: means for generating an amount won in the event of success in the game; means for sending the amount won to an incrementation station;

At least one incrementing entity comprising at least one incrementation station comprising: a card reader; o means of receiving a prize amount; o means of incrementing the balance of a card contained in the reader of a credited amount corres¬ pondant amount earned; o means for addressing to a collective management server reloading:

• a credited amount; and

An identification of the incrementation station or the incrementing entity to which the incrementation station belongs;

A reload collective management server comprising: a unit for storing the amount of a collective account; means for receiving the amount credited by an incrementation station and identifying the incrementation station or the incrementing entity to which the incrementation station belongs; o means to credit the collective account of the credited amount received; o means for addressing to an account management server of the incrementation entity identified:

• an amount credited from the incrementation item of the incrementing entity; the identification of the incrementation item or the incrementing entity, and an account management server for each incrementing entity comprising: a storage unit of the amount of the incrementing entity's account; means for receiving the amount credited by an incrementation station and identification of the incrementation station or the incrementation entity; means for debiting the account of the incrementing entity of the amount; credited.

According to particular embodiments, the pay¬ ment installation comprises one or more of the following features:

each card comprises an identification code, and the or each incrementation station comprises: means for addressing to the collective management server reloading:

• the amount credited; and

• the identification code of the card on which the amount has been credited;

it comprises a central game management computer to which the or each game terminal is connected;

it comprises means for calculating a total amount earned from the amounts earned which led to a credit by the or each incrementation item of the same incrementing entity, and said means for addressing to the server of account management of the incrementing entity are able to address to the management server the total amount earned and the identifier of the incrementation item or the incrementing entity for a given amount of determined amounts ; the or each incrementation station comprises: means for entering a perceived amount; o means of incrementing the balance of a card contained in the reader of a credited amount corresponding to the amount collected; o means for addressing to a collective management server reloading:

"a credited amount;

An identification of the incrementation station or the incrementing entity to which the incrementation station belongs; the management server of the account of the or each incré¬ mentation entity further comprises:

. input means of a total amount perceived by the or each incrementation station of the associated incrementing entity; and

. means for crediting the account of the incrementing entity of the total amount received by the or each incrementation item of the associated in¬ crementation entity;

it comprises means for calculating a total amount credited from amounts credited by the or each incrementation item of the same incrementing entity, and said means for addressing the management server of the account of the the incrementing entity is suitable for addressing to the management ser- ver the total amount credited and the identification of the incrementing item or the incrementing entity for a set of credited amounts determined;

the or each incrementing entity comprises a management server comprising means for storing the amounts credited by the or each incrementing item of the incrementing entity and the collective management server for reloading includes means for transferring the associated incrementation entity to the management ser- ver of the total amount credited and the identification of the incrementing item at the origin of the credit; each incrementing entity comprises at least two incrementation stations;

- the installation also includes:

At least one decrementation entity comprising: o a card reader; o means of entering an amount to be paid; o means of decrementing the balance of the card contained in the reader by an amount deducted corre- sponding to the amount to be paid; means for addressing to a collective payment management server:

• an amount deducted;

• an identification of the decrementation entity; An account management server of at least one de-encrypting entity comprising: a unit for storing the amount of the account of the or each decrementation entity; means for receiving the amount subtracted by a decrementation station and an identification of the decrementation station; o means to credit the account of the or each decrementing entity of the amount deducted received; A collective payment management server including in addition: means for debiting the principal account of the amount re¬ sliced; means for receiving the amount subtracted by a decrementation station and an identification of the decrementation station; o means for addressing to the management server of the account of each decrementation entity: • an entrenched amount; ^m the identification of the decrementation entity; and - said means for addressing the collective management server re¬ loading are adapted to further address information representative of the origin of the amount credited. The invention will be better understood on reading the description which follows, given solely by way of example and with reference to the drawings, in which:

FIG. 1 is a schematic view of a payment installation according to the invention;

FIG. 2 is a flowchart explaining the charging algorithm of a card;

FIG. 3 is a flowchart of the payment algorithm from a card; and FIG. 4 is a flowchart of the algorithm for paying winnings from a game of chance.

The installation 10 illustrated in Figure 1 is intended for the payment of ar¬ tickets of reduced value from a prepaid card.

A prepaid card is constituted by any information medium containing a balance of units of account, which can be decremented for a payment, or can be incremented when reloading the card.

For example, such a card consists of a support plate por¬ a rewritable memory, possibly associated with a microproces¬ seur proper to implement encryption algorithms. The current balance of the card is stored in the rewritable memory.

As a variant, this card consists of a support plate carrying a magnetic strip on which the current balance is recorded.

Each card is identified by a unique memo code that can be read. The units of account used on the card are, for example, quanti¬ fiées in a national currency or in a unit specific to the installation.

The installation illustrated in Figure 1 is intended to be implemented in a territory of large area such as the national territory of a state. This installation comprises, on the one hand, means 12 for reloading or incrementing the payment cards and, on the other hand, means 14 for decrementing these payment cards, each time the holder makes a purchase. These incrementing means 12 and decrementing 14 distributed over the installation territory of the installation are respectively connected to a reload collective management server 16 and to a collective payment management server 18. In a variant, these two servers are formed by one and the same server.

The servers 16 and 18 are connected to a server 19 of the central bank in charge of the currency, including electronic money in the territory concerned. The server 19 is capable of managing interbank compensation. As known per se, and to enable payment from payment cards, each merchant accepting such payment is equipped with a decrementation entity.

In FIG. 1, two decrementation entities 20A, 20B are illustrated. Each decrementation entity comprises a card reader 22A, 22B able to receive a payment card and to read the information contained in this card, as well as the writing of new information on this card.

In addition, each decrementation entity 2OA, 2OB includes an information processing unit 24A, 24B connected to a price entry keyboard 26A, 26B, or any other means of entering an amount to be paid such as a barcode reader. The keyboard is adapted to ensure the seizure of a mon¬ to be charged on the card, this amount corresponding to the price of purchases ef¬ made by the cardholder.

The information processing unit 24A, 24B is able in particular to manage the amount to be debited, and to manage the reading and writing of the information on the card, according to the algorithm described with reference to FIG.

Each decrementation unit 2OA, 2OB also comprises a storage unit 27A, 27B for storing the transactions effec¬ killed from the entity in question and in particular the storage of the amount debited as well as a communication interface 28A, 28B allowing the connection The connection is made for example via the telephone network of the region in question. The latter is designated by the general reference 30. For the sake of clarity, a direct link illustrating the communication flows is shown in FIG. 1 for each link between two entities.

The collective payment management server 18 comprises an interface 32 for receiving payment information from each of the decoding entities 2OA and 2OB. This server further comprises an information processing unit 34 and storage means 36. It also includes a communication interface 38 adapted to ensure the transmission of information to the server 19 of the central bank.

Finally, a last communication interface 40 of the collective payment management server is able to ensure the transmission of credit information to account management servers 42A, 42B, each associated with a merchant. These servers are bank servers managing the current accounts of merchants equipped with 2OA and 2OB demergers. The information processing unit 34 is able to manage the transmission of information through the interfaces 32, 38 and 40, and to implement the steps of the algorithm of FIG.

The account management servers of the decrement entities 42A and 42B each comprise an interface 44A, 44B for receiving, from the network 30, credit information from the collective payment management server 18. They also include a payment unit. information processing 46A, 46B and a storage unit 48A, 48B hosting databases.

In these bases are stored the bank account information of the decrementation entities 2OA and 2OB. These servers are suitable for creating, on the account of the owners of entities 2OA and 2OB, amounts to be credited sent by the collective payment management server 18.

The means 12 for incrementing the payment cards comprise a set of incrementing entities 5OA, 5OB of which only two are illustrated in FIG.

These incrementing entities 5OA, 5OB each comprise at least one incrementing station 52A ₁ 52B. The incrementing entity 5OA, 5OB is formed of all the incrementation stations 52A, 52B. It corresponds to a flow centralization company that manages the load flows from each of the incrementation stations corresponding to distribution structures that are dependent or independent of the centralizing structure and have a customer-to-provider relationship with it. Thus, the incrementation stations are installed for example in a network of merchants, such as service stations or tobacconists dependent on the same brand. Thus, for example, each service station is equipped with an incrementation station for reloading payment cards. This network of traders forms an incrementing entity. Each incrementation station comprises a card reader 54A, 54B, a keyboard 56A, 56B and an information processing unit 58A, 58B associated with storage means 6OA, 6OB and a communication interface 62A, 62B with the reload collective management server 16. The reader 54A, 54B of each station is able to ensure the reading of the balance of a payment card and the writing of a new balance on the card.

The keyboard 56A, 56B is intended to ensure the seizure of an amount collected in cash and which will constitute a credited MC amount on the card while the central processing unit 58A, 58B is able to implement the sta. of the algorithm illustrated in FIG. 2, and in particular to manage the re¬ loading of the card present in the reader 54A, 54B from the perceived mon¬ enter on the keyboard 56A, 56B, to store information relating to the loading into the storage unit 6OA, 6OB and transmitting this information to the reload collective management server 16 through the interface 62A, 62B.

At least some of the incrementation stations 52A are each associated with a game terminal designated by the reference 102. This terminal com¬ door, for example, information processing means 104 connected to a screen 106 for viewing the results of the game and a keyboard 108 for entering game data.

The dedicated gaming terminal 102 is connected to a central game management computer 110 specific to the company managing the games of chance in question. The Dedicated game terminal is able to receive from the central computer game management 110 information concerning the results of the games of chance and in particular the winnings allocated to each of the players who bet earlier. The dedicated gaming terminal 102 comprises a link interface 111 connected by an information transmission link to the associated incrementation station 52A through a data reception interface 112A integrated in the incrementation station. The gaming terminal 102 is able to transmit through the interface 112A the amount won by a player, denoted MG. This amount MG is, as known per se, defined by the central computer game management 110 and is communicated to the game terminal dé¬ die 102.

The central processing unit 58A of the incrementation station is ready to implement the algorithm illustrated in FIG. 4 in order to ensure the incrementation of a prepaid card of an amount credited from the the amount won transferred to the incrementing station from the dedicated gaming terminal.

Each incrementing entity 5OA, 5OB furthermore comprises a management ser¬ 64A, 64B of the associated incrementing entity 5OA, 5OB.

The management server 64A, 64B comprises a communication interface 65A, 65B capable of receiving information from the collective management server rel¬ ing about all the amounts received from each incrementing station 52A, 52B. This information comes from the interfaces 63A, 63B of the incrementation stations.

Each server 64A, 64B comprises an information processing unit 66A, 66B associated with a storage unit 67A, 67B capable of storing all the operations performed by the incrementation stations of the entity of associated incrementation.

Each incrementing station 52A, 52B has means 68A, 68B of intermediate physical storage, such as a box or a safe for the temporary storage of money collected in cash.

Similarly, each incrementing entity 5OA, 5OB includes a collection cof¬ fre 69A, 69B adapted to receive funds temporarily collected in intermediate chests 68A, 68B. Each incrementing entity 50A ₁ 5OB is associated with an account management server 7OA, 7OB. The management server 70A 7ob ₁ is formed, for example the server of a bank managing the bank account of the considered increment entity. In a variant, the management server 7OA, 7OB is the server of the incrementing entity under consideration, and this server is suitable for addressing to a bank in charge of managing the account of the incrementing entity of the payment orders. payment to debit the account of the incrementing entity in question.

As known per se, such a server 7OA, 7OB comprises an information processing unit 72A, 72B, storage means 74A, 74B ₁ input means 76A ₁ 76B such as a keyboard. It also has an interface 78A, 78B capable of receiving rate information from the collective management server reloading 16. In addition, the host hosting server 7OA, 7OB has a box 80 for the reception of money sums in cash.

The storage means 74A, 74B comprise databases in which the bank account of the associated incrementation entity is contained. The information processing unit 72A ₁ 72B is able to credit the account with the total amounts received in cash and entered from the keyboard 76A, 76B or received by computer file of the in¬ crediting entity and to ensure the rate of the account of the incrementation entity as¬ sociée from flow information received from the reload collective management server 16 through the interface 78A.

The reload collective management server 16 comprises an input interface 82 to which are connected the interfaces 62A, 62B of each of the incrementation stations 52A, 52B in order to receive credit formations. The server 16 furthermore comprises an information processing unit 84 associated with a storage unit 86. It furthermore comprises an interface 88 capable of transferring information to the central bank server 19 and an interface 90 adapted to provide the transfer of information to the servers 70A ₁ 7OB account management incrementing entities 50A ₁ 5OB. As known per se, the server 19 of the central bank has an interface 92 for receiving information from the servers 16, 18, an information processing unit 94 and a storage unit 96.

As illustrated in the flowchart of FIG. 2, for the loading of a card from the incrementation station 52A, the card is introduced, at the step 202, in the reader 54A and the cardholder gives the attendant in charge of the use of the incrementation post a sum of money in cash. This sum is placed in the intermediate safe 68A and the pre¬ posed, in step 204, from the keyboard 56A, the perceived amount noted MP which the balance of the prepaid card must be incremented.

The information processing unit 58A then collects the rolling balance S of the card by reading the memory thereof, at the step 206. At the step 207, the processing unit 58A calculates the amount MC that will be credited on the card according to the perceived amount MP. The processing unit 58A performs, at the step 208, the calculation of the new balance S of the card and inscribes, at the step 210, this new balance in the memory of the card. The new balance is the sum of the current balance S lu plus the credited amount MC.

The corresponding operation is stored in step 212 in storage unit 6OA. In particular, the collected amount MP and the credited amount MC are stored.

This credit card information and in particular the amount credited MC ₁ identification code of the credit card and information representative of the origin of the credit, namely here the collection of a sum Cash in cash is transmitted for each operation to the collective charging management server 16 at step 214. The credit information transmitted to the collective charging management server 16 furthermore includes an identification of the pay station. incrementation 52A and / or the incrementing entity 5OA which includes the incrementa¬ tion station having carried out the transaction. The server 16 collects all of this information and stores it, in step 216, in the database hé¬ bergée in the storage means 86. Thus, the storage means 86 include amounts credited MC from the set of integration stations 52A, 52B with the identification of the incrementation station and / or the associated increment entity. Thus, under the control of the information processing unit 84, the credited amounts from the set of incrementation stations of the same incrementing entity are stored in the storage means 86. Periodically, for example each day, the collective management reloading server transmits, in step 218, the credited amount MC and the identification of the incrementation item at the origin of the credit if it has been transmitted or, failing that, the identification of the incrementing entity to the associated management server 64A, 64B for all the incrementing operations corresponding to the receipt of a sum of money in cash. These in¬ formations are stored in the storage means 67A, 67B of the management ser¬ 64A 64B, in step 220.

Periodically, for example every day, the information processing unit 84 collects, in step 222, in the database, the set of credited amounts associated with the same incrementing entity. The total amount credited, noted MTC, specific to this incrementing entity is calculated, in step 224, then is transmitted, in step 226, to the management server 7OA of the incrementing entity associated with the 90. This total MTC credited amount is debited, possibly after conversion, from the incrementing entity's account by the incrementing entity's account management server, for example 7OA. For this purpose, the information processing unit 72A decrements the count of the incré¬ mentation entity in step 228, and stores the new balance thereof in the storage unit 74A, to step 230.

Simultaneously or subsequently, all the cash funds stored in intermediate chests 68A are collected by the incrementing entity 5OA and are grouped in the trunk 69A before being transferred to the trunk 8OA of the bank hosting the trunk. 7OA server account management of the associated increment entity.

In a variant, the incrementation stations send transfers to the server 7OA or are taken by this server 7OA amounts that are collectable by the incrementing entity in question. On receipt of the funds, the total amount noted MTP collected collected funds and collected is entered from the keyboard 76A or received by computer file picking or transfer, at step 232. The central processing unit 72A ensures then, at step 234, incrementing the incrementing entity count of this total perceived amount MTP and storing, in step 236, the new account balance in the database hosted by the unit. 74A storage.

Periodically, and for example every day, the total amount credited MTC on each of the cards in service reloaded from the credit stations is transmitted to the server 19 of the central bank, which ensures storage of these total amounts credited in the bank. data base 96 under the control of the information processing unit 94.

To make a purchase with the amount of the prepaid card, the algorithm shown in Figure 3 is implemented. In the example considered, the payment is considered to have been made from the decrementation entity 2OA.

For payment, the cardholder introduces it into the reader 22A at step 302. In step 304, the amount to be paid MV corresponding to the price of the purchased items is entered by an attendant from the keyboard. 26A. The current balance S stored on the card is read at step 306. The information processing unit 24A determines the amount MR that must be retransmitted from the current balance S of the card according to the amount to be paid MV in step 307. In step 308, the information processing unit 24A calculates the new balance by subtracting the subtracted amount MR from the current balance. This new balance is entered on the card, in step 310. This operation and the data relating to it, in particular the total amount subtracted MR is stored in the storage means 27A of the incrementation station consi¬ déré, at the step 312.

Periodically, for a determined number of transactions, the information concerning the transactions is transmitted to the collective payment management server 18, at step 314. The information transmitted comprises at least the subtracted amount MR of each transaction and the identification of the decrementation entity. This transmission of information is carried out at regular time intervals, for example every day, or for a predetermined number of transac¬ tions, for example 1000 transactions.

These operations are stored in the storage means 36 of the server 18 in step 318.

Periodically, the information processing unit 34 collects the subtracted amounts MR corresponding to the operations carried out from the same decrementation entity, at the step 322. A total amount retransmitted MTR for this decrementing entity is calculated at the same time. step 324. The total MTR deducted amount is transmitted in step 326 to the account management server 42A of the corresponding decrement entity at step 328. The information processing unit 46A of this server provides incrementing the count of the incrementing entity involved in step 328 of the total amount subtracted MTR possibly after conversion, if necessary. The new account balance of the decrement entity is then stored in step 330.

Periodically, the total amount deducted MTR of all the decrementation entities is transmitted to the server 19 of the central bank for a compensation between the credits made on the accounts of the banks holding the account management servers of the decrement entities ¬ tation and debits performed on the account management servers incrementation.

Figure 4 shows the algorithm for crediting a prepaid credit card from the winnings of a game of chance. To obtain this payment, in step 402, the player enters, from the keyboard 108, or asks the retailer point to enter in the game terminal 102 game data that correspond for example to the game choice he has made or confidential codes corresponding to a previously purchased game ticker. From this game data, the terminal 102 interrogates the game management central computer 110 at step 404. In step 406, the game management computer returns to the game terminal 102 on amount earned MG, as known per se. Immediately, and at the same step 406, the amount earned MG is transmitted to the associated incrementation station 52A. The player's prepaid payment card being inserted in the reader 54A of the incrementation station, a credited amount MC, for example equal to the amount earned, or equal to the amount earned minus a commission is incremented on the card, at step 408, as previously described.

In particular, to proceed with this incrementation, the current balance S of the card is first read and then a new balance S = S + MC is calculated and the new balance is finally written on the card. This balance must be limited to the maximum ceiling specific to the card.

At the end of the actual incrementation of the amount of the card, the operation of payment of a game gain is stored in the in¬ crementation station 52A, at step 410.

During each payment of a game win, or periodically, for example every day, the information relating to each payment operation of a game win is transmitted by the incrementation station to the collective management server reloading 16, In particular, the amount won, the identification code of the card on which this amount has been credited, the identification of the incrementation item having performed the operation and information representative of the The origin of the credit, namely here the payment of a prize to a game of chance are transmitted to the collective management server recharging 16. This information is stored in the ser¬ 16.

Periodically, for example every day, the collective management reloading server retransmits, in step 414, the credited amount MC corresponding to an amount earned having been credited, as well as the identification of the incrementation item at the origin of the credit if it has been transmitted or, failing this, the identification of the increment entity to the associated management server 64A, and this for all the incrementation operations corresponding to the payment of an amount earned. In the same way, the information representing the origin of the credit is transmitted. This information is stored in the storage means 67A of the management server 64A, at the step 416. Periodically, the reload collective management server 16 calculates and stores a total amount of money earned noted MTG, at step 418. This total amount earned is the sum of the amounts earned that have been credited by the various posts. incrementing the same incrementing entity.

In step 420, this total amount earned MTG is transmitted to the ser¬ 7AU 7A ensuring the account of the incrementing entity, insofar as it is the company in charge of the payment of earnings, or this information is transmitted to the company's account management server managing the payment of winnings.

In step 422, the total amount earned MTG is decremented by the incrementing entity's account directly by the informa¬ tion processing unit 72A. The new account balance of the incrementing entity is stored in the storage means 74A. Storage of the new balance is done at step 424.

It is conceivable that with such an installation, the gains obtained in the game by the players no longer have to be paid in fiduciary money and that these can be paid in a simple manner by credit on a prepaid payment card. . In addition, the winnings thus paid are periodically, by means of a total amount earned, debited to the account of the incremental entity, thus reducing the transaction flows. The use of incrementing a prepaid amount card facilitates management for the tobacconist in charge of managing the incrementation item.

Moreover, of course, payment cards can also be reloaded by transfer from a bank card associated with an account. In this case, the account of the holder of the bank card is directly debi¬ ted from the amount credited on the prepaid card, as known per se.

Claims

1.- Payment installation by card containing a balance of units of account comprising: At least one gaming terminal (102) comprising: means (104) for generating a won amount (MG) in case of success in the game, o means (11 1) for sending to an incrementation station (52A, 52B) the amount earned (MG); At least one incrementing entity (50A, 50B) comprising at least one incrementation station (52A, 52B) comprising: a card reader (54A, 54B); o means (1 12A) for receiving an amount earned (MG); o means (58A, 58B) for incrementing the balance of a card contained in the reader (54A ₁ 54B) by a credited amount (MC) corresponding to the amount earned (MG); means (62A, 62B) for addressing to a collective management server (16) reloading: • a credited amount (MC); and "an identification of the incrementation station (52A, 52B) or the incrementing entity (50A, 50B) to which the incrementation station (52A, 52B) belongs; A server (16) for collective management of reloading comprising: a unit (86) for storing the amount of a collective account; means (82) for receiving the credited amount (MC) by an incrementation station (52A, 52B) and an identification of the incrementation station (52A, 52B) or of the incrementing entity (50A). , 50B) to which the incrementation station (52A, 52B) belongs; o means (84) for crediting the collective account of the credited amount received (MC); means (90) for addressing to a server (7OA, 70B) managing the count of the incrementing entity (50A ₁ 50B) identified: An amount credited (MC) from the incrementation station (52A, 52B) of the incrementing entity; Identifying the incrementation station (52A, 52B) or the incrementation entity (50A, 50B); and a server (7OA, 70B) for managing the account for each incrementing entity (5OA, 50B) comprising: a unit (74A, 74B) for storing the amount of the account of the incrementing entity ( 5OA, 50B); o means (78A) for receiving the credited amount (MC) by an incrementation station and an identification of the incrementation station (52A, 52B) or of the in¬ crementation entity (50A, 50B); o means (72A, 72B) for debiting the account of the incrementation unit (50A, 50B) of the credited amount (MC). 2.- Installation according to claim 1, characterized in that each card comprises an identification code, and in that the or each incrementation station (52A, 52B) comprises: o means (62A, 62B) to address to the collective reload management server (16): "the credited amount, and • the identification code of the card on which the amount has been credited. 3.- Installation according to claim 1 or 2, characterized in that it comprises a central computer (110) game management which is connected to the or each game terminal (102). 4.- Installation according to any one of the preceding claims, characterized in that it comprises means (84) for calculating a total amount earned (MTG) from the amounts earned (MG) having leads to a credit by the or each incrementing station (52A, 52B) of the same incrementing entity, and in that said means (90) for addressing the server (70A, 70B) of the account management of the incrementing entity (50A, 50B) are adapted to address to the management server (70A, 70B) the total amount earned and the identifier of the incrementation item (52A, 52B) or the entity of incrementing (50A, 50B) for a set of ga¬ gnated amounts (MG) determined. 5.- Installation according to any one of the preceding claims, characterized in that the or each incrementation station (52A, 52B) comprises: o means (56A, 56B) for entering a perceived amount (MP ); o means (58A, 58B) for incrementing the balance of a card contained in the reader (54A, 54B) by a credited amount (MC) corresponding to the amount collected (MP); means (62A, 62B) for addressing to a collective management server (16) reloading: • a credited amount (MC); An identification of the incrementation station (52A, 52B) or of the incrementing entity (50A, 50B) to which the incrementation station (52A, 52B) belongs. 6.- Payment installation according to claim 5, characterized in that the server (7OA, 70B) for managing the account of the or each incrementation unit (5OA, 50B) further comprises: means (76A, 76B) for input of a total amount (MTP) perceived by the or each incrementation station (52A, 52B) of the incrementing entity (5OA, 50B) associated; and means (72A, 72B) for crediting the account of the incré¬ mentation entity (5OA, 50B) of the total amount (MTP) perceived by the or each incrementation item (52A, 52B) of the entity incrementation (50A, 50B). 7.- Payment installation according to any one of revendica¬ tions 5 and 6, characterized in that it comprises means (84) for calculating a total amount credited (MTC) from amounts credited (MC) by or each incrementation station (52A, 52B) of the same incrementa¬ tion entity (5OA, 50B), and in that said means (90) for addressing the server (7OA, 70B) of the account management incrementing entity (50A, 50B) is adapted to address to the management server (70A, 70B), the total amount credited (MTC) and the identification of the incrementation item (52A, 52B) or the incrementing entity (50A, 50B) for a set of credited amounts determined. 8.- Installation according to any one of claims 5 to 7, ca¬ characterized in that the or each incrementing entity (5OA, 50B) comprises a server (64A, 64B) management comprising storage means credited amounts (MC) by the or each incrementation item (52A, 52B) of the incrementing entity (52A, 52B) and the reload collective management server (16) includes means (90) transferring to the associated incrementing entity management server (64A, 64B) (50A, 50B) the total amount credited (MC) and the incrementation item identification (52A, 52B) to the origin of the credit. 9.- Installation according to any one of claims 5 to 8, ca¬ characterized in that each incrementing entity (50A, 50B) comprises at least two incrementation stations (52A, 52B). 10.- Payment installation according to any one of revendica¬ tions 5 to 9, further comprising: At least one decrementation entity (20A, 20B) comprising: a card reader (22A, 22B); o means (26A, 26B) for entering an amount to be paid (MV); o means (24A, 24B) for decrementing the balance of the card contained in the reader (22A, 22B) of a subtracted amount (MR) corresponding to the amount to be paid (MV); means (28A, 28B) for addressing to a collective payment management server (18): an entrenched amount (MR); an identification of the decrementation entity (20A, 20B); A server (42A, 42B) for managing the account of at least one decrementing entity (2OA, 20B) comprising: a unit (48A, 48B) for storing the amount of the account of the or each decrementing entity ( 20A ₁ 20B); o means (32) for receiving the subtracted amount (MR) by a decrementation station (20A, 20B) and an identification of the decrementation station (20A, 20B); o means (46A, 46B) for crediting the account of the or each decrementing entity (20A, 20B) of the received entrained mon¬ (MR); A collective payment management server (18) further comprising: means (34) for debiting the principal account of the subtracted money (MR); means (40) for receiving the subtracted amount (MR) by a decrementation station (20A, 20B) and an identification of the decrementation station (20A, 20B); means (40) for addressing to the server (42A, 42B) managing the account of each decrementation entity (2OA, 20B): • an amount deducted (MR); The identification of the decrementation entity (20A, 20B). 11.- Installation according to any one of the preceding claims, characterized in that said means (62A, 62B) for addressing the ser¬ (16) collective management reloading are adapted to address further information representative of the origin of the credited amount (MC).