CN101322149A

CN101322149A - Lottery system and method using a settlement data

Info

Publication number: CN101322149A
Application number: CNA2006800433374A
Authority: CN
Inventors: 南基元; 车智赫; 郑恩英
Original assignee: Individual
Current assignee: Individual
Priority date: 2005-10-20
Filing date: 2006-10-20
Publication date: 2008-12-10
Also published as: JP2009512935A; KR101143607B1; US20090318211A1; KR20070043560A

Abstract

Provided are a lottery system and method based on the sequence number of payment. The system and method discount a payment amount of a prize winner by an amount that is computed by aggregating certain rates of sales of non-winners by means of giving a sequence number of amount payment for each payment amount group at the time of making card payment or cash payment, and also discount the payment amount depending on the sequence numbering result for each winning probability by allowing customers to select the winning probabilities.

Description

Utilize the lottery system and the method for settlement data

Technical field

The present invention relates to lottery system and method based on sequence number of payment.More specifically, the present invention relates to a kind of like this lottery system and method based on sequence number of payment, this lottery system and method are with award-winner's the following amount of money of payment discounting, this amount of money is by blocking payment or adding up to not by provide amount of money sequence number of payment at each payment group that the certain ratio of award-winner's sales volume calculates when paying in cash, and this system and method is also by allowing client to select prize-winning probability, according to the sequence number establishment result at each prize-winning probability payment is given a discount.

Background technology

As known in the art, along with the fresh information development of Communication Technique, had with can be in real time by remote data communication network, provide the relevant research of ICT (information and communication technology) to a plurality of users about the information in various fields through one or more host server.

Based on this technology, its peripheral techniques is also improved together with the Information Selection technology and the compress technique of can be close to the users more expediently hobby and preference for the user provides the research of the cache expansion technique of correct information in recent years as being used for more promptly.In addition, a kind of new trend is except that to the above-mentioned Study on Technology, and the research of various contents and solution is also quickened.

In recent years, also developed and a kind ofly be used for to off-line and pay in cash online and the people that blocks payment provides various value to stimulate shopping psychology so that seek to induce the device of consumption.In the card method of payment of utilizing card type information storage medium, used the credit card of various card type of payment, wherein credit card comprises: all-prupose credit card has all cash service functions that can use the payment in full payment of extensive stock or service and installment payment payment services function and allow to extract limited amount of money cash with payment in full payment or installment payment; And the commodity Payment Card, only have the payment in full payment and the installment payment service function of issuing voluntarily and only in their shop, being suitable for by mega-store such as department store, do not comprise the cash service function.

Because except that the facility of amount of money payment, also consider to allow government to give the plan of preferential tax revenue, so the use of such credit card is increased sharply to the payment of being undertaken by credit card.

Simultaneously, in order to guarantee the transparent of tax revenue resource and to manage by strengthening using the card method of payment of card Payment Card to prevent to evade taxation, under the leader of government, developed lottery system, and currently come into operation, wherein, pay award-winner with certain bonus then at first on the basis of fixing period, in the card user that is carrying out the amount of money payment more than certain amount of money by the card Payment Card, draw a lottery.

In this lottery system that uses the card Payment Card, when the card user that is distributed in the whole nation is bought certain commodity or service with their card and is that described commodity or service are when paying, be earlier that every card payment of ordered pair provides sequence number with the time of payment, carry out the prize drawing of sequence number every preset period of time (a for example week) then.Subsequently, bonus is offered the card disburser of the prize-winning sequence number that has in the prize drawing.

Yet, in the conventional lottery system that uses the card Payment Card, owing to draw a lottery in the sequence number that provides during by each generation card payment after the i.e. week from the predetermined amount of time on pay day, cause the user who uses such card payment when prize drawing, just to confirm the inconvenience of whether winning a prize so exist.In addition, be unknown owing to win a prize or do not win a prize when blocking payment, so be difficult to excite user's expectation psychology and the purchasing demand of paying by card.

In addition, owing to supply the bonus that gives award-winner, with regard to this separately outfit of financial resources, extra difficulty is arranged by separating the financial resources that is equipped with card company or other prize drawing mechanism.In addition, award-winner's number is compared with a large amount of card payments and is limited to very little number, and it does not have the expectation effect and uses effect such as improve card by drawing a lottery.

In addition, link the lock shop and compare with non-chain stores and cause more sales volumes, also when using card or gratitude activity, further excite buyer's desire to buy simultaneously by the maximum reserve fund.Yet existing chain stores system can not have the comings and goings of chain stores, draws a lottery such as payment etc.

In addition, pay identical commodity purchasing cost though block the people of payment, can be at the lottery drawing machine that when card is paid, provides under the leader of government only for the purpose that prevents to evade taxation.Therefore, the chance of credit card prize drawing is not provided.

In addition, neither exist and be used for reserve fund that sales volume increases and when financial transaction taking place as providing a loan or there is not prize drawing when transferring accounts in service fee yet.Therefore, need provide various value in the hope of increasing sales volume, because financial products such as loan are identical with the payment behavior with consumer behavior to the buyer.

In addition, if circulation company or sales company such as department store or large scale business center plan to hold activity at concrete commodity, then they pay close attention to the sales rate that underlying commodity increases commodity by only make client by reducing the price.These commodity are called the bait commodity, and help to encourage client's presence to desire.

Yet circulation company or sales company such as department store or large scale business center provide simple discounts activity at concrete commodity for client.Therefore, because these activities are held by circulation company or sales company, so client and do not think that these discount activities are attractive especially.

Summary of the invention

Technical matters

Therefore, one object of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method be award-winner's payment such amount of money that gives a discount, and this amount of money is by adding up to not by each payment group being provided amount of money sequence number of payment that the certain ratio of award-winner's sales volume calculates in the card payment or when paying in cash.

Another object of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method be award-winner's the payment following amount of money that gives a discount, and this amount of money is by by allowing client to select prize-winning probability to add up at the certain ratio of the sales volume of each prize-winning probability and deciding award-winner to obtain by the amount of money sequence number of payment that provides at each prize-winning probability group when card is paid or paid in cash.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method be award-winner's the payment following amount of money that gives a discount, this amount of money be by by working day, by week or monthly the appointed sequence number group, add up to the sales volume that is used for each sequence number group certain ratio bonus and when card is paid and paid in cash, decide award-winner to obtain by the sequence number of payment that provides at each sequence number group.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method to have that specific prize-winning number commodity purchaser provides bonus and in server storage for information about, this bonus be by manufacturer when the distribution commodity specify in advance certain make number for prize-winning number buy and during payment for merchandise the sale according to each commodity add up to certain ratio to obtain in proper order.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method are when selling financial products and at each group of dividing according to the selling price of every kind of commodity particular event being set number as award-winner in each financing corporation, incident when taking place as loan, remittance etc. according to the financial payment incident takes place number, adds up to the certain ratio of the service fee that takes place that interest rate and various service fee are given a discount.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method are when utilizing the payment of movement station (mobile) or ARS, decide concrete award-winner and payment is given a discount by the sequence number of payment establishment in each group of dividing into groups, and allow client to select to win a prize probability to determine the sales volume of each group according to the selling price of every kind of commodity.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, the reserve fund that this lottery system and method merge and provided by a plurality of chain storess when being accumulated in the purchase of customer commodity, according to the selection of client at concrete accumulation amount of money group, if surpass specificly with reference to the amount of money then determine that specific consumers is award-winner at the reserve fund of accumulation reserve fund time accumulation, and bonus is given a discount or the deposit bonus.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, and this lottery system and method are by accumulating than the more reserve fund of other commodity as the reserve fund of lottery system, by incident sequence number establishment service with discount being provided, increasing the consumption that client comes the number of times in shop and promotes other commodity by merchandising by a part that provides and accumulate discount amount at concrete discount lipuid goods.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, the discount of this lottery system and the following amount of money of method afford award-winner, this amount of money are by merging and the reserve fund that provides when using credit card or the various gift token of purchase with cash being provided and deciding award-winner to collect by the sequence number of payment establishment.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method by registration client's credit number and cell-phone number in payment/prize drawing management server and when the payment further the registration reserve fund process information that is used for each client allow certain ratio that client uses reserve fund as the integration that is used for sequence number establishment service, and allow that the presupposed information according to client accumulates excess reserve when sending the payment signal.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method by the discount rate information of classifying according to classification, positional information, phone information, Special Events information and merchandising information as chain stores's information and utilize the PC of chain stores in payment/prize drawing management server, to register these information to allow each client by suitable chain stores being searched in the selection that the merchandising in chain stores and the required classification takes place for the discount rate of concrete zone, ascending order, concrete incident via mobile phone.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method are by making payment/prize drawing management server in one way when reception is transferred accounts the deposit application of carrying out by client's deposit application, input reserve message and reserve amount, to client provide with the corresponding integration that is used for sequence number establishment service of whole expectation payments for he or she use in advance, thereby sequence number establishment service was provided before payment.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method allow client by from delivery companies input payment information to payment/prize drawing management server with the authentication number that obtains to be used in the integration that is used for sequence number establishment service that receipt exports from server after, by via his or his PC or mobile phone be connected to server and obtain sequence number and work out and serve.

Another purpose of the present invention is to provide a kind of lottery system and method based on sequence number of payment, this lottery system and method provide the integration at sequence number of payment that can use by the authentication number of registering gift token when the chain stores distribution gift token in payment/prize drawing management server in the certain hour section, provide certain interest rate if described in addition certain hour section expires by the period that calculates till using before the gift token, and by automatic deletion integration to provide add on yield to promote the circulation of the gift token of chain stores when the purchase of customer gift token.

Beneficial effect

Describe as mentioned and hereinafter will describe, of the present invention based on sequence number of payment lottery system and method by each group of classifying in advance according to payment is provided sequence number of payment, and when coming the payment for merchandise amount of money by credit card or cash by more given sequence number with decide for predetermined prize-winning number prize-winning or prize-winning, thereby payment is given a discount or the computer currency is provided.Therefore, lottery system of the present invention and method can boost consumption, increase the sales volume of each chain stores and provide and use the proportional bonus of the amount of money to client.In addition, if payment is big, then client can participate in sequence number of payment establishment service by division methods, thereby improves prize-winning probability.In addition, client can determine to participate in the number that sequence number of payment is worked out the correspondence group of service, as 10 people, 20 people, 30 people etc.Under the situation of group fewer in number, lottery system of the present invention and method can improve prize-winning probability, and under the situation of the more group of selection number, lottery system of the present invention and method have the advantage that can boost consumption and select lottery drawing method based on client's intention.

Description of drawings

Above and other objects of the present invention and feature will become from the following description to preferred embodiment that provides in conjunction with the accompanying drawings obviously, in the accompanying drawings:

Fig. 1 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of first embodiment of the invention;

Fig. 2 is the diagrammatic sketch of describing according to first embodiment of the invention based on the sequence number of payment establishment state of the lottery system of sequence number of payment;

Fig. 3 be describe according to first embodiment of the invention based in the lottery system of sequence number of payment according to the diagrammatic sketch of the sequence number establishment state of payment;

Fig. 4 is the block diagram that the structure of the payment/prize drawing management server according to first embodiment of the invention is shown;

Fig. 5 and Fig. 6 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to first embodiment of the invention;

Fig. 7 is a diagram according to the diagrammatic sketch based on the state of progress of the lottery system of sequence number of payment of second embodiment of the invention;

Fig. 8 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to second embodiment of the invention;

Fig. 9 is the block diagram that the structure of the payment/prize drawing management server according to third embodiment of the invention is shown;

Figure 10 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to third embodiment of the invention;

Figure 11 is that the client based on the lottery system of sequence number of payment who illustrates according to fourth embodiment of the invention selects signal to generate the diagrammatic sketch of state;

Figure 12 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to fourth embodiment of the invention;

Figure 13 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of fifth embodiment of the invention;

Figure 14, Figure 15 and Figure 16 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to fifth embodiment of the invention;

Figure 17 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of sixth embodiment of the invention;

Figure 18 and Figure 19 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to sixth embodiment of the invention;

Figure 20 is the process flow diagram based on the data stream of the lottery system of sequence number of payment that illustrates according to seventh embodiment of the invention;

Figure 21 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to seventh embodiment of the invention;

Figure 22 is the process flow diagram based on the data stream of the lottery system of sequence number of payment that illustrates according to eighth embodiment of the invention;

Figure 23 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to eighth embodiment of the invention;

Figure 24 is the diagrammatic sketch based on the data stream of the lottery system of sequence number of payment that illustrates according to ninth embodiment of the invention;

Figure 25 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to ninth embodiment of the invention;

Figure 26 is the process flow diagram based on the data stream of the lottery system of sequence number of payment that illustrates according to tenth embodiment of the invention;

Figure 27 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of tenth embodiment of the invention;

Figure 28 and Figure 29 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to tenth embodiment of the invention;

Figure 30 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of eleventh embodiment of the invention;

Figure 31 is the block diagram that the structure of the payment/prize drawing management server according to eleventh embodiment of the invention is shown;

Figure 32 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to eleventh embodiment of the invention;

Figure 33 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to twelveth embodiment of the invention;

Figure 34 and Figure 35 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to thriteenth embodiment of the invention;

Figure 36 is the process flow diagram at the receipt of delivery companies based on the lottery system of sequence number of payment that illustrates according to fourteenth embodiment of the invention;

Figure 37 and Figure 38 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to fourteenth embodiment of the invention;

Figure 39 is the diagrammatic sketch based on the gift token that is used for the chain stores of the lottery system of sequence number of payment that illustrates according to fifteenth embodiment of the invention; And

Figure 40 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to fifteenth embodiment of the invention.

Embodiment

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to first embodiment of the invention.

Fig. 1 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of first embodiment of the invention.

With reference to Fig. 1, according to the lottery system based on sequence number of payment of this embodiment is the give a discount system of the following amount of money of payment with award-winner, and this amount of money is by providing at the amount of money sequence number of payment of each payment group in the card payment or when paying in cash generation and adding up to not that the certain ratio of award-winner's sales volume calculates.

In other words, this embodiment based on the lottery system of sequence number of payment client in various places such as chain stores or department store block payment or payment is categorized into not on the same group when paying in cash, and when using payment information, provide sequence number, automatically the certain numbering in the correspondence group be treated to award-winner thus and payment given a discount according to bonus at this payment of each payment group.

The control of this payment processes is undertaken by remote server basically.If the sequence number of remote server establishment processor is built in the payment terminal of chain stores, then payment can be classified into a plurality of groups and can carry out the sequence number establishment and handle according to the chain stores.

For this reason, in the lottery system based on sequence number of payment according to this embodiment, credit card CD can be used to serve as to buy certain commodity or serve as to use service to carry out amount of money payment based on its card number and card membership information with non-contact type card such as RF-IC card etc. or contact-type card such as forms such as magnetic card, IC-card.

In addition, card payment terminal A1-An is installed on a plurality of related chain stores such as credit card company, department store, large-scale discount commercial center and the various chain stores of distribution credit card.In this layout, each terminal can be identified in the information content that writes in the credit card and generate the payment signal so that the authentication of long-range electron gain.In addition, though commodity purchaser is paid in cash rather than use various cards such as credit card, cash card, debit card etc., terminal A1-An can import the signal manipulation of payment and request sequence number establishment service separately to comprise the buyer in prize drawing object provided by the invention.

In addition, terminal A1-An make a credit inquiry card card information in case buy commodity that payment sold by the related chain stores that these terminals are installed or situation that payment services are used under, it is earlier with the payment classification of credit card in groups.Then, if the card payment sequence number in target group is mated with the concrete sequence number that this embodiment is scheduled to, then to carry out the people of the payment of this concrete sequence number be award-winner to terminal recognition, and cross the transmission card number and sell details and come the execute card approval procedure at the card PayPal that deducts the remaining sum behind the bonus from payment.In addition, terminal shows on the screen of terminal in real time according to what the carrying out that blocks payment provided wins a prize or wins a prize, and prints relevant with it details.

At this moment, if commodity purchaser submission cash, then purchase with cash person's button of owner's selection card inquiry terminal A1-An of chain stores and input personal information and payment information.Under the situation of paying in cash, the disburser also is included in the prize drawing object according to the payment group.

In addition, the card payment terminal A1-An that provides in the chain stores etc. can be made of the independent card payment terminal of adding the PC function to the common credit card termination function.Under the situation of such card payment terminal, the owner of chain stores can be according to his or his wish provide the prize drawing service based on sequence number of payment voluntarily, and also can give gift or bonus in proper order according to client's presence of chain stores.

That is to say, if the chain stores provides sequence number establishment prize drawing service voluntarily, then block the storer that payment terminal A1-An should have the serial number information that is used to store each payment group, and have and be used to every payment to carry out the sequence number establishment prize drawing processor that the sequence number establishment is handled.

If the given credit card CD of commodity purchaser is the credit card by the distribution of non-corporate chains, then also implement by this way, in this mode, except its card number and sale details, personal information data etc. also are extracted and are included in the prize drawing object, perhaps are included in the prize drawing object in the mode identical with purchase with cash person.Therefore, utilize buyer's object not have specific limited according to the lottery system of this embodiment, but comprise purchase with cash person widely, the credit card buyer of affiliated company, the credit card buyer of non affiliated company, debit card buyer etc.

In addition, digital certificate server (ES) receives the card number of credit card and sells details by the data communication of carrying out via data network with the card inquiry terminal A1-An that installs in related chain stores, and the approval process of execute card credit inquiry transmission of Information and amount of money payment.

If digital certificate server ES is based on the payment information of creating when the user is used for card inquiry terminal A1-An with credit card, provide the card sequence number of payment of each group according to payment, and the sequence number that provides during with predetermined concrete sequence number coupling in real time the user of decision credit card be award-winner.In addition, it will send to award-winner about prize-winning result's information via data communication network, and it is one of the card inquiry terminal of card of making a credit inquiry.In same accompanying drawing, second database D B2 storage is used for the card number of the card approved for payment of user credit card, every consumption sum information checking and approving card and card information.

Simultaneously, be equipped with the source of fund of bonus in the prize drawing by adding up to certain ratio, and source of fund offered the buyer of concrete sequence number from each buyer's of corresponding chain stores the purchase amount of money.In this embodiment, can be according to every client's payment and differentially provide bonus more reasonably to divide to issue bonuses.

For example, if the client's who pays commodity payment is 250,000 won (Korea S's currency), then the present invention is based on the serial number information that is classified into 200,000 to 3000,000 won groups in the scope and carry out sequence number establishment prize drawing.At this moment, if provide the preset numbers of indicating sequence number of payment to client, then he or she can obtain than the more bonus of the situation of carrying out 150,000 won payments.That is to say, because client receives from the chain stores as the certain ratio of the consumption sum of the source of fund of bonus as 1% prize-winning reserve fund, if so laying in according to the payment scope separately as 100,000 won scope, 200,000 won scope, 300, carry out the client's who is used to draw a lottery sequence number of payment establishment under the state of every prize-winning reserve fund of 000 won scope etc. separately by group, the bonus that then is used for every payment is different.Therefore, the client of the many more commodity of purchase can obtain more bonuses.

In addition, financial payment server CBS1 is installed in total management center of the credit card company, department store of distribution credit card, large-scale discount commercial center, each chain stores etc., and based on the card number of checking and approving or not checking and approving and use when the payment of credit card of the credit card that sends from digital certificate server ES by value-added network (VAN) with sell detailed information and come to carry out authentication and card is paid as the buyer.

In addition, the amount of money Payment Request of the credit card that financial payment server CBS1 has in response to the user from digital certificate server ES and receive from each card inquiry terminal A1-An and to sell detailed information is for each user's credit card is confirmed payment and it is blocked payment.

Simultaneously, payment/prize drawing management server PSLMS accepts be given in the interior sequence number of payment of payment group of classification in advance, and decision to be won a prize or won a prize from card information that is installed on the card payment terminal A1-An in the chain stores and sale details.If buyer or disburser are decided to be award-winner, then server judges whether the publisher (for example credit card company, large-scale discount commercial center, department store etc.) of card is relevant with it.If publisher is relevant with server PS LMS, then the server PS LMS information of will winning a prize or win a prize sends to card payment terminal A1-An so that the payment of having got rid of bonus is paid.

At this moment, can will provide bonus to the payment of publisher (for example credit card company, large-scale discount commercial center, department store etc.) payment or the savings account by disburser that bonus is transferred accounts by reducing the buyer.Alternatively, can replace the supply bonus and give bonus with forms such as the reserve fund of chain stores, game currencies.

Fig. 2 is the diagrammatic sketch of describing according to first embodiment of the invention based on the sequence number of payment establishment state of the lottery system of sequence number of payment.Fig. 3 be describe according to first embodiment of the invention based in the lottery system of sequence number of payment according to the diagrammatic sketch of the sequence number establishment state of payment.

With reference to described accompanying drawing, server PS LMS is when the payment that the credit card that is had by the user carries out or when paying in cash, according to payment, by using the group of specifying each client at the serial number information of the group of classifying in advance, as shown in Figure 2, thus and determine that sequence number of payment in the corresponding group is to judge whether client is award-winner.

For example, earlier hypothesis is classified into 100,000 won groups, 200,000 won groups, 300 according to the group of payment, 000 won group etc., it is No. 5 that 100,000 won groups are made progress in sequence number of payment, 200, it is No. 9 that 000 won group is made progress in sequence number of payment, and 300,000 won groups to make progress in sequence number of payment be No. 2, and the client who is predetermined each No. 10, No. 20 and No. 30 sequence number of payment is award-winner.Under this hypothesis, if new client carries out the payment of 250,000 won commodity, then this client becomes award-winner, because he or she falls in No. 10 interior sequence number of payment of 200,000 won groups.In addition, each award-winner's source of fund is provided by the certain ratio that adds up to every sales volume, if therefore hypothesis adopts 1% of every sales volume, then 100, the bonus of 000 won group will be that 100,000 won * 1% * 9 people=9,000 are won to 199,990 won * 1% * 9 people=17,999 won.If prize-winning sequence number is No. 20, No. 40 and No. 60, then the bonus of corresponding group will be 18,000 to 35,998 won.That is to say that per 20 philtrums, one people's award-winner will obtain this bonus.

In addition, per 10 philtrums, one people be extracted into prize-winning numbering and the bonus of 200,000 won groups will for 200,000 won * 1% * 9 people=18,000 won to 299,990 won * 1% * 9 people=26,999 won.For example, if prize-winning sequence number is No. 20, No. 40 and No. 60, then the bonus of corresponding group will be 36,000 to 53,998 won.

Thereby, preferably be equipped with the chain stores of card inquiry terminal A1-An to supply the certain ratio that every bayonet lock is sold the amount of money, the feasible amount of money that obtains by the summation certain ratio is used as the source of fund of bonus.In addition, the owner of chain stores can carry out independent activity voluntarily.The object unit that can further increase the supply ratio of the source of fund that becomes bonus and can freely adjust prize-winning sequence number.

Therefore, by the lottery system that is provided by payment/prize drawing management server PSLMS is provided, the buyer can obtain commodity and need not payment.

In addition, just for the PSLMS server, bonus might be converted to free coupon or the gift token sold by the commodity purchasing place certainly, if credit card is by the card of commodity purchasing place such as department store or the distribution of large-scale discount commercial center then free coupon or gift token are provided.

In same accompanying drawing, the first database D B1 is according to comprising that card payment and the payment of paying in cash are come storage sets information and about the information of the sequence number of payment of each group.In addition, it is according to obtaining the situation of checking and approving that the disburser uses clubbable each user, making the membership information that is used for storing consumption sum information, storage award-winner, prize-winning serial number information and prize information according to card.In addition, the 3rd database D B3 stores card number and userspersonal information and stores payment information according to card number and payment chain stores information according to card number.

In addition, client can directly select any payment group at the prize drawing among the payment/prize drawing management server PSLMS.For example, if the payment that client carries out is 500,000 won, then he or she can obtain five sequence number of payment establishment services in 100,000 won groups.Therefore, the client who carries out 500,000 won payments compares with the client who carries out 100,000 won payments can five times prize-winning probability.

Fig. 4 is the block diagram that the structure of the payment/prize drawing management server according to first embodiment of the invention is shown.

With reference to Fig. 4, payment/prize drawing management server PSLMS comprises gateway, coupling part, authentication center (AUC), connection sense process device, group given processor, sequence number establishment execution processor, chain stores's cost settlement processor, data storage part and control module.

Among gateway (WEB, the WAP gateway) 2a to 2n each is used for and will mates by the data of Web network and wireless the Internet network transmission and the agreement of server PS LMS.The data that coupling part 4 is used for providing by gateway 2a to 2n are connected to the internal module of server PS LMS.

AUC 6 is processors, and whether this processor number authenticates this chain stores as MAC Address based on the sign (ID) of the card payment terminal A1-An of chain stores is related chain stores.Connect the connection status that sense process device 8a is used to check the card payment terminal A1-An of each chain stores.

In addition, group given processor 8b specifies the group of classification in advance according to the client's who sends from card payment terminal A1-An payment, wherein when the group of specifying when terminal A1-An applies payment information at concrete client's payment.

Specified under the state of group in group given processor 8b, the sequence number of payment that this group internal object client is provided according to the client's who provides from card payment terminal A1-An payment information processor 8c is carried out in the sequence number establishment.

The cost settlement processor 8d of chain stores settles accounts the amount of money that the card payment terminal A1-An of chain stores will pay by deducting bonus for client from payment.

ID number of the card payment terminal A1-An of each chain stores of data storage part 10 storage, and store related chain stores information according to ID number.In addition, it stores sequence number of payment establishment information and the storage prize-winning information at each group according to the payment group.

Simultaneously, control module 12 with chain stores's code, confirm by AUC 6 whether each chain stores is related chain stores, and confirms according to the sequence number of payment in the correspondence group whether each client is award-winner based on the payment information that provides from card payment terminal A1-An by gateway 2a-2n under the state of having specified according to the group of payment.

Now, function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to first embodiment of the invention are described with reference to the accompanying drawings particularly.

Fig. 5 and Fig. 6 show the process flow diagram based on the signal flow of the lottery system of sequence number of payment according to first embodiment of the invention.

The lottery system based on sequence number of payment of this embodiment has according to the card payment client and the client that pays in cash and comes classified signals stream, and wherein Fig. 5 shows the signal flow that is used to card payment client and Fig. 6 shows the client's that is used to pay in cash signal flow.

At first, Fig. 5 illustrates use by the process of paying with the credit card of the related financing corporation of payment/prize drawing management server PSLMS distribution.Server PS LMS is by being categorized into payment a plurality of groups of sequence number of payment establishment processing of carrying out at each client of each group.If card user is that the commodity purchasing amount of money or service usage charges are paid by credit card, then by among the card payment terminal A1-An in the commodity purchasing place or serve the card payment terminal that is equipped with in the chain stores and carry out amount of money payment.

At this moment, card payment terminal A1-An sends to server PS LMS via data communication network with the card number stored in the credit card and card information, Termination ID number and payment information.Then, server PS LMS provides the sequence number of payment after the last sequence number of payment in the group of classifying in advance based on card disburser's payment information.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is award-winner not, then it sends to card payment terminal A1-An with client's prize-winning information.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

In addition, financial payment server CBS1 sends to card payment terminal A1-An with client's payment information.Then, card payment terminal A1-An will export together with payment information from the prize-winning information that server PS LMS provides on receipt.

Otherwise if client is award-winner, then server PS LMS clearing are got rid of final payment behind the bonus from client's payment, and the information (prize information) of will winning a prize sends to card payment terminal A1-An.Then, the payment information that card payment terminal A1-An will get rid of bonus sends to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES will be used to ask the credit inquiry of card and the signal of card payment to offer financial payment server CBS1.

In addition, financial payment server CBS1 sends to card payment terminal A1-An with client's payment information.Then, card payment terminal A1-An will export together with payment information from the prize-winning information that server PS LMS sends on receipt.If have award-winner, then server PS LMS is updated to 0 with award-winner's sequence number of payment.

With reference to Fig. 6, server PS LMS is by being categorized into payment a plurality of groups of sequence number of payment establishment processing of carrying out at each group.Pay in cash if the cash user is the commodity purchasing amount of money or service usage charges, then the owner of chain stores utilizes card payment terminal A1-An to import payment information.Then, card payment terminal A1-An sends to server PS LMS with payment information and it ID number.

Then, server PS LMS provides the sequence number of payment after the last sequence number of payment in one of the group of classifying in advance according to payment unit based on the person's of paying in cash payment information.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is award-winner not, then it sends to card payment terminal A1-An with client's prize-winning information.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, card payment terminal A1-An comes output message data on receipt by will comprise message data in receipt.

Otherwise if client is award-winner, then server PS LMS clearing are got rid of final payment behind the bonus from client's payment, and the information (prize information) of will winning a prize sends to card payment terminal A1-An.Then, card payment terminal A1-An gives a discount payment based on the payment information of getting rid of bonus, and output comprises the receipt of prize-winning information and payment information.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to second embodiment of the invention.

Fig. 7 is a diagram according to the diagrammatic sketch based on the state of progress of the lottery system of sequence number of payment of second embodiment of the invention.

With reference to Fig. 7, the lottery system based on sequence number of payment of this embodiment is the system with award-winner's the following amount of money of payment discounting, this amount of money is by allowing client to select various prize-winning probability when card is paid or paid in cash, and decide award-winner according to prize-winning probability group by the sequence number establishment, obtain in the bonus that makes up the certain ratio of sales volume according to prize-winning probability.

In other words, the lottery system based on sequence number of payment of this embodiment is to allow client directly to select the system of prize-winning probability when payment.Here, prize-winning probability mean be in selecting one of 10 people group as award-winner, select one of 30 people as award-winner's group in or selecting one of 50 or 100 people to carry out the sequence number establishment in as award-winner's group.That is to say that prize-winning probability refers to selects the number that relates in the prize drawing object and according to selected number and different probability.For example, be award-winner's discount of 10% or lay in 10% the use amount of money for prize-winning probability.

This is, though the client's in the source of before award-winner, accumulating capital funds accumulation gold be less than award-winner the use amount of money 10%, client's accumulation gold almost is similar to bonus by the client who participates in sequence number establishment service is averaged to become.Therefore, method of the present invention is carried out sequence number establishment processing and therefore can be supplied bonus to award-winner.

In this system, provide the source of fund of bonus by accumulating the previous not certain ratio of prize-winning disburser's sales volume.Therefore, select among the 10 people group award-winner's (10% prize-winning probability) situation to be different from the situation of selecting award-winner (5% prize-winning probability) among the 20 people group.That is to say, to have among 20 people with the bonus of people's payment of the sequence number of default sequence number coupling greater than the bonus that among 10 people, has with people's payment of the sequence number of default sequence number coupling.More specifically, award-winner obtain more bonuses, and select award-winner among 20 people, and this shows the prize-winning probability lower than 10% sequence number establishment group.

In addition, among 10 people, select award-winner to have than among 20 people, selecting the prize-winning probability that award-winner are higher.

Simultaneously, the lottery system based on the customer payment sequence number of this embodiment mainly decides prize-winning probability according to following two types.One of them type will be described in following second embodiment, and another type will not described with reference to accompanying drawing hereinafter.

At first, in the lottery system of this embodiment based on sequence number of payment, one of type of the prize-winning probability of decision is this type of sequence number that in the prize drawing object number classification is provided when the payment in groups, then as mentioned above in the prize-winning probability group that payment selected by client among these groups, and another type is not consider these groups but determine prize-winning or prize-winning this type according to the prize-winning probability of being selected by the user according to client.

Particularly, in second type, sequence number award-winner is assumed under 0 state of putting as reference, a people under the situation that No. 10 sequence number is paid, if this disburser selects the prize-winning probability of 10 people then determines he or her to be award-winner, if selecting the prize-winning probability of 20 people, this disburser determine he or her to be award-winner not.In addition, if the disburser is award-winner not, then the disburser after this disburser becomes the o.11 sequence number of payment.Therefore, according to selected prize-winning probability, the disburser may be award-winner or may be award-winner not.If the disburser is award-winner not, only then add a sequence number of payment to determine next disburser's sequence number.

Aforesaid mode when payment according to prize-winning probability designated groups separately, and according to organizing the managing payment serial number information.Yet, be not that group at correspondence decides disburser's sequence number and is based on the sequence number that the sequence number of payment that is applied integrally determines the disburser with upper type, thereby make the management of disburser's sequence number become convenient.

Fig. 6 shows by selecting the first prize-winning probability to provide the mode of sequence number of payment, so it needs technical pattern identical to those shown in Fig. 1 realize this point.

That is to say, in the lottery system based on sequence number of payment of this embodiment, credit card is used to serve as to buy certain commodity or serve as to use service to carry out amount of money payment based on its card number and card membership information with the form of non-contact type card such as RF-IC card etc. or contact-type card such as magnetic card, IC-card etc.

In addition, card payment terminal A1-An is installed on a plurality of related chain stores such as credit card company, department store, large-scale discount commercial center and the various chain stores of distribution credit card.In this layout, each terminal can be identified in the information content, the generation that write in the credit card and pay signal so that long-range electron gain authenticates, and generates a prize-winning probability signal of being selected in the middle of the prize-winning probability of classification in advance by client.In addition, though commodity purchaser is paid in cash, terminal A1-An can import the signal manipulation of payment and request sequence number establishment service separately to comprise the buyer in prize drawing object provided by the invention.

In addition, the card information of card if terminal A1-An makes a credit inquiry is so that commodity or payment services that the purchase payment is sold by the related chain stores that described terminal is installed are used, and then its elder generation's selection according to the user when credit card is paid is classified payment according to prize-winning probability group.Then, if the sequence number of card payment in group and the concrete sequence number coupling predetermined according to embodiments of the invention, then to have the disburser of this concrete sequence number be award-winner to terminal recognition, and cross the transmission card number and sell details and come the execute card approval procedure at the card PayPal that deducts the remaining sum behind the bonus from payment.In addition, the prize-winning or prize-winning information that provides according to the carrying out that blocks payment is provided on its screen terminal in real time, and prints relevant with it details.

At this moment, if commodity purchaser submission cash, then the purchase with cash person's button on owner's selection card inquiry terminal A1-An of chain stores and input personal information and payment information.Then, even under the situation of paying in cash, preferably the disburser is included in the prize drawing object according to the selected prize-winning probability group of client.

That is to say, if the chain stores provides prize drawing service as they self activity based on sequence number of payment, then block payment terminal A1-An and should have and be used for storing the storer of serial number information, and also have and be used to every payment to carry out the sequence number establishment processor of sequence number establishment according to the selected prize-winning probability group of client.

If the credit card that commodity purchaser provided is the credit card by non affiliated company's distribution, then also design by this way, in this mode, except card number and sale details, personal information data etc. also are extracted and are included in the prize drawing object, perhaps are included in the prize drawing object in the mode identical with purchase with cash person.Therefore, utilize buyer's object not have specific limited according to the lottery system of this embodiment, but comprise purchase with cash person widely, the credit card buyer of affiliated company, the credit card buyer of non affiliated company, debit card buyer etc.

In addition, digital certificate server ES receives the card number of credit card and sells details by data communication that carry out via data network and each card inquiry terminal A1-An that install in related chain stores, and the approval process of execute card credit inquiry transmission of Information and amount of money payment.

In addition, if digital certificate server ES provides the card sequence number of payment of selected each the prize-winning probability group of client based on the payment information of creating when the user is used to card inquiry terminal A1-An with credit card, and the sequence number that provides during with predetermined concrete sequence number coupling the corresponding credit card of decision and predetermined rank order be award-winner.In addition, it will send to the card inquiry terminal of the described credit card of inquiry about prize-winning result's information via data communication network, and described credit card is award-winner.In same accompanying drawing, second database D B2 storage is used for the card number of the card approved for payment of the credit card that the user has, consumption sum information and the card information that each checks and approves card.

At this moment, the amount of money of the certain ratio of the purchase gold that produces by a plurality of buyers that add up to from corresponding chain stores is equipped with the source of fund of bonus, and source of fund is offered the buyer with predetermined rank order.In this embodiment, can differentially provide bonus more reasonably to divide according to the selected prize-winning probability of client and issue bonuses.

For example, if the client who pays selects prize-winning probability 10, then the present invention adds up to the certain ratio of the sales volume that is produced by 10 disbursers, then it is offered award-winner.Compare with the disburser who selects prize-winning probability 20, but the disburser of the prize-winning probability 10 of selection will accept less bonus have higher prize-winning probability.

In addition, financial payment server CBS1 is installed in total management center etc. of the credit card company, department store of distribution credit card, large-scale discount commercial center, various chain storess.It based on when the Credit Card Payments by VAN from checking and approving of sending of digital certificate server ES or approval information and card number, sale detailed information are not carried out buyer's authentication and card payment.

In addition, the amount of money Payment Request of the credit card that financial payment server CBS1 has in response to the user from digital certificate server ES and receive from card inquiry terminal A1-An and to sell detailed information is for each user's credit card is confirmed payment and it is blocked payment.

Simultaneously, payment/prize drawing management server PSLMS accepts card information and sale details and the selected prize-winning probabilistic information of client that the card payment terminal A1-An from be installed on the chain stores provides, be given in the sequence number of payment in each group of classifying in advance, and whether the decision client is award-winner according to prize-winning probability.If buyer or disburser are decided to be award-winner, then server PS LMS judges whether the publisher (for example credit card company, large-scale discount commercial center, department store etc.) of card is relevant with it.If publisher is relevant with server PS LMS, then the server PS LMS information of will winning a prize or win a prize sends to card payment terminal A1-An, so that the payment of having got rid of bonus is paid.

Now, describe particularly with reference to the accompanying drawings according to as the function and the operation of passing through chain stores's payment terminal of the second embodiment of the invention of above-mentioned structure based on the lottery system of sequence number of payment.

Fig. 8 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to second embodiment of the invention.

At first, server PS LMS carries out sequence number establishment processing according to the selected prize-winning probability group of client.If card user by his or his credit card be that the commodity purchasing amount of money or service usage charges are paid, then by among the card payment terminal A1-An in the commodity purchasing place or serve the card payment terminal that is equipped with in the chain stores and carry out amount of money payment.

At this moment, card payment terminal A1-An sends to server PS LMS via data communication network with the card number stored in the credit card and card information, Termination ID number, payment information and the selected prize-winning probabilistic information of client.Then, server PS LMS provides the sequence number of payment after the last sequence number of payment in the group of classifying based on the selected prize-winning probabilistic information of card disburser.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is award-winner not, then it not the information of winning a prize send to card payment terminal A1-An.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

In addition, financial payment server CBS1 sends to card payment terminal A1-An with client's payment information.Then, card payment terminal A1-An will export with payment information from the prize-winning information that server PS LMS provides on receipt.

Otherwise if client is award-winner, then server PS LMS settles accounts from client's payment based on the prize information of each group and gets rid of final payment behind the bonus, and the information of will winning a prize (award bonus information) sends to card payment terminal A1-An.

For example, if be award-winner of 20 philtrums by selecting 5% prize-winning probability to decide client, then PSLMS judges that client's the use amount of money, the certain ratio of the use amount of money that adds up to 20 people and the amount of money that decision added up to are as bonus.Therefore, even in same prize-winning probability group, the given bonus of server PS LMS is according to client's the use amount of money and difference.Conclusion is that this causes boosting consumption and finally causes the Economic Stimulus effect.

Then, the payment information that card payment terminal A1-An will get rid of bonus sends to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES will be used to ask the credit inquiry of card and the signal of card payment to offer financial payment server CBS1.

In addition, financial payment server CBS1 sends to card payment terminal A1-An with client's payment information.Then, card payment terminal A1-An will export with payment information from the prize-winning information that server PS LMS sends on receipt.If have award-winner, then server PS LMS is updated to 0 with award-winner's sequence number of payment.

Simultaneously, though it is not shown in the drawings, but do not have according to client under the state of selected prize-winning probability to group categories at server PS LMS, if carry out prize drawing based on sequence number of payment according to prize-winning probability, then server PS LMS handles to judge whether the disburser is award-winner by sequence number of payment establishment, and it is payment information and prize-winning probabilistic information to provide from terminal A1-An that described sequence number of payment establishment is handled.

In other words, sequence number of payment award-winner is assumed under 0 state of putting as reference, if a disburser pays with No. 10 sequence number, if this disburser selects 10 people to organize prize-winning probability then determines he or her to be award-winner, if selecting 20 people to organize prize-winning probability, this disburser determine he or her to be award-winner not.In addition, if the people who pays is award-winner not, then the disburser after this disburser becomes the o.11 sequence number of payment.Therefore, according to the prize-winning probability that the disburser selects, he may be award-winner or may be award-winner not.If the disburser is award-winner not, then increase only sequence number of payment, this sequence number of payment determines next disburser's sequence number of payment.

At award-winner's number not is under 99 the situation, if the disburser selects 10 people to organize prize-winning probability (10% discount probability), disburser's sequence number of payment is to be decided to be No. 100 of award-winner.In this case, give award-winner the use amount of money 10% as bonus.At this moment, server PS LMS is by considering that award-winner's number not is that 99 the fact is carried out information updating and handled.

If the people who pays selects 50 people to organize prize-winning probability (50% discount probability), disburser's sequence number of payment also is No. 100 and therefore is decided to be award-winner.And give award-winner the use amount of money 50% as bonus.At this moment, server PS LMS is by considering that award-winner's number not is that 50 the fact is carried out information updating and handled.

Simultaneously, the present invention can make up aforesaid first and second embodiment.For example, the present invention can set up such system, this system classifies separately to group according to the selected prize-winning probability of client in the group according to client's payment, handle by the sequence number establishment of paying and to decide award-winner, and be provided to the reserve fund that accumulated till occurring before the award-winner as bonus.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to third embodiment of the invention.

Fig. 9 is the block diagram according to the structure of the server PS LMS of third embodiment of the invention.

With reference to Fig. 9, the lottery system based on sequence number of payment that passes through chain stores's payment terminal of this embodiment is such system, this system presets the various prize-winning probability integral that will expect as client's serial number information when payment in server PS LMS, make it can need not independent client and select signal when paying, to extract default various probability group information automatically, and carry out the sequence number establishment by serial number information.

In other words, prize-winning probability integral is used for selecting voluntarily by this way prize-winning probability by client, in this mode,, then be considered as not award-winner and the 10th disburser be considered as award-winner bonus is provided by 9 people that will pay in advance if client selects 10% prize-winning probability integral.At this moment, if the selected prize-winning probability integral of client is 10%, then discount or accumulation client use the amount of money 10% as bonus.

At this moment, the owner of chain stores provides by the source of fund of the certain ratio of the previous sales volume of agreeing of payment client (for example 1%, 2% etc.) as bonus.Server PS LMS utilizes source of fund to provide bonus to award-winner.Whether therefore, though in 10% prize-winning product of probability grouping, among 10 people, only have award-winner, supply bonus by being accumulated in before the award-winner 9 people's reserve fund to the 10th award-winner.But,, on average use the certain ratio of the amount of money to become average accumulation reserve fund by calculating the average use amount of money, on average accumulating the amount of money and the average paid amount of money of bonus.At this moment, on average accumulating reserve fund is used as the source of fund of bonus and offers award-winner.

Thereby server PS LMS need not independent client by the default prize-winning product of probability grouping information of the automatic extraction of client's serial number information and selects signal when customer payment, carry out the sequence number establishment then.In this way, client does not carry out any independent selection, therefore facilitates to client.

For this reason, in the lottery system that passes through chain stores's payment terminal of this embodiment based on sequence number of payment, client PC PC1-PCn (seeing Figure 13) is provided,, just has been used for the selection information of sequence number of payment establishment so that client registers prize-winning probability integral information in advance in server PS LMS.

In addition, provide server PS LMS in order to register serial number information (prize-winning probability integral) at each client from client PC PC1-PCn, decide award-winner by extracting client's the serial number information of registering in advance according to the payment signal that sends from the terminal A1-An of chain stores and in prize-winning product of probability divides into groups, automatically performing the sequence number establishment, and the information in order to bonus to be provided or to carry out the discount payment is provided.

As shown in same accompanying drawing, server PS LMS is made up of gateway, coupling part, authentication center (AUC), connection sense process device, group given processor, sequence number establishment processor, chain stores's cost settlement processor, client's sequence number establishment processor, data storage part and control module.

Each gateway (WEB, WAP gateway) 2a to 2n is used for and will mates by the data of Web network and wireless the Internet network transmission and the agreement of server PS LMS.Coupling part 4 will be in order to will be connected to the internal module of server PS LMS by the data that gateway 2a to 2n provides.

AUC 6 is processors, whether this processor authenticates the chain stores based on ID number of the card payment terminal A1-An of each chain stores as MAC Address is related chain stores, and which client perhaps authenticates client according to the Customer Information that sends from client PC PC1-PCn is.Connect the connection status that sense process device 8a is used to check the card payment terminal A1-An and the client PCPC1-PCn of each chain stores.

In addition, group given processor 8b specifies the group of classification in advance according to the client's who sends from card payment terminal A1-An payment, wherein specifies the group corresponding with payment when applying concrete client's payment information from terminal A1-An.

Specified in organizing given processor 8b under the state of group, the sequence number of payment that processor 8c decides client in the group according to payment information and the default serial number information of client (prize-winning probability integral) from the client who blocks payment terminal A1-An is carried out in the sequence number establishment.

The cost settlement processor 8d of chain stores settles accounts the amount of money that the card payment terminal A1-An of chain stores will pay by deducting bonus for client from payment.Selected prize-winning product of probability grouping when client's sequence number establishment processor 8e is registered in client and is connected to it via Web network utilisation client PC PC1-PCn.When with after-applied payment signal, its extracts the prize-winning probability integral information of being registered in advance by client, makes to carry out the sequence number establishment in the prize-winning product of probability grouping of correspondence.

ID number of the card payment terminal A1-An of the corresponding chain stores of data storage part 10 storage, and store related chain stores information according to ID number.In addition, it stores sequence number of payment information according to the payment group, at the prize-winning information of each group storage, and stores the various prize-winning probability integral information of being registered in advance by client.

Simultaneously, control module 12 with chain stores's code, confirm by AUC 6 whether each chain stores is related chain stores, and confirms that according to the sequence number of payment in the correspondence group each client is award-winner or award-winner not based on the payment information that provides from card payment terminal A1-An by gateway 2a-2n under having specified according to the state of the group of payment.In addition, the prize-winning probability integral information that its registration is selected in advance by client, and with after-applied payment signal the time, extract the prize-winning probability integral information of registration in advance, make and can in the prize-winning product of probability grouping of correspondence, finish the sequence number establishment.

Now, function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to third embodiment of the invention are described with reference to the accompanying drawings particularly.

Figure 10 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to third embodiment of the invention.

At first, server PS LMS classifies sequence number of payment separately according to the selected prize-winning probability group of client, and carries out client's sequence number establishment processing at each group.If card user is that the commodity purchasing amount of money or service usage charges are paid by credit card, then by among the card payment terminal A1-An in the commodity purchasing place or serve the card payment terminal that is equipped with in the chain stores and carry out amount of money payment.At this moment, client can be provided with prize-winning product of probability grouping information via the Web network in advance in server PS LMS.Therefore, server PS LMS can the prize-winning product of probability grouping information based on the client who wherein registers in advance automatically perform the sequence number establishment when payment, and need not to generate independent selection signal.

At this moment, card payment terminal A1-An sends to server PS LMS via data communication network with the card number stored in the credit card and card information, Termination ID number and payment information.Then, server PS LMS can be by carrying out sequence number establishment about card disburser's information with the prize-winning product of probability grouping information of extracting registration in advance from the DB search.

Thereby, if client can register and be provided with prize-winning product of probability grouping information in advance in server PS LMS via the Web network, though then client generates independent selection signal by the terminal A1-An of chain stores, server PS LMS can carry out the sequence number establishment by automatically extract the prize-winning product of probability grouping information that client registers in advance when paying.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then it sends to card payment terminal A1-An with client's not prize-winning information.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

If by selecting 5% prize-winning probability decision client is award-winner of 20 philtrums, then PSLMS uses the certain ratio of the amount of money as bonus according to the use amount of money of its client's who applies payment information being judged client and calculating.Therefore, even in same prize-winning probability group, the bonus that server PS LMS gave is according to client's the use amount of money and difference.As a result, this causes consumption to promote and finally causes the Economic Stimulus effect.

Then, the payment information that card payment terminal A1-An will get rid of bonus sends to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES produces and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

Simultaneously, though it is not shown in the drawings, but do not have under the state that selected prize-winning probability is classified to group according to client at server PS LMS, if carry out prize drawing based on sequence number of payment according to prize-winning probability, then server PS LMS handles to judge whether the people who pays is award-winner by the sequence number of payment establishment, and described sequence number of payment establishment processing is based on payment information and the prize-winning probabilistic information that provides from terminal A1-An, carries out according to prize-winning probability.

In other words, sequence number of payment award-winner is assumed under 0 state of putting as reference, if a disburser pays with No. 10 sequence number, if this disburser selects 10 people to organize prize-winning probability then he or she is decided to be award-winner, he or she is decided to be not award-winner if this disburser selects 20 people to organize prize-winning probability.In addition, if the disburser is award-winner not, then the disburser after this disburser becomes the o.11 sequence number of payment.Therefore, according to the selected prize-winning probability of disburser, he may be award-winner or may be award-winner not.If the disburser is award-winner not, then increase only sequence number of payment, this sequence number of payment determines next disburser's sequence number of payment.

At award-winner's number not is under 99 the situation, if the people who pays selects 10 people to organize prize-winning probability (10% discount probability), disburser's sequence number of payment is to be decided to be No. 100 of award-winner.In this case, give award-winner the use amount of money 10% as bonus.At this moment, server PS LMS is by considering that award-winner's number not is that 90 people's the fact is carried out information updating and handled.

In same mode, if the disburser selects 50 people to organize prize-winning probability (50% discount probability), disburser's sequence number of payment also is to be decided to be No. 100 of award-winner.And give award-winner the use amount of money 50% as bonus.At this moment, server PS LMS is by considering that award-winner's number not is that 50 people's the fact is carried out information updating and handled.

Simultaneously, the present invention can shared first and second embodiment.For example, the present invention can set up such system, this system classifies separately to group according to the selected prize-winning probability of client in group according to client's payment, decide award-winner by carrying out the sequence number of payment establishment, and be provided to the reserve fund that accumulated till occurring before the award-winner as bonus.

Figure 11 is that the client based on the lottery system of sequence number of payment who illustrates according to fourth embodiment of the invention selects signal to generate the diagrammatic sketch of state.

In Figure 11, be such system according to the lottery system of this embodiment based on sequence number of payment, this system allows payment client to select bonus payment reserve, discount and monthly payment plan free of interest compensation as bonus.That is to say that when client paid, he or she can select various types of bonus supplies.Under the deposit and the situation of discount, the probability of winning a prize is low and its amount of money is big.In addition, under serial situation free of interest, the monthly payment plan expense is provided by the source of fund of laying among the server PS LMS, and therefore compares relative will lacking with bonus, and it has higher prize-winning probability.

Deposit and discount have been described in other embodiments, and therefore relevant with it specific descriptions here will be omitted.Hereinafter will be about describing present embodiment as the monthly payment plan free of interest of prize-winning supply form.

Under serial situation free of interest, server PS LMS combines the processor (not shown) of the sequence number that is used to provide monthly payment plan group free of interest therein, and wherein the group information of classification is provided by this processor in advance.

That is to say, when the information of selecting serial client free of interest and payment information are sent to server PLSMS, server PS LMS provides each client's sequence number, among the client who selects monthly payment plan free of interest and pay, determine each to decide one of client, and provide monthly payment plan service conduct free of interest for prize-winning compensation to award-winner as award-winner.

At this moment, server PS LMS will be categorized into separately through the payment client of sequence number establishment and be used for serial a plurality of groups free of interest.For example, described a plurality of groups comprise monthly payment plan free of interest in 3 months, monthly payment plan free of interest in 5 months and monthly payment plan free of interest in 12 months.According to payment client's selection, be given in the sequence number in the corresponding group.For example, select 3 months serial clients free of interest to be classified in same group, and in this case, one of per 3 people are decided to be award-winner.In addition, select 5 months serial clients free of interest to be classified in same group, and in this case, one of per 5 people are decided to be award-winner.Similarly, select 12 months serial clients free of interest to be classified in same group, and in this case, one of per 12 people are decided to be award-winner.

In this system, the owner of chain stores provides the certain ratio of sales volume by the payment customer payment to server PS LMS.Server PS LMS makes and can pay credit card company by monthly payment plan free of interest for the monthly payment plan expense that the payment commodity that client paid generate by carrying out the cost clearing with getting in touch of credit card company.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to fourth embodiment of the invention.

Figure 12 shows the process flow diagram based on the signal flow of the lottery system of sequence number of payment according to fourth embodiment of the invention.

At first, server PS LMS classifies separately to the selected monthly payment plan information free of interest of client and free of interest group, and organizes the sequence number of payment that provides in this group by automatic extraction when customer payment.If card user is that the commodity purchasing amount of money or service usage charges are paid by credit card, then by among the card payment terminal A1-An in the commodity purchasing place or serve the card payment terminal that is equipped with in the chain stores and carry out amount of money payment.

At this moment, card payment terminal A1-An sends to server PS LMS via data communication network with the card number stored in the credit card and card information, Termination ID number, payment information and the selected monthly payment plan information free of interest of client.Then, server PS LMS provides the sequence number of payment after the last sequence number of payment in the group of classifying according to the selected monthly payment plan information free of interest of card disburser.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is award-winner not, then it sends to card payment terminal A1-An with client's prize-winning information.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 2, and this is award-winner's a numbering formerly.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

In addition, financial payment server CBS1 sends to card payment terminal A1-An with client's payment information.Then, card payment terminal A1-An will export with payment information from the prize-winning information (monthly payment plan information free of interest) that server PS LMS provides on receipt.

Otherwise if client is award-winner, then server PS LMS sends to card payment terminal A1-An by the prize-winning information of the monthly payment plan free of interest of using each group with client's payment information and prize-winning information (prize information).

Then, card payment terminal A1-An sends to digital certificate server ES with payment information together with the prize-winning information of monthly payment plan free of interest, to check and approve request by credit inquiry.Digital certificate server ES will be used to ask credit inquiry, card payment and serial signal free of interest of card to offer financial payment server CBS1.

In addition, financial payment server CBS1 carries out monthly payment plan free of interest to be handled, and the payment information with client sends to card payment terminal A1-An simultaneously.Then, card payment terminal A1-An will export with payment information from the prize-winning information (monthly payment plan information free of interest) that server PS LMS sends on receipt.If have award-winner, then server PS LMS is updated to 0 with award-winner's sequence number of payment.

Simultaneously, though not shown in the drawings, server PS LMS allows client to select more concrete monthly payment plan information free of interest via the card payment terminal A1-An that is equipped with in the chain stores.That is to say, server PS LMS with group categories free of interest become 3 months free of interest group, 5 months free of interest group, 12 months free of interest group, wherein in the selected group by stages free of interest of client, carry out sequence number establishment.

For example, select 3 months serial clients free of interest to be classified in same group, and in this case, one of per 3 people are decided to be award-winner.In addition, select 5 months serial clients free of interest to be classified in same group, and in this case, one of per 5 people are decided to be award-winner.Similarly, select 12 months serial clients free of interest to be classified in same group, and in this case, one of per 12 people are decided to be award-winner.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to fifth embodiment of the invention.

Figure 13 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of fifth embodiment of the invention.

With reference to Figure 13, the lottery system based on sequence number of payment according to this embodiment is such system, even during at the online shopping center and by movement station and ARS payment, this system decides concrete award-winner by the sequence number of payment that provides in the group at the merchandise sales amount of money or the selected prize-winning probability of client, payment is given a discount, and by making client oneself select prize-winning probability to decide the size of each group.

Hereinafter will only describe about such system, this system carries out sequence number of payment establishment in each group according in the heart the merchandise sales amount of money in the online shopping.Mentioned movement station and ARS payment and worked out processing, so its details here will be omitted according to the sequence number of payment of prize-winning probability.

For this reason, the lottery system based on sequence number of payment of this embodiment is equipped with key button and the Web browser that is used to generate payment signal, attested authentication information etc.In addition, this system comprises: PC PC1-PCn has the communication module that is used for long-range transmission information needed; And on-line payment server PS 1-PSn, be arranged in the online shopping in the heart, receive the Payment Request signal from disburser PC PC1-PCn, commodity payment information is sent to disburser PC PC1-PCn, and pay by the process payment (not shown) that wherein provides.

In addition, the lottery system based on sequence number of payment of this embodiment has financial server CBS1, and this financial server CBS1 carries out the card payment processes of the commodity amount of money based on the payment information that sends from disburser PCPC1-PCn by on-line payment server PS 1-PSn.

In addition, the lottery system based on sequence number of payment of this embodiment also has server PS LMS, the online shopping center ID information that this server PS LMS obtains payment information and disburser's information, provides in advance from on-line payment server PS 1-PSn, provide the interior sequence number of payment of payment group of classification in advance, and whether the decision client is award-winner.The sequence number of payment information of the payment group that the first database D B1 storage that comprises among the server PS LMS is classified in advance, online shopping center ID information, award-winner's information etc.

Now with reference to accompanying drawing function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to fifth embodiment of the invention are described particularly.

Figure 14 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to fifth embodiment of the invention.

At first, server PS LMS specifies the respective pay amount of money and be categorized in a plurality of amount of money units group, provide sequence number of payment, and be connected to by disburser PC PC1-PCn online shopping center disburser and generate the payment signal under the state of on-line payment server PS 1-PSn at each group.

Then, on-line payment server PS 1-PSn sends to server PS LMS ID number by data communication network with disburser's payment information and the online shopping center that provides in advance.Server PS LMS provides the sequence number of payment after the last sequence number of payment in the group of classifying in advance according to card disburser's payment information.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then it not the information of winning a prize send to on-line payment server PS 1-PSn.For example, server PS LMS is as follows to the on-line payment server PS 1-PSn data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, the on-line payment server PS 1-PSn not information of winning a prize sends to disburser PC PC1-PCn.

In addition, the signal that on-line payment server PS 1-PSn generation is used to ask the credit inquiry of card and block payment is to financial server CSB1.The financial server CSB1 person's of paying card payment processes, and client's payment information sent to on-line payment server PS 1-PSn.Then, on-line payment server PS 1-PSn will send to disburser's server PC1-PCn with payment information from the prize-winning information that server PS LMS provides so that in its this information of screen output.

Otherwise if client is award-winner, then server PS LMS clearing are got rid of final payment behind the bonus from client's payment, and the information (prize information) of will winning a prize sends to on-line payment server PS 1-PSn.Then, on-line payment server PS 1-PSn will get rid of the payment information of bonus asks the credit inquiry of card and the signal of payment to send to financial server CBS1 together with being used to.

In addition, financial payment server CBS1 sends to on-line payment server PS 1-PSn with client's payment information.Then, on-line payment server PS 1-PSn will send to disburser PC PC1-PCn with payment information from the prize-winning information of server PS LMS so that export this information on its screen.If have award-winner, then server PS LMS is updated to 0 with award-winner's sequence number of payment.

Figure 15 and Figure 16 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to fifth embodiment of the invention.

At first, Figure 15 and Figure 16 are the process flow diagrams of describing the payment client's who passes through ARS sequence number compilation process.Owing to comprise that the ARC of home shopping buys client or Web purchase client does not have off-line directly to buy commodity, have the commodity of checking image that send by TV or PC but buy, so high sales return ratio is arranged.

Therefore, under the situation of returning goods, since need at when payment by the chain stores provide as the certain ratio of the sales volume of the source of fund of bonus and surrender value is settled accounts to the chain stores and to this, so be difficult to provide sequence number establishment service of the present invention to the client that might return goods.Therefore, need to get rid of the sequence number establishment service of returning goods possible.This will describe with reference to Figure 15 and Figure 16 hereinafter particularly.

At first, Figure 15 described as for return of goods number of times greater than based on the moon or year client's the punishment of reference number of times, sequence number establishment service was not provided in this middle of the month.

More specifically, server PS LMS specifies the respective pay amount of money and be categorized in a plurality of amount of money units group, provide customer payment sequence number, and be in and purchase under the state that the telephone terminal (not shown) of the disburser of commodity by the disburser be connected to on-line payment server PS 1-PSn by generating the payment signal in order to the personal information that receives commodity via the ARS input at each group.

Then, on-line payment server PS 1-PSn sends to server PS LMS ID number by data communication network with disburser's payment information, buyer's personal information and the home shopping center that provides in advance.Server PS LMS compares according to card disburser's payment information and return of goods information that personal information is extracted client and with itself and reference number information.

If payment returned work number of times is more than pre-determined number, returned goods reference number of times in promptly one month, then the PSLMS server for can not obtaining the client of sequence number establishment service in this middle of the month, and generates the impossible information of sequence number establishment service with customer classification.If the returned work number of times is below moon reference number of times, then the PSLMS server provides the sequence number of payment after the last sequence number of payment in the group of classification in advance based on the people's who blocks payment payment information.

In this way, server PS LMS can the real-time confirmation client be award-winner or the impossible client of sequence number establishment service.If client be sequence number establishment service can not client but be award-winner not, then server PS LMS will send to on-line payment server PS 1-PSn about client's the information of winning a prize.For example, server PS LMS is as follows to the on-line payment server PS 1-PSn data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, on-line payment server PS 1-PSn sends to disburser's telephone terminal (not shown) by the ARS information (perhaps sequence number establishment service can not information) of will not winning a prize as voice.

In addition, the signal that on-line payment server PS 1-PSn generation is used to ask the credit inquiry of card and block payment is to financial server CSB1.The financial server CSB1 person's of paying card payment processes, and client's payment information sent to on-line payment server PS 1-PSn.Then, on-line payment server PS 1-PSn will send to disburser's telephone terminal from the prize-winning information of server PS LMS (perhaps sequence number establishment service can not information) by ARS as voice with payment information.

Otherwise, if client is the possible people of sequence number establishment service and is award-winner, then server PS LMS clearing are got rid of final payment behind the bonus from client's payment, and will win a prize information (prize information) as the telephone terminal of voice output to the disburser by ARS.Then, on-line payment server PS 1-PSn will get rid of the payment information of bonus asks the credit inquiry of card and the signal of payment to send to financial server CBS1 together with being used to.

In addition, financial payment server CBS1 sends to on-line payment server PS 1-PSn with client's payment information.Then, on-line payment server PS 1-PSn will arrive disburser's telephone terminal from the prize-winning information of server PS LMS by ARS as voice output with payment information.If have award-winner, then server PS LMS is updated to 0 with award-winner's sequence number of payment.

Then, Figure 16 described the return of goods phase of purchasing commodity of being in expire after or after client receives commodity and sends the purchase decision signal, provide sequence number of payment to work out service method to buying client.

At first, as shown in the same accompanying drawing, after expiring, the return of goods phase of purchasing commodity for being in provide the process of sequence number of payment establishment service to be described to buying client.

Server PS LMS specifies the respective pay amount of money and be categorized in a plurality of amount of money units group, provide customer payment sequence number, and the telephone terminal of the disburser that purchases commodity of being in by the disburser is connected under the state of on-line payment server PS 1-PSn by generating the payment signal via the ARS input in order to the personal information that receives commodity at each group.

Then, on-line payment server PS 1-PSn sends to server PS LMS by data communication network with disburser's payment information, buyer's personal information, home shopping center ID number that provides in advance and about the information of the phase of returning goods.Server PS LMS specifies client's the follow-up sequence number of payment establishment may the date, and produces the sequence number that may date and time information be associated with the sequence number of payment establishment according to payment information, personal information and about the information of return of goods phase of card disburser.Subsequently, server PS LMS may date and time information register sequence number together with Customer Information and sequence number of payment establishment.

In addition, server PS LMS provides sequence number and sequence number of payment establishment possibility date and time information to on-line payment server PS 1-PSn.Then, on-line payment server PS 1-PSn carries out payment processes and by ARS the sequence number of payment establishment may be arrived disburser's telephone terminal by date and time information as voice output with payment information by client's credit card.

At this moment, when client proceeds to the sequence number that Web connects or ARS connects and input provides in advance of server PS LMS when sequence number of payment establishment service may arrive on the date, server PS LMS extracts client's the personal information and the payment information of registration in advance according to sequence number, and carries out group categories based on payment information according to payment.

In addition, server PS LMS decides by the sequence number of payment establishment service of carrying out in the corresponding group whether client is award-winner.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then it by ARS will not win a prize information as voice output to disburser's telephone terminal or send it to client's PC so that with its output.

Otherwise, if client is award-winner, then server PS LMS by the credit number that utilizes client generate the bonus payment reserve request signal to financial server CBS1 with the deposit bonus.

Though not shown in the accompanying drawings, use description to after client receives commodity and generates the purchase decision signal, provide sequence number establishment service method hereinafter.

At first, server PS LMS specifies the respective pay amount of money and be categorized in a plurality of amount of money units group, provide customer payment sequence number, and the telephone terminal of the disburser who purchases commodity in certain family by the disburser is connected under the state of on-line payment server PS 1-PSn by generating the payment signal via the ARS input in order to the personal information that receives commodity at each group.

Then, on-line payment server PS 1-PSn sends to server PS LMS by data communication network with disburser's payment information, buyer's personal information, home shopping center ID number that provides in advance and the phase information of returning goods.Server PS LMS issues the sequence number that is associated with card disburser's payment information, and sequence number is registered together with Customer Information.

In addition, server PS LMS provides sequence number information to on-line payment server PS 1-PSn.Then, on-line payment server PS 1-PSn carries out payment processes by client's credit card, and sequence number information is arrived disburser's telephone terminal by ARS as voice output with payment information.

At this moment, when the purchase decision signal that is carrying out the Web connection or using ARS to generate commodity by telephone terminal after client is receiving commodity arrived on-line payment server PS 1-PSn, on-line payment server PS 1-PSn sent to server PS LMS with client's purchase decision signal.

After this, when client proceeds to the sequence number that Web connects or ARS connects and input provides in advance of server PS LMS, server PS LMS extracts personal information, payment information and the commodity purchasing decision information of client's registration in advance according to sequence number, and carries out group categories based on payment information according to payment.

In addition, server PS LMS decides by the establishment of the sequence number of payment in organizing service whether client is award-winner.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to sixth embodiment of the invention.

Figure 17 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of sixth embodiment of the invention.

With reference to Figure 17, the lottery system based on sequence number of payment of this embodiment is such system, financial payment incident such as deposit, installment savings, loan when taking place, remitting money, go into to protect etc. in this system, generate the certain ratio that numbering is aggregated in the service fee that takes place when financial products are sold by each financing corporation according to corresponding incident, determine concrete incident sequence number to be award-winner at each merchandise sales amount of money group, and interest, various service fee, loan principal or insurance slip are given a discount.

Under the situation of loan (perhaps capital), this embodiment based on the lottery system of sequence number of payment can by according to the amount of the loan to loan interest rate with loan principal divides into groups and provide when loan takes place according to the sequence number in each group of amount of the loan unit's classification, readjust loan interest rate and loan principal, to determine award-winner thus.

In this case, the lottery system based on sequence number of payment of this embodiment has: financial payment server CBS1-CBSn generates loan and will provide a loan merchandise sales signal and amount of the loan information send to remote server PSLMS from it; And server PS LMS, the ID of the financing corporation information that it receives amount of the loan information, loan application information and provide in advance from financial payment server CBS1-SBCn, provide the sequence number in each group of classifying in advance according to amount of the loan unit, decision is prize-winning or not prize-winning, carries out the discount settlement process according to preassigned interest discount rate of financing corporation or loan principal discount rate.

In addition; under the situation of insurance; this embodiment can come will go into separately the premium discounting by going into the premium grouping and going into to protect or insurance slip provides when transferring accounts according to the sequence number in each group of sum of insurance unit's classification to determine award-winner thus based on the lottery system of sequence number of payment.

In this case, the lottery system based on sequence number of payment of this embodiment has: insurance company server (not shown), its marketing insurance commodity and insured goods sold signal, sum of insurance information and every month payment amount information sends to remote server PSLMS; And server PS LMS, it receives Customer Information, insurance company's information, goes into premium information and every month payment amount information from insurance company server, provide according to the sequence number in each group of sum of insurance classification, decision is prize-winning or not prize-winning, carries out insurance company's preassigned insurance payment discount settlement process.

This embodiment can during as the financial service of remittance, exchange etc., decide award-winner by the time of origin according to each incident for every service fee that will offer financing corporation provides sequence number in the incident of carrying out based on the lottery system of sequence number of payment.In this case, form a plurality of groups, and the sequence number of carrying out taking place at each incident is worked out in each group based on every money transfer amount and every redemption amount.

Now with reference to accompanying drawing function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to sixth embodiment of the invention are described particularly.

Figure 18 and Figure 19 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to sixth embodiment of the invention.

At first, Figure 18 has described the sequence number compilation process when sales financing or savings commodity.Server PS LMS will provide a loan the gold (the savings amount of money) be categorized into a plurality of amount of money groups, and provide the incident generation sequence number at each group when loan that each client is taken place or savings incident, the financial payment server CBS1-CBSn that wherein handles loan or savings commodity generates the loan event signal.

Then, financial payment server CBS1-CBSn sends to server PS LMS via data communication network with debtor's loan gold information and the ID of financing corporation number of providing in advance.Server PS LMS provides the customer payment sequence number after the last sequence number of payment in the group of classifying in advance according to debtor's loan gold information.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then server PS LMS will output to financial payment server CBS1-CBSn about client's not prize-winning information.For example, server PS LMS is as follows to the financial payment server CBS1-CBSn data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, financial payment server CBS1-CBSn sends not prize-winning information to the disburser.

Otherwise, if client is award-winner, then server PS LMS extracts the lending ratio of stipulating client and the provisioning information of loan principal according to the preassigned interest discount rate of financing corporation or loan principal discount rate, and the information (prize information) of will winning a prize sends to financial payment server CBS1-CBSn.Then, financial payment server CBS1-CBSn notifies the lending ratio information or the loan principal provisioning information of defined to the financial products buyer.Based on these information, if having award-winner, then server PS LMS is updated to 0 with award-winner's sequence number of payment.

Simultaneously, can be applied to various insured goodses, thereby the sequence number establishment service of payment is provided according to the lottery system of this embodiment based on sequence number of payment.That is to say that it provides during insurance slip at the sequence number of payment according to each group of every month payment amount of money classification payment in every month.In addition, lottery system provides the sequence number of payment at each group of classifying according to car insurance policy separately when payment, thereby insurance slip is given a discount.

Figure 19 utilizes the present invention to carry out the process flow diagram of sequence number establishment by the genetic sequence of remittance signal when remittance.At first, when the remitter by his or his PC (not shown) or when generating remittance signal (signal of transferring accounts) by telephone banking, financial payment server CBS1-CBSn will send to server PS LMS about the people's that transfers accounts information, the amount information of transferring accounts and the service fee information of transferring accounts.

Then, server PS LMS receives above-mentioned information, and confirms by providing at the sequence number of each group of classifying in advance according to the amount of money of transferring accounts whether the remitter is award-winner.Then, server PS LMS sends to financial payment server CBS1-CBSn with award-winner's information.Then, financial payment server CBS1-CBSn to the remitter notify he or she by his or his PC (not shown) or telephone terminal extract prize-winning number of the prize drawing that is used for reducing service fee, and the signal of will transferring accounts offers financial server CBS1-CBSn.

Certainly, even under such insured goods situation, the disburser can directly select one of the probability of winning a prize by arbitrary group in selecting not on the same group, described not on the same group in, one of 10 people are award-winner, one of 20 people are award-winner, or the like.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to seventh embodiment of the invention.

Figure 20 is the process flow diagram based on the data stream of the lottery system of sequence number of payment that illustrates according to seventh embodiment of the invention.

With reference to Figure 20, the lottery system based on sequence number of payment according to this embodiment is such system, the bonus of the certain ratio of this systematic collection sales volume, by allow in card payment or when paying in cash client select the forward sequence number establishment or oppositely the sequence number establishment and at each payment group according to the selected sequence number establishment of client direction carry out forward or oppositely the sequence number establishment decide award-winner, and be award-winner's discount offered or reserve fund according to the amount of money of collecting.

As shown in the same accompanying drawing, in the lottery system of this embodiment based on sequence number of payment, when the specified first payment client of No. 19 sequence number generates during in payment when selecting the signal of reverse sequence number establishment,, specify this client by No. 18 sequence number of payment in response to this signal.In addition, No. 17 sequence number of payment specified as next client's second and paid client, thereby produces the variation of prize-winning probability according to client's selection.

For this reason, this embodiment needs technical pattern identical to those shown in Fig. 1.

That is to say, in lottery system based on sequence number of payment according to this embodiment, credit card can be used for by non-contact type card such as RF-IC card etc. or contact-type card such as magnetic card, IC-card etc., based on its card number and card membership information for buying certain commodity or for using service to carry out amount of money payment.

In addition, card payment terminal A1-An is installed on a plurality of related chain stores such as credit card company, department store, large-scale discount commercial center and the various chain stores of distribution credit card.In this layout, each terminal can be identified in the information content that writes in the credit card, and generates the payment signal and to selection signal reverse or the forward sequence number establishment, so that the authentication of long-range electron gain.In addition, though commodity purchaser is paid in cash rather than is used various cards such as credit card, cash card, debit card etc., but terminal A1-An can carry out the signal manipulation of independent input payment and request forward (oppositely) sequence number establishment service, to comprise the buyer in prize drawing object provided by the invention.

In addition, the card information of card if payment terminal A1-An makes a credit inquiry is so that buy commodity or the payment services use that payment is sold by the related chain stores that these terminals are installed, then it carries out forward or oppositely sequence number establishment according to client's selection in each group of classifying in advance according to payment when the payment of credit card.If the card sequence number of payment is corresponding to predetermined concrete sequence number, then the disburser of the concrete numbering that will preset of terminal is identified as award-winner, and by sending card number and sell details and come the execute card approval procedure, so that carry out deducting the card payment of the remaining sum behind the bonus from payment.In addition, the prize-winning or prize-winning information that provides according to the carrying out that blocks payment is provided on its screen terminal in real time, and prints relevant with it details.

In addition, digital certificate server ES receives the card number of credit card and sells details by the data communication via data communication network and each card inquiry terminal A1-An of installing in related chain stores, and the approval process of execute card credit inquiry transmission of Information and amount of money payment.

If digital certificate server ES provides the card sequence number of payment of each payment group by employing sequence number form of presentation (forward or oppositely sequence number establishment), based on the payment information of creating when the user is used for card inquiry terminal A1-An with credit card, if and sequence number that provides and predetermined concrete sequence number coupling, then determine the credit card that blocks payment to be award-winner.In addition, it will send to inquiry about prize-winning result's information as one of card inquiry terminal of award-winner's credit card via data communication network.

At this moment, by adding up to the source of fund that is equipped with bonus from the amount of money of the certain ratio of the buyer's of the related chain stores of correspondence purchase gold, and source of fund is offered the buyer with concrete sequence number.In this embodiment, can differentially provide bonus according to the selected sequence number establishment of client direction, issue bonuses thereby more reasonably divide.

For example, as shown in Figure 20, when the client who pays when hypothesis is No. 19 sequence number, if he or and she when the disburser of No. 20 sequence number will become award-winner, select reverse sequence number establishment, then next disburser is specified by No. 18 sequence number.Therefore, in this case, may not have award-winner until the more reserve funds of accumulation, and bonus becomes big.Certainly,, then back specify client, and next client becomes No. 20 sequence number as award-winner, unless he or she selects reverse sequence number establishment by No. 18 sequence number if next disburser also selects the establishment of reverse sequence number in same mode.Therefore, the accumulation gold of people's payment further adds bonus to.

In addition, financial payment server CBS1 is installed in total management center etc. of the credit card company, department store of the different credits card of distribution, large-scale discount commercial center, various chain storess.In this embodiment, it by via VAN from digital certificate server ES send when the payment of credit card according to client's card number with sell authentication and the card payment that checking and approving of detailed information carried out the buyer.

Simultaneously, the amount of money Payment Request of the credit card that financial payment server CBS1 has in response to the user from digital certificate server ES and receive from each card inquiry terminal A1-An and to sell detailed information, for each user's credit card is confirmed payment, and it is blocked payment.

In addition, server PS LMS accepts card information and sale details and the selected sequence number establishment of the client directional information that the card payment terminal A1-An from be installed on related chain stores provides, provide in advance the sequence number of payment (forward or oppositely sequence number establishment) in each group of classification according to payment, and decision is prize-winning or prize-winning.Be decided to be under award-winner's the situation buyer or disburser, server PS LMS judges whether the publisher (for example credit card company, large-scale discount commercial center, department store etc.) of card is relevant with it.If publisher and PSLMS are relevant, then the server PS LMS information of will winning a prize or win a prize sends to card payment terminal A1-An to pay at the payment of getting rid of bonus.

Now with reference to accompanying drawing function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to seventh embodiment of the invention are described particularly.

Figure 21 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to seventh embodiment of the invention.

At first, server PS LMS provides the sequence number of payment in each group of classifying in advance according to client's payment, and according to the selected sequence number establishment of each client direction, described sequence number of payment can have height or low sequence number.If card user is that the commodity purchasing amount of money or service usage charges are paid by credit card, then by among the card payment terminal A1-An in the commodity purchasing place or serve the card payment terminal that is equipped with in the chain stores and carry out amount of money payment.

At this moment, card payment terminal A1-An sends to server PS LMS via data communication network with the card number stored in the credit card and card information, Termination ID number, payment information and the selected sequence number establishment of client directional information (forward or oppositely sequence number establishment).Then, server PS LMS specifies the group of classification in advance according to payment based on payment information, and provides in this group last sequence number of payment afterwards or sequence number of payment before according to the selected sequence number of disburser establishment direction.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then it will send to card payment terminal A1-An about client's not prize-winning information.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly, and sequence number is worked out and just made progress on inverse direction when the disburser selects reverse sequence number establishment.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

Otherwise if client is award-winner, then server PS LMS settles accounts from client's payment based on the prize information of each group and gets rid of final payment behind the bonus, and the information (prize information) of will winning a prize sends to card payment terminal A1-An.Then, the payment information that card payment terminal A1-An will get rid of bonus sends to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES will be used to ask the credit inquiry of card and the signal of card payment to offer financial payment server CBS1.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to eighth embodiment of the invention.

Figure 22 is the process flow diagram based on the data stream of the lottery system of sequence number of payment that illustrates according to eighth embodiment of the invention.

With reference to Figure 22, the lottery system based on sequence number of payment of this embodiment is such system, the bonus of the certain ratio of this systematic collection sales volume, select the signal sequence number establishment of paying to decide award-winner by allow client select certain sequence number number of hops to jump according to the selected sequence number of client at interval and at each payment group in card payment or when paying in cash, and be award-winner's discount offered or reserve fund according to the amount of money of collecting as 1,2 or 10.

As shown in the same accompanying drawing, in the lottery system of this embodiment based on sequence number of payment, when the specified first payment client of No. 17 sequence number generate during in payment in order to select two at interval sequence numbers jump signal the time, it be that new (second) paid client that No. 19 sequence number of payment specified the first payment client.In addition, No. 20 sequence number of payment is specified next (the 3rd) payment client, thus the variation of selecting to produce prize-winning probability according to client.

That is to say, in the lottery system of this embodiment based on sequence number of payment, credit card can be used for by non-contact type card such as RF-IC card etc. or contact-type card such as magnetic card, IC-card etc., based on its card number and card membership information for buying certain commodity or for using service to carry out amount of money payment.

In addition, card payment terminal A1-An is installed on a plurality of affiliated stores such as credit card company, department store, large-scale discount commercial center and the various chain stores of distribution credit card.In this layout, each terminal can be identified in the information content that writes in the credit card and generate the payment signal and sequence number of payment jump selection signal, so that the authentication of long-range electron gain.In addition, though commodity purchaser is paid in cash, terminal A1-An can carry out the manipulation of independent input payment and sequence number jump signal, to comprise the buyer in prize drawing object provided by the invention.

In addition, if payment terminal A1-An inquiry is used to buy the commodity that payment sold by the related chain stores that these terminals are installed or is used for the card information of the credit card that payment services use, then it carries out sequence number according to client's selection and jumps when passing through the payment of credit card in each group of classifying in advance according to payment.If card sequence number of payment and predetermined concrete numbering coupling, then the terminal disburser that will have a default concrete numbering is identified as award-winner, and by sending card number and sell details and come the execute card approval procedure, so that carry out deducting the card payment of the remaining sum behind the bonus from payment.In addition, the prize-winning or prize-winning information that provides according to the carrying out that blocks payment is provided on its screen terminal in real time, and prints relevant with it details.

In addition, digital certificate server ES receives the card number of credit card and sells details by the data communication via data network and each card inquiry terminal A1-An of installing in related chain stores, and the approval process of execute card credit inquiry transmission of Information and amount of money payment.

If digital certificate server ES is based on the payment information of creating when the user is used to card inquiry terminal A1-An with credit card, in the middle of the group of classifying in advance, jump according to the selected sequence number of payment of client in the group corresponding and select signal to provide sequence number of payment with client's payment according to payment, when the sequence number that provides and predetermined concrete sequence number coupling then the credit card that blocks payment of decision in real time be award-winner.In addition, it will send to inquiry about prize-winning result's information as one of card inquiry terminal of award-winner's credit card via data communication network.

At this moment, by adding up to the source of fund that is equipped with bonus from the amount of money of the certain ratio of the buyer's of corresponding chain stores purchase gold, and pay buyer with described concrete sequence number with source of fund.In this embodiment, can jump according to the selected sequence number of client and select signal, customer payment person's sequence number can differently be changed from the numbering that provides.

For example, as shown in Figure 22, if No. 17 first specified payment client of sequence number selects in order to carry out the signal that two interval sequence numbers are jumped, then the first payment client is appointed as new (second) payment client by No. 19 sequence number of payment.Therefore, the present invention can be by the variation that makes next (the 3rd client) be specified, be produced prize-winning probability according to client's selection by No. 20 sequence number of payment.

In addition, financial payment server CBS1 is installed in total management center etc. of credit card company, department store, large-scale discount commercial center or various chain storess of the different credits card of distribution.In this embodiment, its is according to the client's who sends from digital certificate server ES via VAN in the payment of credit card card number and sell detailed information and check and approve or do not check and approve authentication and the card payment of carrying out the buyer.

In addition, the amount of money Payment Request of the credit card that financial payment server CBS1 has in response to each user from digital certificate server ES and receive from each card inquiry terminal A1-An and to sell detailed information, for each user's credit card is confirmed payment, and it is blocked payment.

Then, server PS LMS accepts card information and sale details and the selected sequence number jump signal of client that the card payment terminal A1-An from be installed on related chain stores provides, jump and be given in sequence number of payment in the group corresponding with client's payment in the middle of the group of classifying in advance by applying the selected sequence number of client, and whether the decision client has been extracted into lucky number according to payment.Be decided to be under award-winner's the situation buyer or disburser, server PS LMS judges whether the publisher (for example credit card company, large-scale discount commercial center, department store etc.) of card is relevant with it.If publisher is and the related company of PSLMS that then its information of will winning a prize or win a prize sends to each card payment terminal A1-An, to pay at the payment of getting rid of bonus.

Function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to eighth embodiment of the invention are hereinafter described with reference to the accompanying drawings particularly.

Figure 23 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to eighth embodiment of the invention.

At first, server PS LMS carries out the sequence number of payment establishment according to the selected sequence number jump signal of client in the group corresponding with client's payment in the middle of the group of classifying in advance according to payment.If card user is that the commodity purchasing amount of money or service usage charges are paid by credit card, then by among the card payment terminal A1-An in the commodity purchasing place or serve the card payment terminal that is equipped with in the chain stores and carry out amount of money payment.

At this moment, card payment terminal A1-An sends to server PS LMS via data communication network with the card number stored in the credit card and card information, Termination ID number, payment information and the selected sequence number jump of client information.Then, server PS LMS specifies the corresponding payment group of classification in advance according to payment information, and by in this group, providing client's sequence number of payment with the selected sequence number jump of disburser information (1,2 or 10 interval skip) the last sequence number of payment of jumping accordingly.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then it will send to card payment terminal A1-An about client's not prize-winning information.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 3, and this is No. three numbering before award-winner, and you have been extracted into no lottery number, and selects corresponding sequence number jump time sequence 4 intervals of number jumping as the disburser.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

Otherwise if client is award-winner, then server PS LMS settles accounts from client's payment by the prize information of utilizing corresponding group and gets rid of final payment behind the bonus, and the information (prize information) of will winning a prize sends to card payment terminal A1-An.Then, the payment information that card payment terminal A1-An will get rid of bonus sends to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES will be used to ask the credit inquiry of card and the signal of card payment to offer financial payment server CBS1.

Simultaneously, when the sequence number of payment in carrying out the foregoing description is worked out, in can be in the middle of the corresponding group of the owner of chain stores with possessory payment information according to the group of payment per diem, by week with independent sequence number of payment establishment service monthly is provided, wherein prize-winning probability can be selected and different according to client.

In addition, the owner of chain stores can specify the desolate working day such as the Monday of shopping separately, and the chance of this sequence number of payment establishment is provided repeatedly.In addition, the owner of chain stores can also provide repeatedly the chance of this sequence number of payment establishment At All Other Times by be different from the workaday morning.

Simultaneously, though not shown in the drawings, can in the bar code (comprising RFID) of every commodity that large-scale discount commercial center sells, comprise the information of the sequence number establishment of can in according to the amount of money each group, paying greater than certain payment.

For example, in order to carry out the sequence number of payment establishment according to 120,000 won payments of client, should in 100,000 won scopes, carry out the sequence number establishment.But, be used to be independent of payment information 200 if in bar code information, comprise, carry out the information of sequence number establishment in 000 won scope, whether sequence number that then can be by confirming to give the disburser in 200,000 won scopes is mated with predetermined rank order and is judged whether the disburser is award-winner.When the disburser is decided to be award-winner, the bonus of accumulation is provided or carries out amount of money discount.

In addition, by utilize the computer currency that obtains by recreation or electronic money such as advertisement watch integration, according to the amount of money of electronic money to group categories and provide in each group according to the sequence number of using time point, deciding predetermined rank order is award-winner, and can provide by award-winner not provide and the electronic money that accumulates as bonus.

Figure 24 is the process flow diagram based on the data stream of the lottery system of sequence number of payment that illustrates according to ninth embodiment of the invention.

With reference to Figure 24, the lottery system based on sequence number of payment of this embodiment is such system, the reserve fund that this system merges and provided by a plurality of chain storess when being accumulated in the purchase of customer commodity, and when the accumulation reserve fund of realizing according to client's selection at concrete accumulation amount of money group surpasses the predetermined reference amount of money, come to give a discount or the accumulation bonus for award-winner according to bonus by the decision client.

More specifically, as as shown in the same accompanying drawing, in the lottery system of this embodiment based on sequence number of payment, formulate the prize-winning criterion among the server PS LMS by this way, in described mode, the payment client of decision when the accumulation reserve fund from each chain stores surpasses close end is award-winner, rather than constant sequence number of payment.

That is to say that each member chain stores provides the reserve fund of the certain ratio of sales volume as accumulation to server PS LMS.Then, server PS LMS accumulation reserve fund and the payment client of decision when accumulating the amount of money greater than close end are award-winner.

At this moment, the payout ratio of each chain stores can be 1% or 2% of a sales volume.Payout ratio can be according to the type of the business of each chain stores and commodity and is different.When the reserve fund of accumulation certain ratio in server PS LMS, as shown in the same accompanying drawing, when each client's payment, the reserve fund of accumulation is as follows: 52,000 won, 62,000 won etc.

Therefore, be 100,000 won if bonus is set in server PS LMS, the client who pays when occurring surpassing 100,000 won the reserve fund accumulation amount of money is decided to be award-winner.Therefore, in this system, be unknown though some clients are decided to be award-winner, be based on the diverse mode of stochastic sampling mode of conventional lottery system, when the fixing reserve fund of accumulation decision award-winner automatically.

Now with reference to accompanying drawing function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to ninth embodiment of the invention are described particularly.

Figure 25 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to ninth embodiment of the invention.

At first, server PS LMS registers concrete accumulation gold therein as bonus (ST-1).Under this state, if client is that the commodity purchasing amount of money or service usage charges are paid by credit card, then by among the card payment terminal A1-An in the commodity purchasing place or serve the card payment terminal that is equipped with in the chain stores and carry out amount of money payment.

At this moment, card payment terminal A1-An sends to server PS LMS (ST-2) via data communication network with the card number stored in the credit card and card information, Termination ID number and payment information.Then, server PS LMS determines reserve fund according to payment information, and accumulates reserve fund (ST-3) by the amount of money that reserve fund is added to previous accumulation.

Then, whether server PS LMS surpasses the amount of money (ST-4) of registration in advance by the reserve fund that relatively decides accumulation when client pays.

If the reserve fund of accumulation surpasses the amount of money of registration in advance, then server PS LMS decision payment client is award-winner (ST-9), settle accounts from client's payment by the prize information of utilizing corresponding group and to get rid of final payment (ST-10) behind the bonus, and the information (prize information) of will winning a prize sends to card payment terminal A1-An.

In addition, financial payment server CBS1 sends to card payment terminal A1-An (ST-11) with client's payment information.Then, card payment terminal A1-An will export with payment information from the prize-winning information that server PS LMS sends on receipt.If award-winner are arranged, then server PS LMS is updated to 0 with award-winner's sequence number of payment.

Simultaneously, if the reserve fund of accumulation does not surpass the amount of money of registration in advance, then server PS LMS decision payment client is award-winner (ST-5) not, and will at the payment signal of client's payment and not prize information send to card payment terminal A1-An (ST-6).

Then, card payment terminal A1-An sends to digital certificate server ES with described payment information, to check and approve request by credit inquiry.Digital certificate server ES will be used to ask the credit inquiry of card and the signal of card payment to offer financial payment server CBS1.

In addition, financial payment server CBS1 sends to card payment terminal A1-An (ST-8) with client's payment information.Then, card payment terminal A1-An will export with payment information from the not prize-winning information that server PS LMS sends on receipt.

Figure 26 is the process flow diagram based on the data stream of the lottery system of sequence number of payment that illustrates according to tenth embodiment of the invention.

With reference to Figure 26, the lottery system based on sequence number of payment of this embodiment is such system, this system increases the consumption that client comes the number of times in shop and promotes other commodity by accumulating at the part of concrete discount lipuid goods by the accumulation discount amount than the more reserve fund of other commodity as based on the reserve fund of the lottery system of sequence number of payment, by the sequence number of the activity generation with discount is provided.

That is to say, in the middle of a plurality of commodity that at first require in same shop, to sell, provide the commodity that give bigger reserve fund (hereinafter referred to as big integration (BP) commodity), and provide to the external world that to notify these commodity be the guidance of BP commodity.

At this moment, under the situation of BP commodity, commodity seller provides more reserve funds for activity, and the buyer who therefore buys such BP commodity obtains such as buying the more discount effect of high price commodity.For example, the buyer does not buy 100,000 won commodity and receives 100,000 won sequence numbers establishment services in the group, thereby obtains 100,000 won discount when being extracted into prize-winning number he or she as bonus.

The lottery system based on sequence number of payment of this embodiment is to carry out under the system of the POS terminal moved in the shopping mall and VAN terminal (for example terminal of chain stores) of common department store etc., and experiences different disposal according to the system of these terminals.

More specifically, with reference to same accompanying drawing, POS

Whether terminal system can be the BP commodity and confirm BP by the real-time judge commodity

The payment of commodity, thereby by comprising that in real time the BP commodity carry out sequence number establishment.That is to say, in 1% deposit chain stores, require to carry out 1% accumulation for all commodity.But,, then can realize being used as more 10% deposit of height ratio reserve fund if in commodity, comprise the BP commodity.Therefore, under the general goods situation that is not the BP commodity, be accumulated in payment 10,000 won the time 1% 100 won as storage fund, and when being accumulated in 15,000 won of payments 150 won of 1% as storage fund.But, be 10% 10,000 won BP commodity for reserve fund, 1,000 won of accumulation 10% as storage fund.Therefore, the customer consumption gold still generates 1,250 won reserve fund for 35,000 won, thereby accepts 1,200 won sequence number establishment service in the group.

At this moment, the remaining sum that accumulates 50 won still can obtain to be used for the discount of payment immediately as independent integration.

Simultaneously, in the VAN terminal system in running on department store, chain stores etc., it does not receive all merchandise newss by barcode scanner, but only carries out payment by input total charge to be paid.Therefore, it can not judge automatically whether the target commodity are the BP commodity.

For example, in 2% deposit chain stores, the general requirement carried out 1% accumulation for all commodity.If but in commodity, comprise the BP commodity, then can realize being used as more 25% deposit of the reserve fund of height ratio.Therefore, under the general goods situation that is not the BP commodity, be accumulated in payment 10,000 won the time 1% 200 won as storage fund, and when being accumulated in 20,000 won of payments 400 won of 2% as storage fund.Simultaneously, be 25% 100,000 won BP commodity for reserve fund, 25% 25,000 won should be accumulated as storage fund, and the sequence number establishment should be realized.But, because whether commodity for the BP commodity are unknown automatically, thus accumulate 100,00 won 2% promptly 2,000 won as storage fund.

Subsequently, client should import receipt by the input block of independent PC or the terminal A1-An of chain stores.At this moment, from 100,000 won of the payments of BP commodity 25% promptly 25,000 won 23,000 won of deducting after 2% 2,000 won that are subjected to previous sequence number establishment be sent to server PS LMS to carry out the sequence number establishment.

Therefore, the BP commodity cause more clients to come the shop and can be used as the bait commodity.Under the situation of BP commodity, if these commodity can allow 50% discount as lipuid goods, then their allow 40% discount and provide 10% remaining sum as reserve fund to server PS LMS, make server PS LMS carry out the sequence number establishment.In this way, client receives 40% discount and carries out the more sequence number establishment of height ratio, thus raising activity sale effect.

Figure 27 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of tenth embodiment of the invention.

With reference to Figure 27, in the lottery system of this embodiment based on sequence number of payment, credit card can be used for by non-contact type card such as RF-IC card etc. or contact-type card such as magnetic card, IC-card etc., based on its card number and card membership information for buying certain commodity or for using service to carry out amount of money payment.

In addition, card payment terminal A1-An is installed on a plurality of related chain stores such as credit card company, department store, large-scale discount commercial center and the various chain stores of distribution credit card.In this layout, each terminal can be identified in the information content that writes in the credit card and generate the payment signal, so that the authentication of long-range electron gain.In addition, though commodity purchaser is paid in cash rather than is used various cards such as credit card, cash card, debit card etc., but terminal A1-An can carry out the manipulation of independent input payment and sequence number jump signal, to comprise the buyer in prize drawing provided by the invention.

In addition, if terminal A1-An inquiry is used to buy the commodity that payment sold by the related shop that these terminals are installed or is used for the card information of the credit card that payment services use, then it is with the payment classification of credit card in groups.If the concrete sequence number coupling that the card sequence number of payment in the group and this embodiment are scheduled to, then the disburser that terminal will this concrete sequence number is identified as award-winner, and by sending card number and sell details and come the execute card approval procedure, so that carry out deducting the card payment of the remaining sum behind the bonus from payment.In addition, the prize-winning or prize-winning information that provides according to the carrying out that blocks payment is provided on its screen terminal in real time, and prints relevant with it details.

In addition, such POS terminal POS is provided, this POS terminal POS is installed in the shopping mall, and side by side generates payment signal and the accumulation amount information that is used for payment processes with the barcode scanner Pa input merchandise news of inside by being connected to it with about the information of commodity number.

In addition, card payment terminal A1-An that is equipped with in the chain stores and POS terminal POS are made of the independent card payment terminal of adding the PC function to the common credit card termination function.Under the situation of this card payment terminal, the owner of each chain stores can be according to his or his wish provide the prize drawing service based on sequence number voluntarily, and also can pay gift or bonus in proper order according to client's presence of chain stores.

In addition, digital certificate server ES receives the card number and sale details of credit card by the data communication via data network and card inquiry terminal A1-An that installs in related chain stores or POS terminal POS, and the approval process of execute card credit inquiry transmission of Information and amount of money payment.

If the payment information that digital certificate server ES creates when credit card being used for each card inquiry terminal A1-An or POS terminal POS the user, comprise the accumulation amount of money of the accumulation amount of money of BP commodity by summation, when payment, provide card sequence number of payment in each group, determine that in real time the credit card corresponding with blocking sequence number of payment is award-winner during with predetermined concrete sequence number coupling in the sequence number that provides according to the accumulation amount of money.In addition, it will send to inquiry about prize-winning result's information as one of the card inquiry terminal of award-winner's credit card or POS terminal POS via data communication network.In same accompanying drawing, second database D B2 storage is used for the card number of the card approved for payment of user credit card, through checking and approving the consumption sum information and the card information of card.

At this moment, by adding up to the source of fund that is equipped with bonus from the amount of money of the certain ratio of the buyer's of chain stores purchase gold, and source of fund is offered the buyer with described concrete sequence number.In this embodiment, can differentially provide bonus according to client's payment and according to commodity, issue bonuses thereby more reasonably divide.

In addition, financial payment server CBS1 is installed in total management center etc. of credit card company, department store, large-scale discount commercial center or various chain storess of the different credits card of distribution.In this layout, it is by the card number that sends from digital certificate server ES via VAN and sell detailed information and check and approve or do not check and approve authentication and the card payment of carrying out the buyer.

In addition, financial payment server CBS1 receives the sale detailed information in response to the amount of money Payment Request that of the credit card that the user from digital certificate server ES has from each card inquiry terminal A1-An or POS terminal POS, for each user's credit card is confirmed payment, and it is blocked payment.

Then, server PS LMS is provided by the card payment terminal A1-An from be installed on related chain stores card information that provides and the reserve ratio information of selling details and each commodity, calculate final reserve fund based on above-mentioned information, provide the sequence number of payment in the corresponding reserve fund group, and whether the decision client is extracted into prize-winning number.If buyer or disburser are decided to be award-winner, then server judges whether the publisher (for example credit card company, large-scale discount commercial center, department store etc.) of card is relevant with PSLMS.If publisher is and the related company of PSLMS that then the server PS LMS information of will winning a prize or win a prize sends to card payment terminal A1-An or POS terminal POS, to pay at the payment of getting rid of bonus.

At this moment, can will provide bonus to the payment of publisher (for example credit card company, large-scale discount commercial center, department store etc.) payment or the savings account by disburser that bonus is transferred accounts by reducing the buyer.Alternatively, can replace and provide bonus and with forms such as the reserve fund of chain stores, game currency payment bonus.

Now with reference to accompanying drawing function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to tenth embodiment of the invention are described particularly.

Figure 28 and Figure 29 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to tenth embodiment of the invention.

Figure 28 illustrates the prize drawing process of carrying out based on sequence number under POS terminal POS network.At first, server PS LMS receives and registers the information about the BP commodity (ST-20 and ST-21) from the POS terminal POS of arranging in the large scale business in the heart.

Then, server PS LMS receives payment information (ST-22) from the POS terminal POS, extract the BP information of registration in advance in corresponding shop, and it and payment information are compared (ST-23), to judge the payment information that in payment information, whether comprises about the BP commodity.In addition, server PS LMS is at each reserve fund extraction group information, and the sequence number of carrying out in this group is worked out (ST-24, ST-25 and ST-26).

Work out by sequence number, server PS LMS judges whether the target disburser is award-winner (ST-27), if he or she is award-winner then server PS LMS carries out payment processes (ST-28 and ST-29) after deducting bonus, and will win a prize information and payment information send to POS terminal POS (ST-30).If have excess reserve (ST-31), then server PS LMS directly handles excess reserve (ST-32).

Then, the POS terminal POS receives payment information and prize-winning information from server PS LMS, and prints these information so that send to client on receipt.

Figure 29 illustrates the prize drawing process of carrying out based on sequence number under the network as the card payment terminal A1-An of VAN terminal.At first, the POS terminal POS of server PS LMS from be arranged in department store or chain stores receives payment information (ST-40), and calculates reserve fund (ST-41) at payment.That is to say,, block payment terminal A1-An and can not send indivedual merchandise newss though comprise the BP commodity.Therefore, in fact server PS LMS is not identified as the integration of such BP commodity specific integration and calculates reserve fund by the reserve ratio of using the chain stores of registering in advance.

Server PS LMS is at each reserve fund extraction group information and organize interior sequence number establishment (ST-42 and ST-43).

Work out by sequence number, server PS LMS judges whether the target disburser is award-winner (ST-44), if he or she is award-winner, then server PS LMS carries out payment processes and will win a prize information and payment information send to card payment terminal A1-An (ST-45 and ST46) after deducting bonus.If excess reserve is arranged, then server PS LMS directly handles excess reserve.

Then, card payment terminal A1-An receives payment information and prize-winning information from server PS LMS, and prints these information so that send to client on receipt.

Under this state, the printing receipt that client will have the purchase details of BP commodity shows to the salesman, wherein PC by the chain stores or independent input block rather than be provided for the append serial numbers establishment request signal (ST-48 and ST-49) of BP commodity by the VAN server to server PS LMS.At this moment, the reserve fund of BP commodity is 2,000 won, if the reserve fund that uses when utilizing the BP commodity to carry out the establishment of common sequence number is 200 won, then carries out the append serial numbers establishment (ST-50) at 1,800 won reserve fund.

Work out by sequence number, server PS LMS judges whether the target customers is award-winner, if he or she is award-winner, the bonus in server PS LMS accumulation client's the credit card then, and PC or independent input block by the chain stores provide prize-winning information on screen, perhaps print prize-winning information.If the disburser is not award-winner, then PC or the independent input block by the chain stores provides prize-winning information on screen, perhaps prints prize-winning information (ST-47).

Simultaneously, though not shown in the drawings, lottery system and the method based on sequence number of payment of this embodiment also can be applied to use credit card or cash to come Gift Certificate Purchase.If client is by ARS, PC or input block is with credit card or purchase with cash gift token separately, then client's personal information and payment information send to server PS LMS via the server of the publisher of gift token.

Then, server PS LMS carries out sequence number establishment service based on Customer Information and payment information, and if he or she is decided to be award-winner then carries out discount or reservation process by the server that will send to the publisher of gift token for information about.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to eleventh embodiment of the invention.

Figure 30 is a diagram according to the synoptic diagram based on the structure of the lottery system of sequence number of payment of eleventh embodiment of the invention.

With reference to Figure 30, the lottery system based on sequence number of payment of this embodiment is such system, each client's credit number and cell-phone number registered by this system in server PS LMS, and when payment, register the reserve fund process information for each client, wherein when generating the payment signal, the certain ratio of reserve fund is used as sequence number establishment integration, and accumulates excess reserve based on the default information of client.

In other words, when client generates reserve fund to server PS LMS in advance by using his or his PC, can register automatic process information about reserve fund.Though client does not generate the independent signal that is used to handle reserve fund when payment, can automatically perform reserve fund in server PS LMS.

For this reason, the reserve fund that allows client to register in server PS LMS is handled type and mainly is divided into three kinds: the first kind is used for the one hundred percent reserve gold is used for the sequence number establishment, second type is used for the certain ratio of one hundred percent reserve gold is used for sequence number establishment and accumulation excess reserve, and the 3rd type is used to accumulate the one hundred percent reserve gold and it is not used for the sequence number establishment.

Therefore, in the lottery system of this embodiment based on sequence number of payment, credit card can be used for by non-contact type card such as RF-IC card etc. or contact-type card such as magnetic card, IC-card etc. based on it card number and the card membership information for buying certain commodity or using service to carry out amount of money payment.

In addition, card payment terminal A1-An is installed on a plurality of related chain stores of distribution credit card such as credit card company, department store, large-scale discount commercial center etc. and various chain stores.In this layout, each terminal can be identified in the information content that writes in the credit card and generate the payment signal, so that the authentication of long-range electron gain.In addition, though commodity purchaser is paid in cash rather than is used various cards such as credit card, cash card, debit card etc., but terminal A1-An can carry out the signal manipulation of independent input payment and request sequence number establishment service, to comprise the buyer in prize drawing object provided by the invention.

In addition, if payment terminal A1-An inquiry is used to buy the commodity that payment sold by the related chain stores that these terminals are installed or is used for the card information of the credit card that payment services use, then it is with the payment classification of credit card in groups.If the concrete volume sequence number that the card sequence number of payment in the group is scheduled to corresponding to this embodiment, then the disburser that terminal will this concrete sequence number is identified as award-winner, and by sending card number and sell details and come the execute card approval procedure, so that carry out deducting the card payment of the remaining sum behind the bonus from payment.In addition, terminal shows the prize-winning or prize-winning information that presents according to the carrying out that blocks payment in real time on its screen, and prints relevant with it details.

In addition, card payment terminal A1-An that is equipped with in each chain stores and POS terminal POS are made of the independent card payment terminal of adding the PC function to the common credit card termination function.Under the situation of this card payment terminal, the owner of chain stores can be according to his or his wish provide the prize drawing service based on sequence number voluntarily, and also can pay gift or bonus in proper order according to client's presence of chain stores.

Client's mobile phone HP1-HPn is such terminal, this terminal in server PS LMS, register it number and credit number with the given reserve fund of automatic processing server PSLMS, and be used for the data that are provided with that reserve fund automatically handles by input and generate automatic processing signalization.Client's mobile phone HP1-HPn will be provided with data by data communication network and send to server PS LMS.

In addition, digital certificate server ES receives the card number and sale details of credit card by the data communication via data communication network and card inquiry terminal A1-An that installs in related chain stores or POS terminal POS, and the approval process of execute card credit inquiry transmission of Information and amount of money payment.

The payment information that digital certificate server ES creates when credit card being used for each card inquiry terminal A1-An the user provides the card sequence number of payment in each payment group.If sequence number that provides and predetermined concrete sequence number coupling, then it determines that in real time the credit card of concrete sequence number is award-winner.In addition, it will send to inquiry about prize-winning result's information as one of card inquiry terminal of award-winner's credit card via data communication network.In same accompanying drawing, second database D B2 storage is used for the card number of the card approved for payment of user credit card, through checking and approving the consumption sum information and the card information of card.

At this moment, be equipped with the source of fund of bonus by adding up to the amount of money, and source of fund offered the buyer of described concrete sequence number from the certain ratio of the buyer's of chain stores purchase gold.In this embodiment, can differentially provide bonus according to client's payment, issue bonuses thereby more reasonably divide.

In addition, financial payment server CBS1 is installed in total management center of the credit card company, department store, large-scale discount commercial center or the various chain storess that issue different credits card.In this layout, its card number by the client that sends from digital certificate server ES via VAN when the payment of the card of credit card, sell detailed information and check and approve/do not check and approve authentication and the card payment of carrying out the buyer.

In addition, financial payment server CBS1 receives the sale detailed information in response to the amount of money Payment Request of the credit card that the user from digital certificate server ES has from each card inquiry terminal A1-An, for each user's credit card is confirmed payment, and it is blocked payment.

Then, server PS LMS accepts card information and the sale details that the card payment terminal A1-An from be installed on related chain stores provides, and provides the sequence number of payment in each group of classifying in advance according to payment, and whether the decision client is extracted into prize-winning number.Be decided to be under award-winner's the situation buyer or disburser, server judges whether the publisher (for example credit card company, large-scale discount commercial center, department store etc.) of card is relevant with server PS LMS.If publisher is and the related company of PSLMS that then the server PS LMS information of will winning a prize or win a prize sends to one of card payment terminal A1-An, to pay at the payment of getting rid of bonus.In addition, server PS LMS automatically performs client's reserve fund and handles, and wherein registers from the reserve fund of client's mobile phone HP1-HP2 with cell-phone number and credit number relevantly and handles configuration information.Therefore, might discern client by the cell-phone number or the credit number that the payment signal that sends from card payment terminal A1-An, comprise subsequently.

Figure 31 is the block diagram that the structure of the payment/prize drawing management server according to eleventh embodiment of the invention is shown.

With reference to Figure 31, the server PS LMS of this embodiment is the server that automatically performs each client's reserve fund.That is to say, it is registered from the reserve fund of client's mobile phone H1-HPn with client's cell-phone number or credit number relevantly and handles configuration information, discern he or she based on the client's cell-phone number or the credit number that comprise in the payment signal from card payment terminal A1-An subsequently, and handle client's payment reserve fund based on the default reserve fund process information of client automatically.When customer payment, it serves the discount of handling at payment by the sequence number establishment is provided according to default he or she the sequence number of payment of client.

More specifically, as as shown in the same accompanying drawing, server PS LMS has gateway, coupling part, the AUC of authentication center, connects the sense process device, group given processor, sequence number establishment are carried out processor, chain stores's cost settlement processor, client's serial number information set handling device, Customer Information storage area 9a, the information memory cell 9b of chain stores, data storage part and control module.

The AUC of authentication center 6 is processors, whether this processor authenticates the chain stores based on ID number of the card payment terminal A1-An of each chain stores as MAC Address is related chain stores, and which client perhaps authenticates according to the Customer Information that sends from client PC PC1-PCn is.Connect the connection status that sense process device 8a is used to check the card payment terminal A1-An and the client PCPC1-PCn of each chain stores.

In addition, group given processor 8b specifies the group of classifying in advance according to the client's who sends from card payment terminal A1-An payment, wherein when applying concrete client's payment information from terminal A1-An, specifies the group that is used for this payment.

Specified under the state of group in group given processor 8b, sequence number establishment execution processor 8c basis decides the corresponding sequence number of payment of organizing interior client from the client's of card payment terminal A1-An payment information and the default serial number information of client (prize-winning probability integral).

The cost settlement processor 8d of chain stores is by settling accounts the card payment terminal A1-An of chain stores with the payment that provides for each client deducts bonus from payment.Selected prize-winning probability integral information when client's sequence number establishment processor 8e is registered in client and utilizes client PC PC1-PCn to be connected to it via the Web network.When applying payment during signal to processor subsequently, it carries out such processing, and client extracts the prize-winning probability integral information of registration in advance and can provide sequence number in the prize-winning product of probability of correspondence divides into groups in this processings.

Customer Information storage area 9a registers each client's cell-phone number and credit number, and the automatic reserve fund processing type at each client is set.As discussed above, the automatic reserve fund processing type that is used for each client mainly is divided into three kinds: the first kind is used for the one hundred percent reserve gold is used for the sequence number establishment, second type is used for the certain ratio of one hundred percent reserve gold is used for sequence number establishment and accumulation excess reserve, and the 3rd type is used to accumulate the one hundred percent reserve gold and do not use it for the sequence number establishment.

The information storage part 9b of chain stores registration is at the various search category information of each chain stores, make client to search for required chain stores information via client's mobile phone HP1-HPn, wherein store and register at each chain stores provide integration (for example reserve fund information), chain stores's positional information, phone number information, at the merchandising information and the Special Events information of each chain stores.

ID number of the card payment terminal A1-An of data storage part 10 storage chain storess and according to the information of storing about its related chain stores for ID number.In addition, it stores sequence number of payment information according to the payment group and at the prize-winning information of each group, and the prize-winning probability integral information registered in advance of client.

Simultaneously, control module 12 is based on the payment information and the chain stores's code that provide from card payment terminal A1-An by gateway 2a-2n, confirm by AUC 6 whether each chain stores is related chain stores, and under having specified, confirm according to the sequence number of payment in the correspondence group whether each client is extracted into prize-winning number according to the state of the group of payment.In addition, the prize-winning probability integral information of its registration client preliminary election selection; When applying payment during signal to processor subsequently, its carries out the prize-winning probability integral information of registration in advance of extracting client, makes to provide sequence number in the prize-winning product of probability grouping of correspondence.In addition, it is provided with relevantly and registers automatic reserve fund processing in response to client's signalization with client's cell-phone number or credit number.In addition, it is classified, registers according to a plurality of search categories and is provided with about the information of each chain stores carrying out its search, and carries out automatic reserve fund based on each client's information and handle when the payment signal occurring.

Now with reference to accompanying drawing function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to eleventh embodiment of the invention are described particularly.

Figure 32 is the process flow diagram based on the signal flow of the lottery system of sequence number of payment that illustrates according to eleventh embodiment of the invention.

In the lottery system based on sequence number of payment of this embodiment, client is connected to the phonepages (ST-60) of server PS LMS earlier by client's mobile phone HP1-HP2.

Then, by coming under the state of logon server PSLMS to server PS LMS input member ID and password, client selects reserve fund to handle setup menu among the various menus that are equipped with among server PS LMS and sends to server PS LMS reserve fund is handled solicited message, makes the independent selection that need not client can handle the reserve fund (ST-61) that generates automatically in server PS LMS when customer payment.

Then, server PS LMS registers the reserve fund processing solicited message (ST-62 and ST-63) of client from each client of client's mobile phone HP1-HPn transmission with each client's cell-phone number and credit number relevantly.

Under this state, when the card payment terminal A1-An from be arranged in the chain stores applies the payment signal with payment information, server PS LMS accumulation is also handled the reserve fund of chain stores, and according to the client's who sends from card payment terminal A1-An mobile phone or the configuration information (ST-64, ST-65 and ST-66) that credit number extracts client.

If the configuration information that server PS LMS extracted comprises the sequence number establishment service (ST-67) at the one hundred percent reserve gold, then server PS LMS carries out sequence number establishment service (ST-68) at the one hundred percent reserve gold that provides according to client's payment.Above specifically described the performed sequence number establishment service of server PS LMS, being described in here of it omitted by the foregoing description.

By in server PS LMS, carrying out sequence number establishment service, if the payment client is confirmed to be award-winner or award-winner (ST-69) not, then server PS LMS with client's prize-winning information and the final payment information after deducting bonus send to the card payment terminal A1-An (ST-70) of chain stores.

If the configuration information that server PS LMS extracted is associated with only carrying out sequence number establishment service at the certain ratio of the reserve fund that the time provides in payment and accumulate at excess reserve, then server PS LMS only carries out sequence number establishment service (ST-71 and ST-72) at certain ratio.

By in server PS LMS, carrying out sequence number establishment service, if the payment client is confirmed to be award-winner, then server PS LMS with client's prize-winning information and the final payment information after deducting bonus send to the card payment terminal A1-An of chain stores, and directly carry out reserve fund at each client's excess reserve and handle (ST-73).

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to twelveth embodiment of the invention.

Figure 33 is the process flow diagram of signal flow based on the lottery system of payment number that illustrates according to twelveth embodiment of the invention.

At first, the lottery system based on the payment number of this embodiment is such system, the PC that this system uses the chain stores in server PS LMS according to category classification and registration chain stores discount rate information, positional information, phone number, Special Events information and merchandising information, make each client can by via his or the higher order of concrete zone, discount rate in his the handset-selected required classification, concrete movable the chain stores takes place, merchandising waits and searches for suitable chain stores.

For this reason, this embodiment need with system identical shown in Figure 30, and such embodiment is described with reference to Figure 30.

At first, the owner of chain stores by his or his PC (not shown) chain stores's information is sent to server PS LMS (ST-80).Utilize client's mobile phone HP1-HPn or PC to be connected under the state of server PS LMS client, chain stores's information is used to search for required chain stores (ST-83 and ST-87).Chain stores's information of registering in server PS LMS is discount rate information, positional information, phone number information, Special Events information and the merchandising information (ST-81 and ST-82) of classifying according to classification.

Particularly, discount rate offers client by the chain stores with different ratios, and can at random be provided by the owner of chain stores.Basically, between the discount rate that provides according to type of service, there are differences inevitably.This also relates to the marginal rate according to type of service, sales volume etc.But even the business of same type, the difference that also may occur between the discount rate of chain stores is because the owner of chain stores can provide the part of higher discount rate as Special Events.

Therefore, be connected to server PS LMS by the mobile phone HP1-HPn that utilizes client, client can search for (ST-84 and ST-88) according to the order of the company that the maximum-discount rate is provided, search for (ST-85 and ST-89), searches for chain stores's information or search for by the input title of merchandising such as clothes, running shoes, pizza etc. by the input telephone number according to the region, chain stores.In addition, client can according to provide Special Events for example the order of the chain stores of gift etc. search for (ST-86 and ST-90).

Therefore, when the request signal that will be used for such search as mobile phone HP1-HPn or PC by client sent to server PS LMS, chain stores's information that server PS LMS will search in response to search request signal sent to client's mobile phone HP1-HPn or PC (ST-91 to ST-94).

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to thriteenth embodiment of the invention.

Figure 34 and Figure 35 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to thriteenth embodiment of the invention.

At first, the lottery system based on sequence number of payment of this embodiment is such system, in this system, when asking to lay in advance when transferring accounts by client's the request of deposit in advance, reserve message input and reserve amount, server PS LMS provides the deposit order to participate in sequence number establishment service before buying commodity to each client in advance.

The lottery system based on sequence number of payment of this embodiment provides a kind of be used to handle deposit and the interim system that lays in advance.In the present invention, deposit is meant the deposit of in advance savings being transferred accounts under the situation that client lays in each chain stores in advance.In this case, reserve fund offers client so that use according to laying in advance in advance in system.

Simultaneously, interim deposit is meant under the situation that client lays in the chain stores, the deposit under the state that savings are in advance not transferred accounts.In this case, reserve fund does not offer client according to lay in advance temporarily in system, and provides more reserve funds.

Certainly, the reserve fund when laying in resulting reserve fund in advance in advance greater than interim deposit.But under the situation of laying in advance, the sale safety of chain stores is almost determined.Under the situation of interim deposit, because the independent savings of not transferring accounts are unknown so sell safety.Therefore, it is rational providing more reserve funds under the situation of laying in advance.But by notify client's number and presence time in advance to the owner of chain stores, deposit and interim deposit jointly provide and are enough to satisfy the time that is equipped with food, seat safety etc. in advance, thereby provide more facilities and the more reserve funds of payment to client.

Especially under the situation of laying in advance, client can be by utilizing the integration that provide from the chain stores to carry out the sequence number establishment service of server PS LMS in advance before the payment entire service amount of money.Therefore, client can buy commodity and receive service with discounted cost, and may freely buy commodity.

Figure 34 illustrates the process of laying in advance.

As shown in FIG., under the situation of laying in advance, when client after being connected to server PS LMS by client's mobile phone HP1-HPn by various search such as commodity menu, the discount rate that gives, when area information waits and searches for concrete chain stores, the application of deposit in advance signal (reserve message is as number and expectation payment) at the chain stores is sent to server PS LMS via client's mobile phone HP1-HPn.

Then, server PS LMS exchanges reserve fund in response to the signal of deposit application in advance.Routinely, reserve fund is 10% of an one hundred percent reserve payment, but also can be at each chain stores with different ratio settings.

Therefore, if server PS LMS calculates reserve fund, then it sends to client's mobile phone HP1-HPn with reserve fund information.Then, client is provided for applying for the small amount payment signal of transferring accounts to server PS LMS.

Therefore, server PS LMS drives the small amount payment program, and carries out small amount payment by attested authentication procedure and handle, so that will be generated to client's mobile phone HP1-HPn at the integration (reserve fund) of whole expectation payments of client.

That is to say that if the reserve fund that client paid is 10,000 won, then client estimates all to estimate that payment is 100,000 won.Server PS LMS does not provide integration but is 100,000 won in advance integration is provided for 10,000 won of payment.

In this way, if sequence number establishment service request signal is sent to server PS LMS from client's mobile phone HP1-HPn, then server PS LMS provides the customer payment sequence number after the last payment signal in the group of classifying in advance according to card disburser's payment information.

Based on this mode, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then it will send to client's mobile phone HP1-HPn about client's not prize-winning information.For example, server PS LMS is as follows to client's mobile phone HP1-HPn data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.

Otherwise if client is award-winner, then the server PS LMS authentication number of will winning a prize separately sends to client's mobile phone HP1-HPn, makes client to come according to the bonus discount taken by show this prize-winning authentication number in the chain stores when payment.

Under the state of finishing the use of reserve fund in advance, if client attempts the payment in the chain stores, then the owner of chain stores is confirming to calculate final payment after client prize-winning by the prize-winning authentication number that provides on the screen of client's mobile phone HP1-HPn.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment.

In addition, financial payment server CBS1 sends to card payment terminal A1-An with client's payment information.Then, card payment terminal A1-An will export with payment information from the prize-winning information that server PS LMS sends on receipt.

Figure 35 illustrates interim deposit process.

As shown in FIG., under the situation of interim deposit, when client after being connected to server PS LMS by client's mobile phone HP1-HPn by various search such as commodity menu, discount offered rate, when positional information waits and searches for concrete chain stores, interim deposit application signal (reserve message is as number and expectation payment) at the chain stores is sent to server PS LMS via client's mobile phone HP1-HPn.

Then, server PS LMS registers client's cell-phone number by transmit leg indication service CID in response to interim deposit request signal together with chain stores's information and interim reserve message.

Under this state, client attempts amount of money payment by the card payment terminal that is equipped with in the chain stores.

At this moment, card payment terminal A1-An sends to server PS LMS via data communication network with the card number stored in the credit card and card information, Termination ID number and payment information.Then, server PS LMS extracts Customer Information and confirms whether client is the interim deposit client who registers in advance from client's credit card information.

If client lays in client temporarily, then server PS LMS generates the interim deposit integration of deciding through consultation, and provides the customer payment sequence number after the last sequence number of payment in the group of classifying in advance according to the disburser's that swipes the card payment information.

In this way, whether server PS LMS can the real-time confirmation client be award-winner.If client is not award-winner, then server PS LMS will send to card payment terminal A1-An about client's not prize-winning information.For example, server PS LMS is as follows to the card payment terminal A1-An data that give information: your authentication number is No. 19, and this is award-winner's a numbering formerly.Then, card payment terminal A1-An will pay signal and send to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES generates and is used to ask the credit inquiry of card and the signal of card payment to arrive financial payment server CBS1.

Otherwise if client is award-winner, then server PS LMS clearing are got rid of final payment behind the bonus from client's payment, and the information (prize information) of will winning a prize sends to card payment terminal A1-An.Then, the payment information that card payment terminal A1-An will get rid of bonus sends to digital certificate server ES, to check and approve request by credit inquiry.Digital certificate server ES will be used to ask the credit inquiry of card and the signal of card payment to be provided to financial payment server CBS1.

In addition, financial payment server CBS1 sends to card payment terminal A1-An with client's payment information.Then, card payment terminal A1-An will export with payment information from the prize-winning information that server PS LMS provides on receipt.If have award-winner, then server PS LMS is updated to 0 with award-winner's sequence number of payment, and chain stores and server PSLMS carry out clearing at the integration gold subsequently.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to fourteenth embodiment of the invention.

Figure 36 is the process flow diagram of the receipt that uses in the delivery companies based on the lottery system of sequence number of payment that illustrates according to fourteenth embodiment of the invention.

With reference to Figure 36, this embodiment based on the lottery system of sequence number of payment delivery companies during to server PS LMS input payment information from server PS LMS receive will be on receipt the authentication number of the sequence number integration of output in advance, help obtain sequence number establishment service by being connected to server PS LMS then via client's PC or mobile phone.

If the lottery system based on sequence number of payment of this embodiment is applied to delivery companies, then client received commodity before paying by credit card or cash, paid by cash subsequently.Therefore, the expressman can't provide the indication client to finish the independent payment signal of payment to server PS LMS when payment.

Therefore, delivery companies provides it self information and about the information of the commodity amount of money ordered to server PS LMS when receiving order, the authentication number that generates from server PS LMS with output on cash memorandum.In this way, when client was connected to server PS LMS and input authentication subsequently, server PS LMS checked which commodity whether the authentication number of input bought in which chain stores with the affirmation client, thereby sequence number establishment service is provided.

For this reason, as shown in the same accompanying drawing, described to offer client's receipt 20 from delivery companies.In the receipt 20 of delivery companies, show payment 22, and at its downside with the date of payment 24.Also have in addition generate by server PS LMS and be included in it in receipt 20 in the chain stores after the title 28 of the authentication number 26, the ID of chain stores printed numbers 30 and phone number and chain stores.

Therefore, client is being connected to server PS LMS by PC or mobile phone HP1-HPn after the expressman obtains receipt 20 there, and input on receipt 20 with authentication number 26, the sequence number establishment service and the different types of service that provide by server PS LMS are provided thus.

Now with reference to accompanying drawing function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to fourteenth embodiment of the invention are described particularly.

Figure 37 and Figure 38 are the process flow diagrams based on the signal flow of the lottery system of sequence number of payment that illustrates according to fourteenth embodiment of the invention.

At first, Figure 37 has described the process flow diagram that is used to import the commodity of order under the state that PC or the mobile phone by the chain stores is connected to server PS LMS in the chain stores and generates authentication number automatically.Figure 38 has described and has been used for being connected to server PS LMS and importing the process flow diagram that payment is come access authentication by the digital certificate server as the VAN server.That is to say that Figure 37 and Figure 38 have described the method that the chain stores is connected to server PS LMS and access authentication number.

At first, come in the method for access authentication number at the PC by the chain stores or mobile phone, when the chain stores when concrete client receives order, chain stores's input authentication under the state that its PC or mobile phone by the chain stores is connected to server PS LMS number generates the code of request signal, absolute payment amount information and chain stores.

Then, server PS LMS receives the code that authentication number generates request signal, absolute payment amount information and chain stores, generates intrinsic authentication number (sequence number), and with send from the chain stores register authentication number information-relatedly.

The chain stores comprises the authentication number from server PS LMS in receipt 20, after the output receipt receipt is offered client then.

Client receives authentication number and send authentication number under he or her PC or the mobile phone by client is connected to server PS LMS subsequently state.Then, server PS LMS extracts above-mentioned information by authentication number.Based on this mode, server PS LMS can judge that what client's payment is and generates the integration corresponding with payment thus, provides sequence number establishment service to utilize this integration.

By sequence number establishment service, whether server PS LMS can the real-time confirmation client be award-winner.If client is award-winner, then server PS LMS is according to all or part of bonus that provides of payment gold.

With reference to Figure 38, under the situation that otherwise provides authentication number, main card can be provided to the chain stores providing authentication number from server PS LMS, and main card number is registered among the digital certificate server ES.

Digital certificate server ES registers main card number when receiving main card number, be not actual delivery request signal but indication should send the signal of payment information to server PS LMS to judge signal.

Under this state, when the owner of the chain stores of delivery companies received order, he or she paid signal by utilizing main card to generate card via the card payment terminal A1-An input payment that is equipped with in the chain stores.Then, the digital certificate server ES that pays signal from card payment terminal A1-A receiving card sends corresponding informance to server PS LMS, rather than utilizes main card number that the actual delivery signal is generated to concrete credit card company.Corresponding informance comprises authentication number request signal, absolute payment amount information and chain stores's code.

Then, server PS LMS receives authentication number request signal, absolute payment amount information and chain stores's code, generate intrinsic authentication number (sequence number), register authentication number with the information that sends from the chain stores with interacting, and authentication number is sent to the card payment terminal A1-An of chain stores by digital certificate server ES.

Then, the chain stores comprises the authentication number that sends from server PS LMS in receipt 20, and after printing receipt is offered client.

Client he or she subsequently PC or the mobile phone by client be connected to server PS LMS state under input and send authentication number.Then, server PS LMS extracts above-mentioned information by authentication number.Based on this mode, server PS LMS can judge that what client's payment is and generates the integration corresponding with payment thus, thereby utilizes this integration that sequence number establishment service is provided.

Hereinafter set forth the lottery system that passes through chain stores's payment terminal with reference to the accompanying drawings particularly based on sequence number of payment according to fifteenth embodiment of the invention.

Figure 39 is the diagrammatic sketch of the gift token that uses in the chain stores based on the lottery system of sequence number of payment that illustrates according to fifteenth embodiment of the invention.

With reference to accompanying drawing, the lottery system based on sequence number of payment of this embodiment is such system, if this system can by from each chain stores distribution gift token the time among server PS LMS the authentication number of registration gift token provide the integration that is used for sequence number establishment service that can in fixing period, use fixedly the period expire then certain interest be provided in addition and provide add on yield with at the purchase of customer gift token time by the period till before calculating the use gift token by automatic deletion integration, thereby promote the circulation of the gift token of each chain stores.

This embodiment based on the lottery system of sequence number of payment by providing two kinds of incomes to promote the sale of gift token to client when the gift token of selling by each chain stores's distribution.One of two kinds of incomes are with relevant by the sequence number establishment service that provides concrete integration to be provided in the certain hour section from Gift Certificate Purchase to carry out the server PS LMS.

Another income relates to by calculating to expire from the available period and the interest rate that uses till the gift token owner by the chain stores to provide separately is provided integration is provided extraly.At this moment, client does not receive can be in concrete integration and the interest income used from fixedly period of Gift Certificate Purchase, but receives integration when Gift Certificate Purchase.When the available period of integration expired, client can receive certain interest income, though therefore he or she has bought gift token in advance, had the chance of various incomes.

Thereby, on the gift token 32 that in the lottery system of this embodiment, uses based on sequence number of payment with chain stores's title.In addition, thereon also with the face amount information 36 of integration and about fixing the information 40 of available period.In addition, thereon with the integration face amount information 38 and the sequence number 42 of gift token.When also expiring thereon with the available period at integration according to the interest information 44 of period.

Therefore, server PS LMS registered the distribution of information from the gift token of chain stores before sales coupons.When sales coupons, its registration marketing information, computing time or period are used the period so that check integration, in integration can be with the period, provide integration to use service, when integration can expire with the period, deduct integration and calculate interest rate, calculate period of using till the gift token subsequently and this period is exchanged into corresponding integration.In this way, it automatically performs from chain stores's distribution gift token to client's whole management to gift token the operating period.

The function and the operation based on the lottery system of sequence number of payment of passing through chain stores's payment terminal according to fifteenth embodiment of the invention of structure are described as mentioned particularly now with reference to accompanying drawing.

At first, print and the distribution gift token chain stores.Then, under the state that PC or the mobile phone in the chain stores by the chain stores is connected to server, the chain stores will comprise that the sequence number of gift token and the gift token distribution of information of face amount send to server PS LMS.

Then, server PS LMS is each chain stores's registration gift token distribution of information.Subsequently, chain stores's PC or mobile phone by the chain stores when sales coupons sends to server PS LMS with sequence number and gift token marketing information.

In addition, the marketing information of server PS LMS registration gift token and generate integration according to the sale of gift token.In addition, it starts uses the period of integration to count at can be used to, and provides corresponding integration information to client's PC or mobile phone.That is to say that before using gift token, client can utilize integration to obtain various services or commodity, and the sequence number establishment service that provides by server PS LMS also is provided.

If client by his or his mobile phone or PC generate in order to use the signal of sequence number establishment service, then server PS LMS accepts from client's gift token sequence number information and extracts the sequence number information of registration in advance.After this, it carries out sequence number establishment service after confirming face amount and integration information, and confirms prize-winning or not prize-winning.

In addition, server PS LMS will the information of winning a prize sends to client's mobile phone or PC.Use client under the situation of integration, do not give interest income according to the independent period.But, not using client under the situation of integration, server PS LMS checks that integration uses the period to judge whether integration can expire with the period.

If the integration of concrete gift token can expire with the period, then server PS LMS deletion integration and enabling counting are so that according to period calculating interest rate.

After certain period passes, if client wants to use gift token, card payment terminal A1-An or the PC of chain stores or the use signal that mobile phone receive gift token of server PS LMS then by in the chain stores, being equipped with, the termination interest is calculated, according to period calculating interest rate, and after interest rate is exchanged into integration, integration information is sent to the chain stores so that client can confirm integration information.

Owing in integration information,, work out the various services of service so client can receive the sequence number that comprises that is provided by server PS LMS based on sequence number subsequently with sequence number.

Simultaneously, be not limited to the foregoing description based on the lottery system and the method for sequence number of payment, and under not breaking away from, can make various changes and modification as scope of the invention situation defined in the appended claims.

As mentioned above, based on the lottery system of sequence number of payment and method by when paying for the commodity amount of money by credit card or cash, at each group of classifying in advance according to payment provide sequence number of payment and by more given sequence number with decide for predetermined prize-winning number prize-winningly or prize-winning, payment is given a discount or the computer currency is provided.Therefore, lottery system of the present invention and method can boost consumption, increase the sales volume of each chain stores and provide and use the proportional bonus of the amount of money to client.

Claims

1. lottery system based on sequence number of payment, described lottery system comprises:

The card payment terminal, be arranged in the chain stores, be used for sending the card information and the payment information of the object that will be regarded as based on sequence number of payment drawing a lottery at the amount of money payment by credit card to payment/prize drawing management server, and on sales check the prize-winning or prize-winning information of the described credit card of indication;

The digital certificate server is used for carrying out authentication processing in response to the credit inquiry request signal of paying from the amount of money at described credit card of described card payment terminal;

The financial payment server is provided in the paying centre of credit card company, is used for carrying out amount of money payment processes at the described credit card by described digital certificate server authentication; And

Described payment/prize drawing management server, be used for based on the described amount of money Payment Request signal, card information and the payment information that provide from described card payment terminal, classify a plurality of groups according to payment unit, provide sequence number of payment at each group, confirm the described sequence number that provides whether with preassigned prize-winning sequence number coupling with the processing of winning a prize, and the information of winning a prize sent to described card payment terminal.

2. lottery system according to claim 1, wherein said payment/prize drawing management server judges that based on the described card information that sends from described card payment terminal described card is not related card or related card.

3. lottery system according to claim 1, wherein said card payment terminal provides the disburser's personal information with client's cellphone information and payment information to described payment/prize drawing management server, so that give the lottery drawing machine meeting to the disburser who pays in cash for concrete commodity or service execution.

4. lottery system according to claim 1, wherein comprise not overlapping payment group according to described a plurality of groups of payment unit classification by described payment/prize drawing management server, such as 100, payment group below 000 won, 100, more than 000 won but 200, payment group below 000 won, 200, more than 000 won but 300, payment group below 000 won, 300, more than 000 won but in the payment group below 500,000 won and more than 500,000 won but 1, payment group below 000,000 won.

5. lottery system according to claim 1, wherein by be accumulated in sequence number of payment before the award-winner specified award-winner do not pay the time described chain stores the certain ratio of the commodity amount of money that the owner provided be equipped with the source of fund of described payment/bonus that the prize drawing management server is provided.

6. lottery system according to claim 1, wherein said payment/prize drawing management server comprises:

The wire/wireless gateway is used for data that will send by Web network and wireless the Internet network and the agreement that is equipped with at described server and mates;

The coupling part, the described data that are used for sending by described gateway are connected to the internal module of described server;

Authentication center, whether the chain stores is related chain stores as described in being used for number authenticating as media interviews control (MAC) address based on the sign (ID) of the described card payment terminal of each chain stores;

Connect the sense process device, be used to check the connection status of the described card payment terminal of each chain stores;

The group given processor is used to specify the group of classifying in advance according to the client's who sends from described card payment terminal payment;

Processor is carried out in sequence number establishment, is used for deciding the sequence number of payment of described client in described group according to the described client's who applies from described card payment terminal described payment information under described group of given processor specified corresponding group state;

The cost settlement processor is used for deducting bonus with the described card payment terminal of the settling accounts described chain stores amount of money with payment from each client's payment;

The data storage part is used to store at ID number of the described card payment terminal of each chain stores and at each ID number related chain stores information, at the described sequence number of payment information of each payment group and at the described prize-winning information of each group; And

Control module, be used for by using described authentication center, basis to confirm with chain stores's code whether described chain stores is related chain stores from the described payment information that described card payment terminal provides by described gateway, and specifying according to described payment under described group the state, also confirm based on the described sequence number of payment in described group whether described client is award-winner.

7. lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

On payment/prize drawing management server, classify and the foundation group according to payment;

On the card payment terminal, utilize concrete client's credit card to send payment signal and payment information;

On described payment/prize drawing management server, receive described payment signal and described payment information, and specify pairing group of described payment;

Whether the sequence number of payment of judging the disburser on described payment/prize drawing management server mates with predetermined prize-winning sequence number;

If described sequence number of payment and described predetermined prize-winning sequence number coupling are judged that then the disburser is award-winner, and on described payment/prize drawing management server the information of winning a prize are sent to described card payment terminal;

Generate the payment signal of the payment of getting rid of bonus in described card payment terminal;

In response to described payment signal, in digital certificate server and the payment of financial payment server execute card from described card payment terminal; And

On described card payment terminal, described payment information and described prize-winning information are outputed on the receipt.

8. method according to claim 7, wherein said card payment terminal is in response to described client's selection, in high payment group, do not carry out the sequence number of payment establishment, but repeatedly divide described sequence number of payment establishment and in low amount of money payment group, carry out described sequence number of payment establishment.

9. method according to claim 7, further comprising the steps of:

If described payment signal is imported from described card payment terminal, then on described payment/prize drawing management server, calculate the certain ratio of described payment as reserve fund; And

On described payment/prize drawing management server, add up to and accumulation from the reserve fund according to the not award-winner of preset period of time of each chain stores.

10. method according to claim 7, further comprising the steps of: as, on described payment/prize drawing management server, to be " 0 " then with described award-winner's sequence number of payment information updating if award-winner are arranged.

11. method according to claim 7, it is further comprising the steps of: if described disburser is award-winner not, transmission information on described payment/prize drawing management server then, this information are output on the card receipt about described disburser's the sequence number and the information of described prize-winning sequence number in order to guaranteeing.

12. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

When the cash user pays in cash, utilizes then the card payment terminal to import payment information for the commodity purchasing amount of money or service usage charges, described payment information and described card payment terminal ID number sent to payment/prize drawing management server from described card payment terminal;

On described payment/prize drawing management server, provide the sequence number of payment of the client after the last sequence number of payment in the group of classifying in advance according to described disburser's described payment information;

Whether the sequence number of payment of judging described client on described payment/prize drawing management server mates with predetermined prize-winning sequence number;

If described sequence number of payment and described predetermined prize-winning sequence number coupling send to described card payment terminal then in the final payment of clearing on described payment/prize drawing management server behind described client's the payment eliminating bonus, and with the information of winning a prize; And

Output comprises the cash memorandum of described prize-winning information and described payment information on described card payment terminal.

13. the lottery system based on sequence number of payment, described lottery system comprises:

The card payment terminal, be arranged in the chain stores, be used for sending the selected group selection information of card information, payment information and client of the object that will be regarded as based on sequence number of payment drawing a lottery at the amount of money payment by credit card according to prize drawing object number to payment/prize drawing management server, and on sales check the prize-winning or prize-winning information of the described credit card of indication;

Described payment/prize drawing management server is used for providing based on the selected described group selection information according to prize drawing object number of the described amount of money Payment Request signal, card information and the described client that send from described card payment terminal the sequence number of the payment client in the prize drawing object person array, confirm the described sequence number of payment that provides whether with preassigned prize-winning sequence number coupling with the processing of winning a prize, and the information of winning a prize sent to described card payment terminal.

14. lottery system according to claim 13, a plurality of groups that are wherein classified according to described prize drawing object number by described payment/prize drawing management server comprise: 10 people group, and wherein the 10th disburser is award-winner among 10 disbursers; And 20 people groups, wherein the 20th disburser is award-winner in 20 disbursers.

15. lottery system according to claim 13, the bonus that wherein said payment/the prize drawing management server is provided accumulates manyly for the number group how that described prize drawing object relates to.

16. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Card payment terminal from be arranged in the chain stores sends card information, Termination ID number, payment information and the selected group information according to prize drawing object number of client to payment/prize drawing management server;

On described payment/prize drawing management server, provide sequence number of payment by described client after the last sequence number of payment in the prize drawing object person array of described client's selection;

Judge on described payment/prize drawing management server whether described sequence number of payment mates with predetermined prize-winning sequence number;

If described sequence number of payment and predetermined prize-winning sequence number coupling are judged that then described disburser is award-winner, and on described payment/prize drawing management server the information of winning a prize are sent to described card payment terminal;

On described card payment terminal, generate the payment signal of the payment of getting rid of bonus;

In response to the described payment signal from described card payment terminal, execute card is paid on digital certificate server and financial payment server, and described payment information is sent to described card payment terminal; And

17. lottery drawing method according to claim 16, wherein for each prize drawing people array accumulation by described card payment terminal at the reserve fund of award-winner's accumulation not.

18. lottery drawing method according to claim 16, wherein the described bonus that provides to described award-winner is the use amount of money institute that uses with respect to described award-winner with the described award-winner corresponding amount of money of prize-winning probability of selection in advance.

19. lottery drawing method according to claim 16, even wherein in described payment/prize drawing management server, do not have under described group the state of classification according to described prize drawing object number, described payment/prize drawing management server described sequence number of payment that described disburser judges in the selected prize drawing object of described disburser number unit during based on the group information (prize-winning probabilistic information) selected described disburser according to described prize drawing object number whether with predetermined prize-winning sequence number coupling, thereby carry out prize-winning or prize-winning the processing.

20. lottery drawing method according to claim 16 is further comprising the steps of:

PC from described disburser sends described prize-winning probabilistic information in advance; And

The described prize-winning probabilistic information of registration on described payment/prize drawing management server,

Wherein said payment/prize drawing management server prize-winning information based on described registration when carrying out the sequence number establishment is come automatic sorted group, and need not described client's independent input.

21. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

On described payment/prize drawing management server, be given in the sequence number of payment in each group of classifying in advance according to described client after the last sequence number of payment in each son group of the selected prize drawing object of described client number according to payment;

Whether the described sequence number of payment of judging described client on described payment/prize drawing management server mates with predetermined prize-winning sequence number;

If described sequence number of payment and described predetermined prize-winning sequence number coupling, then the described disburser of judgement is award-winner on described payment/prize drawing management server, and the prize-winning information that accumulates in described group is sent to described card payment terminal;

22. the lottery system based on sequence number of payment, described lottery system comprises:

Disburser's PC is equipped with the key button and the Web browser that are used to generate payment signal and attested authentication information, and is equipped with the communication module that is used to send corresponding informance;

The on-line payment server, build in the online shopping commercial center, be used for receiving the Payment Request signal from described disburser's PC, the payment information of described commodity is sent to described disburser's PC, and carry out payment processes by the process payment that in described online shopping commercial center, is equipped with;

Financial server is used for carrying out by described on-line payment server, based on the described payment information that sends from described disburser's PC the card payment processes of the commodity amount of money; And

Payment/prize drawing management server, be used for providing sequence number in the payment group of classification in advance, and decision is prize-winning or prize-winning based on ID information from the described payment information of described on-line payment server and disburser's information and the described online shopping commercial center that provides in advance.

23. lottery system according to claim 22, wherein said payment/prize drawing management server comprises database, and described database storing is according to the sequence number of payment information of each group of the payment of classification in advance, ID information and award-winner's information of described online shopping commercial center.

24. lottery system according to claim 22 also comprises the portable terminal with the means of payment that are used to carry out mobile payment, described portable terminal replaces described disburser's PC.

25. lottery system according to claim 22 also comprises the disburser's who is used to carry out the ARS payment telephone terminal, described telephone terminal replaces described disburser's PC.

26. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Accept the payment signal from the disburser's that is connected to online shopping commercial center PC;

To send to payment/prize drawing management server from described on-line payment server from the ID information of the described disburser's of online paying server payment information and the described online shopping that provides in advance commercial center by data communication network;

On described payment/prize drawing management server, provide the sequence number of payment of the described client after the last sequence number of payment in the group of classifying in advance based on described card disburser's payment information;

If described sequence number of payment and described predetermined prize-winning sequence number coupling, the final payment after clearing on described payment/prize drawing management server are got rid of bonus from described client's payment then, and the information (prize information) of will winning a prize sends to described on-line payment server;

To get rid of the payment information of described bonus with being used to ask the credit inquiry of described card and the signal of card payment to send to financial server from described on-line payment server;

Described client's described payment information is sent to described on-line payment server from described financial server; And

Described prize-winning information is sent to described disburser's PC so that export at the screen of described PC together with described payment information from described payment/prize drawing management server.

27. lottery drawing method according to claim 26 is further comprising the steps of:

PC from described disburser sends prize-winning probabilistic information in advance;

The described prize-winning probabilistic information of registration on described payment/prize drawing management server;

Receive Customer Information and payment signal from described disburser's PC; And

Automatically the sequence number of extracting the prize-winning probabilistic information of described registration in advance from described Customer Information and carry out in the described prize-winning probability group on described payment/prize drawing management server is worked out.

28. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

When payment card by data communication network from the card payment terminal to payment/prize drawing management server transmission card number and card information, Termination ID number, payment information and the selected monthly payment plan information free of interest of client;

On described payment/prize drawing management server, provide the sequence number of payment of the described client after the last sequence number of payment in the group of classifying based on described card disburser's monthly payment plan information free of interest;

Whether the described client of real-time confirmation is award-winner on described payment/prize drawing management server;

If described client is not award-winner, then will send to described card payment terminal from described payment/prize drawing management server about described client's not prize-winning information;

Described payment information is sent to digital certificate server and financial payment server so that pay processing from described card payment terminal;

Described client's described payment information is sent to described card payment terminal from described financial payment server;

On described card payment terminal, described not prize-winning information is outputed on the receipt with described payment information;

If described client is award-winner, then described payment information and prize-winning information (monthly payment plan information free of interest) are sent to described card payment terminal from described payment/prize drawing management server based on monthly payment plan information described free of interest according to group;

Described payment information and the prize-winning information of monthly payment plan free of interest are sent to digital certificate server and financial payment server from described card payment terminal;

On described financial payment server, carry out described client's monthly payment plan free of interest and handle, and simultaneously described payment information is sent to described card payment terminal; And

On described card payment terminal, described prize-winning information (monthly payment plan information free of interest) is outputed on the receipt with described payment information.

29. lottery drawing method according to claim 28 is further comprising the steps of:

Send the selection signal that is used to select one of free of interest group of 3 months free of interest group, 5 months free of interest group and 12 months from described card payment terminal; And

On described payment/prize drawing management server, work out at the selected described free of interest group of sequence number of carrying out described client of described client.

30. lottery drawing method according to claim 29, wherein saidly on described payment/prize drawing management server, provide the prize-winning probability of distinguishing according to the monthly payment plan free of interest period according to the described free of interest group step of carrying out the establishment of described sequence number, make to select 3 months serial payment clients free of interest be classified in same group and one of per 3 people are decided to be award-winner, and select 5 months serial payment clients free of interest to be classified in same group and one of per 5 people are decided to be award-winner.

31. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

The gold of will providing a loan in advance on payment/prize drawing management server is specified and is categorized in a plurality of amount of money units;

Generate the loan event signal from the financial payment server of handling predetermined loan commodity;

By data communication network debtor's loan gold information and provide in advance the ID of financing corporation number are sent to described payment/prize drawing management server from described financial payment server;

On described payment/prize drawing management server, provide the sequence number of payment of the described client after the last sequence number of payment in the group of classifying in advance based on described debtor's loan gold information;

Compare to determine prize-winning or not prize-winning with predetermined prize-winning sequence number described client's the described sequence number of payment that provides;

If described client is award-winner, then extraction is used for adjusting described client's the loan interest rate or the adjustment information of loan principal according to preassigned interest discount rate of financing corporation or loan principal discount rate on described payment/prize drawing management server, and the information (prize information) of will winning a prize sends to described financial payment server; And

To send to the financial products buyer from described financial payment server according to the loan interest rate information that described bonus or loan principal adjustment information are adjusted.

32. lottery drawing method based on sequence number of payment, wherein said lottery drawing method is by judging whether given sequence number provides prize-winning income with predetermined prize-winning number coupling to award-winner, described prize-winning income is the interest rate of indication through adjusting under the situation of savings and installment savings commodity, and the chronological order with described savings and installment savings payment provides the described sequence number that provides in according to each group of savings and installment savings unit.

33. lottery drawing method based on sequence number of payment, wherein said lottery drawing method will be exchanged and money transfer amount is classified in groups, so that reduce the financial service expense of exchanging and remitting money and cause based on the sequence number that provides in the group of classifying, and when client is extracted into prize-winning number, exempt described service fee because of taking place according to described client's exchange and money transfer amount.

34. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Send card information, Termination ID number, payment information, sequence number establishment directional information (oppositely sequence number establishment or forward sequence number establishment) from the card payment terminal that the chain stores, is equipped with to payment/prize drawing management server;

Work out the sequence number of payment that direction provides described client by the sequence number that described payment/prize drawing management server is selected according to described client in the payment group of classification in advance;

If described sequence number of payment and described predetermined prize-winning sequence number coupling are judged on described payment/prize drawing management server that then described disburser is award-winner, and the information of winning a prize are sent to described card payment terminal;

On described card payment terminal, generate the payment signal of the payment of getting rid of described bonus;

In response to the described payment signal from described card payment terminal, execute card is paid on digital certificate server and financial payment server, and described payment information and prize-winning information are sent to described card payment terminal; And

35. lottery drawing method according to claim 34 if wherein described client selects reverse sequence number establishment, then provides described sequence number and selects reverse sequence number establishment until a payment client of follow-up sequence number on inverse direction.

36. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Send card information, Termination ID number, payment information and the selected sequence number jump of client information from the card payment terminal that the chain stores, is equipped with to payment/prize drawing management server;

Provide described client's sequence number of payment in the sequence number number of skips of in the payment group of classification in advance, selecting on described payment/prize drawing management server according to described client;

On described card payment terminal, described payment information and prize-winning information are outputed on the receipt.

37. lottery drawing method according to claim 36, wherein regardless of described sequence number number of skips, described sequence number is jumped and can be selected by described client.

38. lottery drawing method based on sequence number of payment, wherein the owner of chain stores can be per diem, by week and independent sequence number of payment establishment service monthly is provided, and in according to the group unit of payment, carry out the sequence number of payment establishment, and according to client's selection, carry out different sequence number establishments according to prize drawing object person array.

39. the lottery drawing method based on sequence number of payment, wherein the operator of chain stores repeatedly provides the change of sequence number of payment establishment according to the concrete workaday concrete time.

40. lottery drawing method based on sequence number of payment, wherein carry out described lottery drawing method by this way, in described mode, in the bar code (comprising radio frequency identification (RFID)) of every commodity that large-scale discount commercial center is sold, comprise and be used for according to information, make that when the described bar code of scanning the described sequence number of payment of processing is worked out in according to each group of a large sum of money more greater than the sequence number of payment establishment in each group of the more a large sum of money of payment.

41. lottery drawing method based on sequence number of payment, wherein said lottery drawing method by utilize electronic money as computer currency or advertisement watch integration, according to the amount of money with as described in the electronic money classification in groups, in each group, provide sequence number according to the application time, if and given sequence number and predetermined rank order coupling then determine that corresponding client is award-winner, so that the electronic money that accumulation is provided is as bonus.

42. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Be connected under the state of on-line payment server by disburser's telephone terminal the disburser, the personal information of sending via ARS by input generates the payment signal;

Send described disburser's payment information, buyer personal information and ID number of the home shopping commercial center that in advance provide from described on-line payment server to payment/prize drawing management server via data communication network;

On described payment/prize drawing management server, block disburser's payment information and the return of goods information that personal information is extracted described client based on described, and the information of more described extraction and reference number information;

If described payment client is the returning goods with reference to the client more than the pre-determined number in moon unit of returning goods, then be to obtain the client of sequence number establishment service in this middle of the month, and on described payment/prize drawing management server, generate the impossible information of sequence number establishment described customer classification;

If described payment client is the returning goods with reference to the client below the pre-determined number in moon unit of returning goods, then on described payment/prize drawing management server, provide the sequence number of payment after the last sequence number in the group of classifying in advance according to described payment client's described payment;

If described client is award-winner not, then send prize-winning information to described on-line payment server from described payment/prize drawing management server;

Output to described disburser's telephone terminal from described on-line payment server as voice by the ARS information (perhaps sequence number establishment can not Customer Information) of will not winning a prize;

To be used to ask the signal of the card payment of the credit inquiry of credit card and described card to send to financial server, so that pay processing from described on-line payment server;

Described prize-winning information (perhaps sequence number establishment can not information) is sent to described disburser's described telephone terminal by ARS from described on-line payment server as voice;

If described client is to obtain the client of sequence number establishment service and is award-winner, then in the final payment of clearing on described payment/prize drawing management server behind described client's the payment eliminating bonus;

To win a prize information (prize information) as the described telephone terminal of voice output to described disburser by ARS; And

On described on-line payment server, the amount of money of getting rid of described bonus is paid.

43. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Send described disburser's payment information, buyer personal information, ID number and the returned goods time restriction information of commodity of the home shopping commercial center that in advance provide from described on-line payment server to payment/prize drawing management server via data communication network;

Specify described client's sequence number establishment possibility period information based on the described described time restriction information of returning goods of blocking disburser's described payment information, described personal information and described card disburser; And

Generate the sequence number that is associated with described sequence number establishment possibility period information;

Described sequence number may period information be registered with described Customer Information and the establishment of described sequence number;

Described sequence number and the establishment of described sequence number may period information be sent to described on-line payment server from described payment/prize drawing management server;

On described on-line payment server, carry out payment processes by the credit card that uses described client;

Described sequence number, described payment information and described sequence number establishment service possibility period information are sent to described disburser's telephone terminal by ARS from described on-line payment server as voice;

When described sequence number establishment service may arrive the period, connect or ARS connects the described sequence number that provides in advance is applied to described payment/prize drawing management server from described client's telephone terminal by Web, to carry out commodity purchasing;

On described payment/prize drawing management server, extract described client's the described personal information and the described payment information of registration in advance, and specify the payment group based on described payment information based on described sequence number;

Whether carry out the sequence number establishment in described group on described payment/prize drawing management server, be award-winner to determine described client;

If described client is award-winner not, then on described payment/prize drawing management server, will not win a prize information as telephone terminal or the described client PC of voice output to described disburser by ARS; And

If described client is award-winner, then on described payment/prize drawing management server, bonus, described client's credit number and bonus payment reserve request signal is provided to financial server, so that lay in described bonus.

44. it is, further comprising the steps of: as when described client's phone or PC receive the purchase decision signal, to carry out the sequence number establishment at described payment/prize drawing management server according to the described lottery drawing method of claim 43.

45. lottery drawing method based on sequence number of payment, the reserve fund that wherein said lottery drawing method merges and accumulation sends from a plurality of chain storess when the purchase of customer commodity, and according to the selection of described client to concrete accumulation gold group, if described client's described reserve fund surpasses specifically with reference to the amount of money, determine that then described client is award-winner, so that give a discount or accumulate bonus.

46., may further comprise the steps according to the described lottery drawing method of claim 45:

The concrete accumulation gold of registration on payment/prize drawing management server;

Via data communication network card information, Termination ID number and payment information are sent to described payment/prize drawing management server from the card payment terminal;

Described payment information based on described card on described payment/prize drawing management server decides reserve fund, and accumulates described reserve fund by the amount of money that described reserve fund is added to previous accumulation;

On described payment/prize drawing management server, the described reserve fund and the described amount of money of registration in advance of paying client's accumulation is compared, whether surpass the described amount of money of registration in advance with the reserve fund of judging described accumulation;

If the reserve fund of described accumulation surpasses the described amount of money of registration in advance, then the described customer payment person of decision is award-winner on described payment/prize drawing management server, clearing are got rid of final payment behind the bonus from described client's payment, and the information (prize information) of will winning a prize sends to described card payment terminal;

The described payment information of getting rid of described bonus is sent to digital certificate server and financial server from described card payment terminal, so that pay processing;

If the reserve fund of described accumulation is less than the described amount of money of registration in advance, then determine described payment client to be award-winner not, and will send to described card payment terminal from described payment/prize drawing management server at the payment signal and the prize-winning information of described payment client's payment; And

Described payment information is sent to described digital certificate server and financial server so that pay processing from described card payment terminal, and will output on the receipt from the described prize-winning information that described payment/the prize drawing management server provides.

47. according to the described lottery drawing method of claim 45, wherein the reserve fund of the described accumulation that compares with the amount of money as prize-winning described registration with reference to gold in when payment comprises the reserve fund that the payment according to described client provides.

48. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

On payment/prize drawing management server from point of sale (POS) terminal that large scale business, is equipped with in the heart receive and registration about the information of big integration (BP) commodity;

On described payment/prize drawing management server, receive described payment information from described POS terminal, extract the described BP merchandise news of registration in advance in described shop, and the information of described extraction and the payment information of transmission are made comparisons, whether be contained in the described payment information to judge payment information about described BP commodity;

On described payment/prize drawing management server, exchange reserve fund at each commodity;

Extract group information according to the accumulation amount of money, and carry out the sequence number establishment in the corresponding group;

On described payment/prize drawing management server, work out to judge whether the disburser is award-winner based on described sequence number, and if described disburser be award-winner, then deduct bonus and pay processing;

The information of will winning a prize and payment information send to described POS terminal;

If have excess reserve, then directly accumulate described excess reserve; And

On described POS terminal, receive described payment information and described prize-winning information, and printing has the receipt of above-mentioned information so that offer client from described payment/prize drawing management server.

49. according to the described lottery drawing method of claim 48, wherein said BP commodity are the lipuid goods that have higher rate of conversion than other commodity.

50. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Receiving payment information from the card payment terminal (value-added network (VAN) terminal) that department store or chain stores, is equipped with on the payment/prize drawing management server, and calculating reserve fund at payment based on the reserve ratio of described chain stores;

On described payment/prize drawing management server, extract group information, and carry out the sequence number establishment in the corresponding group according to reserve fund;

The information of will winning a prize and payment information send to described card payment terminal, and if excess reserve is arranged then accumulate described excess reserve;

On described card payment terminal, receive described payment information and described prize-winning information, and printing has the receipt of above-mentioned information so that offer client from described payment/prize drawing management server;

Described receipt by utilizing described client to show, via the PC of chain stores or input block separately, and, will offer described payment/prize drawing management server at the append serial numbers establishment request signal of big integration (BP) commodity not via described VAN server;

On described payment/prize drawing management server, work out and judge that whether described disburser is award-winner, if described disburser is award-winner, then runs up to bonus described client's credit card based on described sequence number; And

PC or independent input block by described chain stores are exported described prize-winning information on screen or paper.

51. according to the described lottery drawing method of claim 50, if the BP commodity are wherein arranged when receiving payment information for the first time, then described payment/prize drawing management server calculates reserve fund without the reserve ratio of registration in advance that changes the described chain stores of application, ground, because described card payment terminal can't send indivedual merchandise newss.

52. according to the described lottery drawing method of claim 50, the excess reserve of the step of the described append serial numbers of wherein said generation establishment request signal after at the described reserve fund of deducting of described BP commodity generates sequence number establishment request signal, and described BP commodity are subjected to sequence number establishment for the first time with the deposit integration of actual BP commodity.

53. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Via the server of the publisher of gift token, by ARS, PC or separately input block gift token bought signal send to payment/prize drawing management server;

Whether carry out sequence number establishment service based on Customer Information and payment information on described payment/prize drawing management server, be award-winner to judge client; And

Described information is sent to the publisher of described gift token to carry out discount or reservation process from described payment/prize drawing management server.

54. the lottery system based on sequence number of payment, described lottery system comprises:

The financial payment server is provided in the paying centre of credit card company, is used for carrying out amount of money payment processes at the described credit card by described digital certificate server authentication;

Client's mobile phone, be used at payment/prize drawing management server registration cell-phone number and credit number so that handle described payment/given reserve fund of prize drawing management server automatically, and input be used for that described automatic reserve fund handles data are set so that generate processing signalization automatically; And

Described payment/prize drawing management server, be used to receive and register described cell-phone number from described client's mobile phone, described automatic processing integration configuration information and described credit number information, reception is from the amount of money Payment Request signal and the card information of described card payment terminal, payment information, client's cell-phone number or credit number information, automatically specify according to corresponding group in the middle of the group of classifying in advance of payment unit based on the set described process information of described client, sequence number of payment in providing described group, and determine the described sequence number that provides whether to mate with the processing of winning a prize, and the information of winning a prize is sent to described card payment terminal with preassigned prize-winning sequence number.

55. according to the described lottery system of claim 54, wherein said payment/prize drawing management server registration is about the information of each chain stores in the phonepages, to search for described information by described client's mobile phone.

56. according to the described lottery system of claim 54, wherein said payment/prize drawing management server comprises:

Authentication center, be used for based on the described card payment terminal of each chain stores ID number authenticate as media interviews control (MAC) address as described in the chain stores whether be related chain stores;

The group given processor is used to specify the sorted group in advance according to the payment that sends from described card payment terminal;

Processor is carried out in sequence number establishment, be used for according to the described client who applies from described card payment terminal described payment information, specified the make decision sequence number of payment of described client in described group of corresponding group state described group of given processor;

The cost settlement processor is used for deducting bonus with the described card payment terminal of the settling accounts described chain stores amount of money with payment from each client's described payment;

The Customer Information storage area is used to register each client's cell-phone number and credit number, and the automatic reserve fund processing type at each client is set;

Chain stores's information storage part is used to register the various search category information at each chain stores, so that described client searches for required chain stores information by mobile phone;

The data storage part, be used to store at ID number of the described card payment terminal of each chain stores and at each ID number related chain stores information, storage is at the sequence number of payment information of each payment group, and storage is about the described prize-winning information of each group; And

Control module, be used in described authentication center according to confirming from described payment information and chain stores's code that described card payment terminal provides whether described chain stores is associated by described gateway, under the state of having specified described payment group, confirm based on the described sequence number of payment in described group whether described client is award-winner, register the prize-winning probability integral information that described client selects in advance and when the payment signal is arranged subsequently, extract described client's described prize-winning probability integral information and the sequence number carried out described group in is worked out, receive described client's described signalization and carry out registration being set relevantly what described automatic reserve fund was handled with described client's mobile phone or credit number, each chain stores's information classification become a plurality of search categories so that to their search, and carry out described automatic reserve fund based on the information that when described payment signal occurring, is provided with and handle about each client.

57. according to the described lottery system of claim 56, the described automatic process information that wherein is stored in the described Customer Information storage area is registered as one of following configuration information: allow in sequence number establishment service, to use the one hundred percent reserve gold; The certain ratio and the accumulation excess reserve of one hundred percent reserve gold used in permission in sequence number establishment service; And allow in sequence number establishment service, to accumulate the one hundred percent reserve gold rather than use the one hundred percent reserve gold.

58. according to the described lottery system of claim 56, wherein said chain stores information storage part is stored as integration information (reserve fund information), the positional information of each chain stores, telephone number information, the merchandising information at each chain stores, the Special Events information that each chain stores provides.

59. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

On payment/prize drawing management server, receive and register from client's the PC or the membership information and the reserve fund of mobile phone and handle configuration information, cell-phone number information, credit number information;

The payment signal that will comprise payment information and credit number information sends to described payment/prize drawing management server from the card payment terminal that is equipped with the chain stores;

Described cell-phone number information and credit card information according to the described client who sends from described card payment terminal on described payment/prize drawing management server extract described client's configuration information;

On described payment/prize drawing management server based on the integration of handling client at each client's default automatic integration process information; And

The Integral Processing object information is sent to described card payment terminal from described payment/prize drawing management server.

60. according to the described lottery drawing method of claim 59, the described automatic integration process information at each client that wherein can be provided with in described payment/prize drawing management server is registered as one of following configuration information: allow in sequence number establishment service, to use the one hundred percent reserve gold; The certain ratio and the accumulation excess reserve of one hundred percent reserve gold used in permission in sequence number establishment service; And allow in sequence number establishment service, to accumulate the one hundred percent reserve gold rather than use the one hundred percent reserve gold.

61. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Category is classified from chain stores's discount rate information, positional information, telephone number information, Special Events information and the merchandising information of the PC or the mobile phone of chain stores on payment/prize drawing management server, and registers the information of described classification;

Classification information and the phone of selecting signal message from described client are sent to described payment/prize drawing management server so that carry out chain stores's search;

On described payment/prize drawing management server, search for concrete chain stores based on chain stores's search signal; And

Search Results is sent to described client's mobile phone or PC from described payment/prize drawing management server.

62. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

To be applied to payment/prize drawing management server from client's mobile phone based on the concrete chain stores search request signal of commodity menu, the discount rate that provides and positional information;

Search result information is sent to described client's mobile phone from described payment/prize drawing management server;

On described payment/prize drawing management server, receive the application of deposit in advance signal (reserve message such as number and expectation payment information) from described client's mobile phone;

On described payment/prize drawing management server, exchange reserve fund, and send described reserve fund by the described application information of laying in advance;

The described client's of acquisition described reserve fund transfers accounts on described payment/prize drawing management server;

On described payment/prize drawing management server, generate the integration (reserve fund) of the whole expectation payments that are used for described client, and described integration is sent to described client's mobile phone;

Generate sequence number establishment service request signal by described payment/prize drawing management server;

On described payment/prize drawing management server, carry out sequence number establishment service;

Be applied to described payment/prize drawing management server with paying the card payment terminal of signal from described chain stores;

Send the final payment of getting rid of described reserve fund from described payment/prize drawing management server; And

From described card payment terminal described payment information and prize-winning information are outputed on the receipt.

63. according to the described lottery drawing method of claim 62, further comprising the steps of: if confirm that based on described payment signal described client is award-winner, then from the amount information of described payment/prize drawing management server after described card payment terminal transmission is got rid of described reserve fund and bonus from described final payment.

64., further comprising the steps of according to the described lottery drawing method of claim 62:

If be applied to the signal of described payment/prize drawing management server is interim deposit application signal (reserve message such as number and expectation payment), then on described payment/prize drawing management server, receive described interim deposit application information, and described client's cell-phone number is registered with chain stores's information and interim reserve message by transmit leg indicated number service (CID);

Via data communication network the card number stored in the described credit card and card information, Termination ID number and payment information are sent to described payment/prize drawing management server from described card payment terminal;

Described credit number based on described client on described payment/prize drawing management server extracts Customer Information, and confirms whether described client is the interim deposit client who registers in advance;

If described client is described interim deposit client, then on described payment/prize drawing management server, generates the deposit integration of deciding through consultation, and carry out sequence number establishment service.

65. lottery system based on sequence number of payment, wherein,, delivery companies serves so that receiving by the sequence number establishment that described payment/prize drawing management server provides in the title that offers on client's the receipt authentication number created with payment and the date of payment, by payment/prize drawing management server, the ID of chain stores number and telephone number and chain stores.

66. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

On payment/prize drawing management server, receive authentication number request signal and absolute payment amount information and chain stores's code from PC of chain stores or mobile phone;

On described payment/prize drawing management server, receive described authentication number request signal and absolute payment amount information and described chain stores code, and with send from described chain stores describedly generate intrinsic authentication number information-relatedly and register described authentication number;

On the described PC of chain stores by in receipt, comprising and on paper from the described authentication number of described payment/prize drawing management server the described authentication number of output;

Described authentication number is sent to described payment/prize drawing management server from described client PC or mobile phone;

On described payment/prize drawing management server, extract above-mentioned information by described authentication number; And

On described payment/prize drawing management server, generate the integration corresponding and by using described integration to provide the sequence number establishment to serve with described payment.

67. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

Registration provides from the chain stores in digital certificate server and payment/prize drawing management server the main card signal that comprises authentication number request signal and absolute payment amount information and chain stores's code;

Main card number is sent to described digital certificate server from the card payment terminal of described chain stores;

To send to described payment/prize drawing management server from described digital certificate server from the payment signal of described digital certificate server, not handle and there is actual delivery;

On described payment/prize drawing management server, receive described authentication number request signal and absolute payment amount information and described chain stores code, generate intrinsic authentication number, and described authentication number is sent to the described card payment terminal of described chain stores;

On the described card payment terminal of described chain stores by the described authentication number that provides from described payment/prize drawing management server is provided in receipt in the described authentication number of paper output;

On described payment/prize drawing management server, generate the integration corresponding with described payment, and by using described integration that sequence number establishment service is provided.

68. the lottery system based on sequence number of payment, wherein the gift token of chain stores distribution comprises such as following content: the face amount information of the title of chain stores, gift token, can be used for the sequence number of fixedly period information that integration uses, integration face amount information, each commodity and when integration can expire with the period according to the interest rate information of period.

69. the lottery drawing method based on sequence number of payment, described lottery drawing method may further comprise the steps:

The sequence number with gift that provides from the PC or the mobile phone of chain stores and the gift token distribution of information of face amount are provided on payment/prize drawing management server;

Registration is at the described gift token distribution of information of each chain stores on described payment/prize drawing management server;

On described payment/prize drawing management server, receive sequence number and marketing information from the described gift token of the PC of described chain stores or mobile phone;

On described payment/prize drawing management server, register the marketing information of described gift token, and generate integration according to the sale of described gift token;

Enabling counting on described payment/prize drawing management server is so that calculate the period that can be used to use described integration;

Integration information is sent to client's mobile phone or PC from described payment/prize drawing management server;

Judging whether on described payment/prize drawing management server that having applied integration in described integration can be with the period uses request signal;

Use request signal if in described integration can be with the period, applied described integration, then on described payment/prize drawing management server, provide the sequence number establishment to serve;

Do not use request signal if in described integration can be with the period, apply described integration, then on described payment/prize drawing management server, reduce the integration that is provided, and enabling counting in case calculating according to the described interest rate of period; And

If sent gift token use signal from the card payment terminal of chain stores or the PC of chain stores, then end to be used for the counting that described interest rate calculates, calculating is exchanged into integration according to the described interest rate of period with described interest rate, and described integration information is sent to described chain stores.