Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q30/00—Commerce
  • G06Q30/02—Marketing; Price estimation or determination; Fundraising
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
  • G06Q50/34—Betting or bookmaking, e.g. Internet betting
• • G—PHYSICS
  • G07—CHECKING-DEVICES
  • G07F—COIN-FREED OR LIKE APPARATUS
  • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
  • G07F17/32—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
  • G07F17/3286—Type of games
  • G07F17/329—Regular and instant lottery, e.g. electronic scratch cards

Definitions

• the present invention relates to a lottery system and method based on a sequence number of payment. More particularly, the present invention is directed to a lottery system and method based on a sequence number of payment, which 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 which also discount the payment amount depending on the sequence numbering result for each winning probability by allowing customers to select the winning probabilities.
• the card payment method using the card type information storage medium credit cards with various card payment types have been applied, in which the credit cards include a universal credit card having all of lump-sum payment and installment plan payment service functions capable of using various goods or services in lump-sum payment or on the installment plan together with a cash service function allowing withdrawal of cash of a limited amount, and a goods payment card having only the lump-sum payment and the installment plan service functions which are issued by large goods stores such as departments themselves and compatible only in their own goods stores, excluding the cash service function.
• card chain stores induce more sales compared with non-chain stores, while further inspiring purchase desire of purchasers through the maximum reserve fund upon use of card or the gratitude event.
• the existing chain store system cannot have various events by chain stores, such as the payment lottery and so on.
• Another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount a payment amount of a prize winner by an amount that is obtained by aggregating certain rates of sales for each winning probability by means of allowing customers to select the winning probabilities and deciding the prize winner by means of giving a sequence number of amount payment for each winning probability group upon card payment or cash payment.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount a payment amount of a prize winner by an amount that is obtained by designating sequence number groups by days of the weekday, weeks or months, aggregating winning moneys of certain rates of sales for each sequence number group, and deciding the prize winner by giving a sequence number of payment for each sequence number group upon card payment and cash payment.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which provide a purchaser of goods having a particular winning number with a winning money which is obtained by aggregating certain rates by selling sequence of each goods upon purchase and payment of the goods by designating a certain manufacturing number as a winning number by a manufacture in advance upon release of goods and store the related information in a server.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount the rate of interest and various kinds of service charges by aggregating certain rates of service charges which occur when each finance company sells finance goods and sets a particular event number as a prize winner for each group that is made by selling prices of each goods, depending on an event occurrence number upon occurrence of finance payment events such as loan, remittance, etc.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which discount a payment amount by deciding a specific prize winner through a payment sequence numbering within each group that is grouped by selling prices of each goods upon payment using mobile or ARS, and also allow customers to select prize winning probabilities to decide the scale of each group.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which integrate and accumulate reserve funds provided by plural chain stores upon purchase of goods of consumers, decide a particular consumer to be a prize winner if the accumulated reserve fund exceeds a particular reference amount upon accumulation of reserve funds by the consumer s selection for a specific accumulated amount group, and discount or reserve a winning money.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which increase the visit number of times of consumers to stores through selling of goods and promote consumption of other goods, by providing an event sequence numbering service with a discount by accumulating a more reserve fund than other goods by means of offering and accumulating part of a reduced amount for specific discount event goods as a reserve fund for the lottery system.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which give to a prize winner a discount by an amount that is collected by integrating and accumulating reserve funds provided upon purchase of various kinds of gift certificates using credit cards or cash, and deciding a prize winner through a payment sequence numbering.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which allow a customer to use a certain rate of a reserve fund as a point for a sequence numbering service and a residual reserve fund to be accumulated depending on preset information of the consumer upon issuance of a payment signal, by registering a customer s credit card number and a hand phone number in a payment/lottery management server and further registering reserve fund process information for each customer upon payment.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which allow each customer to search an appropriate chain store by selection of a specific area, an upper order of a discount rate, a specific event occurrence chain store, and selling goods in a desired category through a hand phone, by classifying discount rate information, position information, telephone information, special event information, and selling goods information by categories as chain store information and registering these information in a payment/lottery management server using a chain store PC.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which offer a sequence numbering service before payment, by making in a manner that a payment/lottery management server provides a customer with a point for the numbering service corresponding to a total expected payment amount for his or her advance use when there is receipt of application for reservation through his or her application for reservation, input of reservation information and transfer of reservation amount.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which allow a customer to receive a sequence numbering service by connecting to a payment/lottery management server via his or her PC or hand phone, after getting an authentication number of a point for a sequence numbering which is available for its output on a receipt from the server by inputting payment information from a delivery company to the server.
• Still another object of the present invention is to provide a lottery system and method based on the sequence number of payment, which provide a point for a sequence numbering that can be used within a certain period of time by registering an authentication number of a gift certificate in a payment/lottery management server upon issuance thereof by chain stores, additionally provide a certain interest rate by computing a period until prior to use of the gift certificate if the certain period of time has expired, and promote the circulation of the gift certification of the chain store by providing additional benefits upon purchase of the gift certificate by the customer by automatically deleting the point.
• the lottery system and method based on the sequence number of payment of the invention discounts a payment amount or offers a cyber money by giving a payment sequence number for each group pre-classified by payment amounts and deciding a winning or non-winning by comparison of the given sequence number and a predetermined winning number, upon payment for good amount through a credit card or cash.
• the lottery system and method of the invention can revitalize consumption, increase sales of each chain store, and provide winning money which is proportional to a used amount to a customer. Further, if the payment amount is large, the customer can participate in the payment sequence numbering service by a division method, thereby improving the winning probability.
• the customer can determine the number of persons of a corresponding group who are participated in the payment sequence numbering service, like 10 persons, 20 persons, 30 persons, etc.
• the lottery system and method of the invention can elevate the winning probability, while in case of choosing a group of greater number of persons, the lottery system and method of the invention can increase the winning money. Therefore, the lottery system and method of the invention has an advantage that it can promote consumption and select a lottery method based on the intention of the customer.
• FIG. 1 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a first embodiment of the present invention
• FIG. 2 is a diagram describing a payment sequence numbering status of the lottery system based on the sequence number of payment in accordance with the first embodiment of the present invention
• FIG. 3 is a diagram describing a sequence numbering status by payment amounts in the lottery system based on the sequence number of payment in accordance with the first embodiment of the present invention
• FIG. 4 is a block diagram showing a structure of the payment/lottery management server in accordance with the first embodiment of the present invention
• FIGs. 5 and 6 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the first embodiment of the present invention
• Fig. 7 is a diagram illustrating a progress status of a lottery system based on the sequence number of payment in accordance with a second embodiment of the present invention
• Fig. 8 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the second embodiment of the present invention
• Fig. 9 is a block diagram showing a structure of a payment/lottery management server in accordance with a third embodiment of the present invention
• Fig. 10 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the third embodiment of the present invention
• FIG. 11 is a diagram showing a customer selection signal generation status of a lottery system based on the sequence number of payment in accordance with a fourth embodiment of the present invention
• Fig. 12 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fourth embodiment of the present invention
• Fig. 13 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a fifth embodiment of the present invention
• Figs. 14, 15 and 16 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifth embodiment of the present invention
• FIG. 17 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a sixth embodiment of the present invention
• Figs. 18 and 19 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the sixth embodiment of the present invention
• Fig. 20 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a seventh embodiment of the present invention
• Fig. 21 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with the seventh embodiment of the present invention
• Fig. 21 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with the seventh embodiment of the present invention
• FIG. 22 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with an eighth embodiment of the present invention
• Fig. 23 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the eighth embodiment of the present invention
• Fig. 24 is a diagram showing a data flow of a lottery system based on the sequence number of payment in accordance with a ninth embodiment of the present invention
• Fig. 25 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the ninth embodiment of the present invention
• FIG. 26 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a tenth embodiment of the present invention
• Fig. 27 is a schematic diagram illustrating a structure of the lottery system based on the sequence number of payment in accordance with the tenth embodiment of the present invention
• Figs. 28 and 29 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the tenth embodiment of the present invention
• Fig. 30 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with an eleventh embodiment of the present invention
• Fig. 30 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with an eleventh embodiment of the present invention
• FIG. 31 is a block diagram showing a structure of the payment/lottery management server in accordance with the eleventh embodiment of the present invention.
• Fig. 32 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the eleventh embodiment of the present invention.
• Fig. 33 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with a twelfth embodiment of the present invention;
• Figs. 34 and 35 are flowcharts showing a signal flow of a lottery system based on the sequence number of payment in accordance with a thirteenth embodiment of the present invention; [61] Fig.
• Fig. 36 is a flowchart showing a receipt for a delivery company of a lottery system based on the sequence number of payment in accordance with a fourteenth embodiment of the present invention
• Figs. 37 and 38 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fourteenth embodiment of the present invention
• Fig. 39 is a diagram showing a gift certificate for chain stores of a lottery system based on the sequence number of payment in accordance with a fifteenth embodiment of the present invention
• Fig. 40 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifteenth embodiment of the present invention.
• FIG. 1 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment according to a first embodiment of the present invention.
• the lottery system based on the sequence number of payment is a system which discounts a payment amount of a prize winner by an amount that is computed by giving a sequence number of amount payment for each payment amount group upon occurrence of card payment or cash payment, and aggregating certain rates of sales of non-winners.
• the lottery system based on the sequence number of payment of this embodiment classifies payment amounts into diverse groups when customers make card payment or cash payment at various places such as chain stores or departments, and gives a sequence number of such payment for each payment amount group when payment amount information is applied, to thereby automatically process a certain number within a corresponding group as a prize winner and discount the payment amount by a winning money.
• the control of this payment process is basically conducted by a remote server. If a sequence numbering processor of the remoter server is built in a chain store s payment terminal, payment amounts can be classified into several groups by chain stores and the sequence numbering process can be conducted.
• a credit card CD can be utilized to make amount payment for purchase of certain goods or for use of services based on its card number and card membership information in the form of a non-contact type card such as RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.
• card payment terminals Al-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit card.
• each terminal can recognize information contents written in the credit card and generate a payment signal to remotely get electronic authentication.
• the terminal Al-An can perform a signal manipulation for a separate input of payment amount and for request of a sequence numbering service to include a purchaser in the object of the lottery provided by the present invention although a goods purchaser makes cash payment, instead of using various cards such as a credit card, a cash card, a debit card, etc.
• the terminal Al-An inquires card information of the credit card for purchase payment of goods being sold by an affiliated chain store at which those terminals are installed, or for payment of service usage, it first classifies the payment amount by the credit card into groups. Then, if a sequence number of card payment within a target group matches a specific sequence number predetermined by this embodiment, the terminal recognizes a person making payment of the specific sequence number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays the winning or non- winning that is provided according to conduction of card payment on a screen of the terminal in real times, and prints particulars on the prize winning.
• the proprietor of the chain store selects a cash purchaser button of the card inquiry terminal Al-An, and inputs personal information and payment amount information.
• the payer is also included in the object of the lottery by payment amount groups.
• the card payment terminal Al-An provided in the chain stores and so on may be constituted by a separate card payment terminal that adds a PC function to the general credit card terminal function.
• the proprietor of the chain store may provide the lottery service based on the sequence number of payment oneself according to his or her will, and may also give gift or winning money depending on the visit sequence of customers by chain stores.
• the card payment terminal Al-An should be provided with a memory for storing sequence number information for each payment group, and also with a sequence numbering lottery processor for performing a sequence numbering process for each payment.
• a credit card CD presented by a goods purchaser is a credit card issued by a non- chain company
• it is also embodied in a manner that personal information data and so on are extracted and included in the object of the lottery, in addition to its card number and sale details, or included therein in the same manner as the cash purchaser. Therefore, the object of purchasers using the lottery system according to this embodiment is not particularly limited, but widely includes a cash purchaser, an affiliated company credit card purchaser, an unaffiliated company credit card purchaser, a debit card purchaser, etc.
• an electronic authentication server receives the card number of the credit card and the sale details through a data communication with the card inquire terminal Al-An which is installed at the affiliated chain stores over a data network, and performs a transmission of card credit inquiry information and an approval process of amount payment.
• the electronic authentication server ES gives a sequence number of card payment in each group by payment amounts based on the payment amount information that is created when the users use credit cards for the card inquiry terminal Al-An, and decides the credit card s user to be a prize winner in real times when the given sequence number matches a predetermined specific sequence number. Besides, it sends information on the winning result to the prize winner, which is one of the card inquiry terminals inquiring the credit card, via the data communication network.
• a second database DB2 stores card numbers for card payment approval of users credit cards, each sale amount information of approved cards, and card information.
• the financial resources of winning money in the lottery are prepared by aggregating certain rates of purchase amounts for each purchaser from a corresponding chain store, and are provided to the purchaser of the specific sequence number.
• the winning money can be distributed more reasonably by providing it differently depending on the payment amount of each customer.
• the present invention conducts a sequence numbering lottery based on sequence number information a group that is classified into the range of 200,000 to 300,000 won. At this time, if the customer is given a preset number indicative of the sequence number of payment, he or she can get winning money more than a case of making payment of 150,000 won.
• the winning money for each payment amount is different if the payment sequence numbering of the customer for the lottery is performed separately by groups in a state where each of the winning reserve funds by payment amount ranges such as 100,000 won range, 200,000 won range, 300,000 won range, , etc., is reserved separately.
• the customer purchasing more goods can get more winning money.
• a finance payment server CBS 1 is installed in a credit card company issuing the credit card, department, large discount mart, a total management center of each chain store, etc, and performs authentication and card payment for the purchaser based on the card number that is used upon payment of the credit card and sale details information, and its approval or disapproval, sent from the electronic authentication server ES over a value added network (VAN).
• VAN value added network
• the finance payment server CBSl receives sale details information from each card inquiry terminal Al-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and makes card payment thereon.
• a payment/lottery management server PSLMS accepts the card information and sale details from the card payment terminal Al-An installed in the chain stores, gives a sequence number of payment within a pre-classified payment amount group, and decides the winning or non-winning. If a purchaser or a payer is decided to be a prize winner, the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is affiliated with the server PSLMS, the server PSLMS sends the winning or non- winning information to the card payment terminal Al-An to make payment for a payment amount excluding the winning money.
• an issuer of the card for example, a credit card company, a large discount mart, department, or the like
• the winning money may be provided by reducing the payment amount that the purchaser will pay to the issuer (for example, a credit card company, a large discount mart, department, or the like), or by transferring it to a deposit account of the payer.
• the winning money may be given in the form of a reserve fund of the chain store, game money, or the like, instead of supplying the winning money.
• Fig. 2 is a diagram describing a payment sequence numbering status of the lottery system based on the sequence number of payment according to the first embodiment of the present invention.
• Fig. 3 is a diagram describing a sequence numbering status by payment amounts in the lottery system based on the sequence number of payment according to the first embodiment of the present invention.
• the server PSLMS designates a group of each customer by using the sequence number information for the pre-classified groups depending on the payment amount upon payment by credit cards possessed by the users or upon a cash payment, as shown in Fig. 2, and confirms the payment sequence number within the corresponding group, to thus judge whether or not the customer is a prize winner.
• the groups by payment amounts are classified into a 100,000 won group, a 200,000 won group, a 300,000 won group, , etc, the 100,000 won group is progressed by 5 in the sequence number of payment, the 200,000 won group is progressed by 9 in the sequence numbers of payment, and the 300,000 won group is progressed by 2° in the sequence number of payment, and the customer of each of 10 , 20 , and 30 sequence numbers of payment is decided to be a prize winner in advance. Under the assumption, if a new customer makes payment of 250,000 won goods, the customer becomes the prize winner since he or she falls in the l ⁇ ' sequence number of payment within the 200,000 won group.
• the winning sequence numbers are 20 , 40 and 60
• the winning money of the corresponding group will be 36,000 to 53,998 won.
• the chain store equipped with the card inquiry terminal Al-An supplies a certain rate of each card sale amount so that the amount obtained by summing up the certain rates is used as the financial resources of the winning money.
• the proprietor of the chain store may progress a separate event oneself, may further increase the supply rate which becomes the financial resources of the winning money, and may freely adjust the object unit of the winning sequence number.
• the PSLMS server to convert the winning money into a free purchase ticket of goods or gift certificate being sold by the goods purchase place and then provide the same if the credit card is a card issued by the goods purchase place such as department or large discount mart.
• a first database DB 1 stores group information by payment amounts including both the card payment and the cash payment and information on a payment sequence number for each group. Further, it stores sale amount information by card usage by approved cases of each user secured as a usage membership of a payer, membership information of a prize winner, winning sequence number information, and winning money information. Also, a third database DB3 stores card numbers and subscriber personal information by the card numbers, and payment information by card numbers and payment chain store information.
• the customer may directly select any of payment groups for the lottery in the payment/lottery management server PSLMS. For example, if the payment amount made by the customer is 500,000 won, he or she may get the payment sequence numbering service in the 100,000 won group five times. Therefore, a customer making 500,000 won payment can have winning probability five times, compared with a customer making 100,000 won payment.
• Fig. 4 is a block diagram showing a structure of the payment/lottery management server in accordance with the first embodiment of the present invention.
• the payment/lottery management server PSLMS includes gateways, a connection part, an authentication center (AUC), a connection sensing processor, a group designation processor, a sequence numbering execution processor, a chain store cost settlement processor, a data storage part, and a control module.
• Each of the gateways (WEB, WAP gateway) 2a to 2n is for matching data transmitted through a web network and a radio Internet network with a protocol in the server PSLMS.
• the connection part 4 serves to connect data provided though the gateways 2a to 2n to an inside module of the server PSLMS.
• the AUC 6 is a processor which authenticates whether or not a chain store is an affiliated chain store based on an identification (ID) number such as an MAC address of the card payment terminal Al-An of the chain store.
• ID identification
• the connection sensing processor 8a functions to check the connection status of the card payment terminal Al-An of each chain store.
• the group designation processor 8b designates pre-classified groups by payment amounts of customers transmitted from the card payment terminal Al-An, wherein a group for a payment amount of a specific customer is designated when the payment amount information is applied from the terminal Al-An.
• the sequence numbering execution processor 8c in a state where the group is designated in the group designation processor 8b, decides a payment sequence number of a target customer within the group, depending on the payment amount information of the customer provided from the card payment terminal Al-An.
• the chain store cost settlement processor 8d settles amounts to be paid by the card payment terminal Al-An of the chain store by subtracting the winning money from the payment amount for the customer.
• the data storage part 10 stores the ID number of the card payment terminal Al-An of each chain store and affiliated chain store information by the ID numbers. In addition, it stores payment sequence numbering information by payment amount groups and winning information for each group.
• control module 12 based on the payment amount information and chain store codes provided from the card payment terminal Al-An through the gateway 2a- 2n, confirms whether or not each chain store is an affiliated chain store through the AUC 6, and confirms whether or not each customer is a prize winner depending on the payment sequence number within the corresponding group in the state where the groups by payment amounts are designated.
• FIGs. 5 and 6 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the first embodiment of the invention.
• the lottery system based on the sequence number of payment of this embodiment has signal flows classified by a card payment customer and a cash payment customer, wherein Fig. 5 shows a signal flow for the card payment customer and Fig. 6 shows a signal flow for the cash payment customer.
• Fig. 5 illustrates a procedure of making payment using a credit card issued by a finance company that is affiliated with the pay/lottery management server PSLMS.
• the server PSLMS performs a payment sequence numbering process of each customer for each group by classifying payment amounts into plural groups. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in the purchase place of goods or chain store of services out of the card payment terminals Al-An.
• the card payment terminal Al-An sends the card number and card information stored in the credit card, a terminal ID number and payment amount information to the server PSLMS via the data communication network. Then, the server PSLMS gives a payment sequence number after a previous payment sequence number within the pre-classified group based on the payment amount information of the card payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is non- winner, it sends non- winning information of the customer to the card payment terminal Al-An.
• the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 19 which is the prior number of the prize winner .
• the card payment terminal Al-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBSl sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs the winning information provided from the server PSLMS on a receipt, together with the payment information.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the card payment terminal Al-An. Then, the card payment terminal Al-An sends the payment information excluding the winning money to the electronic authentication server ES, to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBSl sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs the winning information sent from the server PSLMS on a receipt, together with the payment information.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.
• the server PSLMS performs the payment sequence numbering process for each group by classifying payment amounts into plural groups. If a cash user makes cash payment for a purchase amount of goods or a usage fee of services, the proprietor of the chain store inputs payment amount information using the card payment terminal Al-An. Next, the card payment terminal Al-An sends the payment amount information and its ID number to the server PSLMS.
• the server PSLMS gives a payment sequence number after a previous payment sequence number within one of the groups pre-classified by payment amount units based on the payment amount information of the cash payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner in real times. If the customer is non-winner, it sends non- winning information of the customer to the card payment terminal Al-An.
• the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 19 which is the prior number of the prize winner . Then, the card payment terminal Al-An outputs the message data on a receipt by including it therein.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the card payment terminal Al-An. Then, the card payment terminal Al-An discounts the payment amount based on the payment information excluding the winning money, and outputs a receipt including the winning information and the payment information.
• FIG. 7 is a diagram illustrating a progress status of a lottery system based on the sequence number of payment in accordance with a second embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which discounts a payment amount of a prize winner by an amount that is obtained by aggregating winning moneys of certain rates of sales by winning probability groups by allowing customers to select various winning probabilities upon card payment or cash payment, and deciding a prize winner through the payment sequence numbering by the winning probability groups.
• the lottery system based on the sequence number of payment of this embodiment is a system which allows the customers to select winning probabilities directly upon payment.
• the winning probability means whether the sequence numbering is performed in a group where one of 10 persons is selected as a prize winner, in a group where one of 30 persons is selected as a prize winner, or in a group where any one of 50 or 100 persons is selected as a prize winner. That is, the winning probability refers to a probability which selects the number of persons involved in the object of the lottery and is different according to the selected number of persons. For example, 10% of a usage amount is discounted or reserved to a prize winner who has the winning probability of 10%.
• the financial resources of the winning money are provided by accumulating certain rates of sales of previous non-winning payers. Therefore, a case of selecting one prize winner out of a 10-person group (10% winning probability) is different from a case of selecting one prize winner out of a 20-person group (5% winning probability). That is, the winning money paid to a person who has a sequence number matching a preset sequence number out of the 20 persons is greater than that paid to a person who has a sequence number matching a preset sequence number out of the 10 persons. More specifically, the prize winner gets more winning money, whereas one prize winner is selected among 20 persons, which shows a lower winning probability than the 10% sequence numbering group.
• selecting one prize winner out of 10 persons has a higher winning probability than selecting one prize winner out of 20 persons.
• the lottery system based on the customer sequence number of payment of this embodiment largely decides the winning probability in two types as follows. One of them will be described in the following second embodiment and the other will be described below without referring to the drawings.
• one of the types of deciding the winning probability is a type of classifying the number of persons in the object of the lottery into groups as mentioned above and then giving a sequence number of payment in a winning probability group selected by the customer among the groups upon payment, and the other type is a type of deciding the winning or non- winning by customers depending on the winning probability selected by the customer regardless of the groups.
• the payer in a state where the sequence number of the prize winner is assumed to be 0 as a reference point, in case one person makes payment in the 10 sequence number, the payer is decided to be a prize winner if he or she selects 10-person winning probability, and to be non- winner if he or she selects 20-person winning probability. Further, if the payer is non- winner, a payer following that payer becomes an 11 payment sequence number. Therefore, the payer may be a prize winner or may be non- winner according to the selected winning probability. If the payer is non- winner, only one payment sequence number is added to decide the sequence number of a next payer.
• Fig. 6 shows the way of giving the sequence number of payment through selection of the first winning probability, and therefore, it needs the same technical structure as depicted in Fig. 1 to do so.
• the credit card is utilized to make amount payment for purchase of certain goods or for usage of services based on its card number and card membership information in the form of a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.
• a non-contact type card such as an RF-IC card, etc
• a contact type card such as a magnetic card, an IC card, etc.
• card payment terminals Al-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards.
• each terminal can recognize information contents written in the credit card, generate a payment signal to remotely get electronic authentication, and generate one winning probability signal selected by the customer among the pre-classified winning probabilities.
• the terminal Al-An can perform signal manipulation for a separate input of payment amount and for request of sequence numbering services to include a purchaser in the object of the lottery provided by the present invention although the purchaser makes cash payment.
• the terminal Al-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain store at which the terminal is installed, or for payment of a usage fee of services, it first classify the payment amount by winning probability groups according to a selection of the customer upon payment by the credit card. Then, if a sequence number of card payment in a group matches a specific sequence number predetermined according to the embodiment of the invention, the terminal recognizes a payer having the specific sequence number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non- winning information that is provided according to the conduction of the card payment on a screen thereof in real times, and prints particulars thereon.
• the proprietor of the chain store selects a cash purchaser button on the card inquiry terminal Al-An, and inputs personal information and payment amount information. Then, even in case of making the cash payer, it is preferable that the payer is included in the object of the lottery by winning probability groups selected by the customer.
• the card payment terminal Al-An should be provided with a memory for storing the sequence number information by winning probability groups selected by the customers, and also with a sequence numbering processor for conducting the sequence numbering for each payment.
• a credit card provided by a goods purchaser is a credit card issued by an un- affiliated company, it is designed in a manner that personal information data and so on are extracted and included in the object of the lottery in addition to the card number and sale details, or included therein in the same manner as the cash purchaser. Therefore, the object of purchasers using the lottery system according to this embodiment is not particularly limited, but widely includes a cash purchaser, an affiliated company s credit card purchaser, an unaffiliated company credit card purchaser, a debit card purchaser, etc.
• an electronic authentication server ES receives the credit card s number and sale details through data communication with each card inquire terminal Al-An installed at the affiliated chain stores over the data communication network, and performs a transmission of card credit inquiry information and an approval process of amount payment.
• the electronic authentication server ES gives a sequence number of card payment for each winning probability group selected by the customer based on the payment amount information that is created when the users use credit cards for the card inquiry terminal Al-An, and decides a credit card corresponding to a predetermined sequence number to be a prize winner when the given sequence number matches the predetermined sequence number. Besides, it sends information on the winning result to the card inquiry terminal inquiring the credit card, which is the prize winner, via the data communication network.
• the second database DB2 stores card numbers for card payment approval of credit cards possessed by the users, sale amount information of each approved card, and card information.
• the financial resources of the winning money are prepared by aggregating amounts of certain rates of purchase moneys created by plural purchasers from the corresponding chain store, and is furnished to the purchaser having the predetermined sequence number.
• the winning money can be distributed more reasonably by providing it differently depending on the winning probability selected by the customer.
• the present invention accumulates certain rates of sales generated by 10 payers and then provides it to one prize winner.
• the payer selecting the winning probability 10 will accept smaller winning money, but have a higher winning probability, as compared with a payer who selects a winning probability 20 .
• a finance payment server CBSl is installed in a credit card company issuing the credit card, department, large discount mart, a total management center of various kinds of chain stores, etc. It performs authentication and card payment of the purchaser based on the card number, sale details information, and approval or disapproval information, sent from the electronic authentication server ES over a VAN upon payment of the credit card.
• the finance payment server CBSl receives sale details information from the card inquiry terminal Al-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.
• the payment/lottery management server PSLMS accepts the card information and sale details and the winning probability information selected by the customer, provided from the card payment terminal Al-An installed in the chain stores, gives a sequence number of payment within each group pre-classified by winning probabilities, and decides whether or not the customer is a prize winner. If a purchaser or a payer is decided to be a prize winner, the server PSLMS judges as to whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is affiliated with the server PSLMS, the server PSLMS sends the winning or non- winning in- formation to the card payment terminal Al-An, to make payment for a payment amount excluding the winning money.
• an issuer of the card for example, a credit card company, a large discount mart, department, or the like
• Fig. 8 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the second embodiment of the present invention.
• the server PSLMS performs the sequence numbering process by winning probability groups selected by customers. If a card user makes payment for a purchase amount of goods or a usage fee of services through his or her credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals Al-An.
• the card payment terminal Al-An sends the card number and card information stored in the credit card, a terminal ID number, payment amount information and winning probability information selected by the customer to the server PSLMS via the data communication network. Then, the server PSLMS gives a payment sequence number after a previous payment sequence number within the group classified based on the winning probability information selected by the card payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is non- winner, it sends the non- winning information to the card payment terminal Al-An. For example, the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 19' which is the prior number of the prize winner . Then, the card payment terminal Al-An sends a payment signal to the electronic authentication server ES, to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBSl sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer based on the winning money information for each group, and sends the winning information (winning amount information) to the card payment terminal Al-An.
• the server PSLMS judges a used amount of the customer, accumulates certain rates of the used amount of 20 persons, and decides the accumulated money as the winning money. Therefore, the winning money given by the server PSLMS is different depending on the used amount of the customer, even within the same winning probability group. In conclusion, this leads to the promotion of consumption and eventually to the effect of economic stimulation.
• the card payment terminal Al-An sends the payment information excluding the winning money to the electronic authentication server ES, to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBSl sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there is the prize winner.
• the server PSLMS judges whether or not the payer is a prize winner by the payment sequence numbering process which is based on the payment amount information and the winning probability information provided from the terminal Al-An.
• the payer in the state where the sequence number of payment of the prize winner is assumed to be 0 as a reference point, if one payer makes payment in the 10 sequence number, the payer is decided to be a prize winner if he or she selects 10-person group winning probability, and to be non- winner if he or she selects 20-person group winning probability. Further, if the person making payment is non- winner, a payer following that payer becomes an 11' sequence number of payment. Therefore, the payer may be a prize winner or may non- winner according to the winning probability selected by him/her. If the payer is non- winner, only one sequence number of payment increases, which decides a payment sequence number of a next payer.
• the server PSLMS performs the information updating process by considering the fact that the number of the non-winners is 99.
• the payment sequence number of the payer is also 100 and therefore decided to be a prize winner. And, 50% of the used amount of the prize winner is given as the winning money.
• the server PSLMS performs information updating process by considering the fact that the number of the non- winners is 50.
• the present invention can combine the first and the second embodiments as described above.
• the present invention can establish a system which separately classifies the groups by the winning probabilities selected by the customers within the groups by the payment amounts of the customers, decides the prize winner by conducting the payment sequence numbering process, and tenders the reserve fund accumulated until prior to occurrence of the prize winner as the winning money.
• FIG. 9 is a block diagram showing a structure of a sever PSLMS in accordance with a third embodiment of the present invention.
• the lottery system using based on the sequence number of payment through the chain store payment terminal of this embodiment is a system which presets various winning probability points which will be participated as the sequence number information of the customers upon payment in the server PSLMS, so that it automatically extracts the preset various winning probability group information through the sequence number information at the time of making payment without a separate customer selection signal, and executes the sequence numbering.
• the winning probability points are used for the customers to select the winning probabilities themselves in such a way to tender the winning money by regarding the prepaid 9 persons as non- winners and the 10 payer as the prize winner if the customer selects the 10% winning probability point.
• the winning probability point selected by the customer is 10%, 10% of the used amount of the customer is discounted or accumulated as the winning money.
• the proprietor of the chain store provides certain rates of sales (e.g.,
• the server PSLMS supplies the winning money to the prize winner with the financial resources. Therefore, although there exists only one prize winner out of 10 persons within the 10% winning probability point group, the winning money is not supplied to the 10 prize winner by accumulating reserve funds of 9 persons before the prize winner. But, a certain rate of an average used amount becomes an average accumulated reserve fund by computing an average used amount, an average accumulated reserve fund and an average winning money paid amount. At this time, the average accumulated reserve fund is used as the financial resources of the winning money and tendered to the prize winner.
• the server PSLMS automatically extracts the preset winning probability point group information through the sequence number information of the customer without a separate customer selection signal at the time of payment of the customer and then executes the sequence numbering. By doing so, the customer does not conduct any separate selection and thus can offer convenience to the customer.
• the server PSLMS is provided to register the sequence number information
• winning probability point for each customer from the customer PC PCl-PCn, decide the prize winner by extracting the pre-registered sequence number information of the customer depending on the payment signal sent from the chain store terminal Al-An and automatically executing the sequence numbering within the winning probability point group, and offer information to tender the winning money or make discount payment.
• the server PSLMS is constituted by gateways, a connection part, an authentication center AUC, a connection sensing processor, a group designation processor, a sequence numbering processor, a chain store cost settlement processor, a customer sequence numbering processor, a data storage part, and a control module.
• Each of the gateways (WEB, WAP gateway) 2a to 2n is for matching data transmitted through a web network and a radio Internet network with a protocol in the server PSLMS.
• the connection part 4 serves to connect data provided though the gateway 2a- 2n to an inside module of the server PSLMS.
• the AUC 6 is a processor which authenticates whether a chain store is an affiliated chain store based on an ID number such as an MAC address of the card payment terminal Al-An of each chain store, or whether the customer is which customer depending on the customer information sent from the customer PC PCl-PCn.
• the connection sensing processor 8a functions to check the connection status of the card payment terminal Al-An and the customer PC PCl-PCn of each chain store.
• the group designation processor 8b designates groups pre-classified by payment amounts of customers transmitted from the card payment terminal Al-An, wherein a group corresponding to a payment amount is designated when the payment amount information of a specific customer is applied from the terminal Al-An.
• the sequence numbering execution processor 8c in a state where the group is designated in the group designation processor 8b decides a sequence number of payment of the customer within the group, depending on the payment amount information of the customer from the card payment terminal Al-An and the sequence number information (winning probability point) preset by the customer.
• the chain store cost settlement processor 8d settles amount to be paid by the card payment terminal Al-An of the chain store by subtracting the winning money from the payment amount for the customer.
• the customer sequence numbering processor 8e registers winning probability point information selected when the customer connects thereto using the customer PCs PCl-PCn via the web network. When a payment signal is applied later, it extracts the winning probability point information pre-registered by the customer so that the sequence numbering can be conducted within the corresponding winning probability point group.
• the data storage part 10 stores the ID numbers of the card payment terminals
• Al-An of the respective chain stores and affiliated chain store information by the ID numbers. In addition, it stores payment sequence number information by payment amount groups, winning information for each group, and various winning probability point information pre-registered by the customers.
• control module 12 based on the payment amount information and chain store codes provided from the card payment terminals Al-An through the gateways 2a-2n, confirms whether or not each chain store is an affiliated chain store through the AUC 6, and confirms whether each customer is a prize winner or non- winner depending on the payment sequence number within the corresponding group in the state where the groups by payment amounts are designated. Further, it registers the winning probability point information pre-selected by the customer and extracts the pre-registered winning probability point information when a payment signal is applied later so that the sequence numbering can be done within the corresponding winning probability point group.
• Fig. 10 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with the third embodiment of the present invention.
• the server PSLMS separately classifies payment sequence numbers by winning probability groups selected by customers and performs the sequence numbering process of the customer for each group. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals Al-An. At this time, the customer can set the winning probability point group information in the server PSLMS via the web network in advance. Thus, the server PSLMS can automatically execute the sequence numbering based on the winning probability point group information of the customer pre-registered therein at the time of payment, without generating a separate selection signal.
• the card payment terminal Al-An sends the card number and card information stored in the credit card, a terminal ID number, and payment amount information to the server PSLMS via the data communication network. Then, the server PSLMS can conduct the sequence numbering by searching information on the card payer from the DB to extract the pre-registered winning probability point group information.
• the winning probability points are used for the customers to select the winning probabilities themselves in such a manner to tender the winning money by regarding the prepaid 9 persons as non- winners and the 10 payer as the prize winner if the customer selects the 10% winning probability point.
• the winning probability point selected by the customer is 10%, 10% of the used amount of the customer is discounted or accumulated as the winning money.
• the server PSLMS can execute the sequence numbering by automatically extracting the pre- registered winning probability point group information of the customer at the time of making payment although the customer does not generate a separate selection signal through the chain store terminal Al-An.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends the non- winning information of the customer to the card payment terminal Al-An.
• the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 19 which is the prior number of the prize winner .
• the card payment terminal Al-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBSl sends the payment information of the customer to the card payment terminal Al-An.
• the card payment terminal Al-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer based on the winning money information for each group, and sends the winning information (winning amount information) to the card payment terminal Al-An.
• the server PSLMS judges a used amount of the customer depending on the payment information of the customer applied thereto and calculates certain rates of the used amount as the winning money. Therefore, the winning money given by the server PSLMS is different depending on the used amount of the customer, even within the same winning probability group. In result, this leads to the promotion of consumption and eventually to the effect of economic stimulation.
• the card payment terminal Al-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES produces a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBSl sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information sent from the server PSLMS with the p ayment information. The server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.
• the server PSLMS judges whether or not the person making payment is a prize winner by the payment sequence numbering process by the winning probabilities on the basis of the payment amount information and winning probability information provided from the terminal Al-An.
• the payer in the state where the payment sequence number of the prize winner is assumed to be 0 as a reference point, if one payer makes payment in the 10 sequence number, the payer is decided to be a prize winner if he or she selects the 10-person group winning probability, and to be non- winner if he or she selects the 20-person group winning probability. Further, if the payer is non- winner, a payer following that payer becomes an 11 sequence number of payment. Therefore, the payer may be a prize winner or may non- winner according to the winning probability selected by him/her. If the payer is non- winner, only one sequence number of payment increases, which decides the payment sequence number of a next payer.
• the server PSLMS performs the information updating process by considering the fact that the number of non- winners is 90 persons.
• the server PSLMS performs the information updating process by considering the fact that the number of non- winners is 50 persons.
• the present invention can commonly employ the first and the second embodiments.
• the present invention can establish a system which separately classifies the groups by the winning probabilities selected by the customers within the groups by the payment amounts of the customers, decides the prize winner by executing the payment sequence numbering, and tenders the reserve fund accumulated until prior to occurrence of the prize winner as the winning money.
• Fig. 11 is a diagram showing a customer selection signal generation status of a lottery system based on the sequence number of payment in accordance with a fourth embodiment of the present invention.
• the lottery system based on the sequence number of payment is a system which allows the payment customer to select a winning money reserving, discount, and no-interest installment as compensation of the winning money. That is, when a customer makes payment, he or she can select a winning money supply form in various types. In case of reserving and discount, the winning probability is low, while its amount is large. And in case of no-interest installment, an installment fee is given by the financial resources reserved in the server PSLMS, and thus is relatively small compared with the winning money, which has a higher winning probability.
• the server PSLMS incorporates therein a processor (not shown) for giving a sequence number of no-interest installment group, wherein pre-classified group information is provided by the processor.
• the server PSLMS gives a sequence number of each customer, decides one per certain customers out of customers who select no-interest installment and make payment to be a prize winner, and provides the prize winner with no-interest installment service as compensation for the prize winning.
• the server PSLMS separately classifies the payment customers being subjected to the sequence numbering into plural groups for no-interest installment.
• the plural groups include 3-month no-interest installment, 5-month no- interest installment, and 12-month no-interest installment.
• the sequence number is given within the corresponding group. For example, customers who select 3-month no-interest installment are classified into the same group, and in this case, one per 3 persons is decided to be a prize winner. And customers who select 5-month no-interest installment are classified into the same group, and in this case, one per 5 persons is decided to be a prize winner. Similarly, customers who select 12-month no-interest installment are classified into the same group, and in this case, one per 12 persons is decided to be a prize winner.
• the proprietor of the chain store provides the server PSLMS with a certain rate of sale that is paid by the payment customer.
• the server PSLMS conducts cost settlement through connection with the credit card company so that the installment fee generated by no-interest installment for goods paid by the payment customer can be paid to the credit card company.
• Fig. 12 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fourth embodiment of the present invention.
• the server PSLMS separately classifies no-interest installment information and no-interest groups selected by the customers, and gives a sequence number of payment within a group by automatically extracting the group upon payment by the customer. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals Al-An. [199] At this time, the card payment terminal Al-An sends the card number and card information stored in the credit card, a terminal ID number, payment amount information and no-interest installment information selected by the customer to the server PSLMS via the data communication network. Then, the server PSLMS gives a payment sequence number after a previous payment sequence number within the group classified depending on the no-interest installment information selected by the card payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is non- winner, it sends the non- winner information of the customer to the card payment terminal Al-An.
• the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 2° which is the prior number of the prize winner .
• the card payment terminal Al-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information (no-interest installment information) provided from the server PSLMS with the payment information.
• the server PSLMS sends the payment amount information of the customer and the winning information (winning money information) to the card payment terminal Al-An, by using the no-interest installment winning information for each group.
• the card payment terminal Al-An sends the payment information to the electronic authentication server ES together with the no-interest installment winning information, to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry, card payment, and no-interest installment of the card to the finance payment server CBSl.
• the finance payment server CBSl conducts a no-interest installment process and at the same time sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information (no-interest installment information) sent from the server PSLMS with the payment information.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.
• the server PSLMS allows the customers to select more concrete no-interest installment information via the card payment terminals Al-An prepared in the chain stores. Namely, the server PSLMS classifies no-interest groups into a 3-month no-interest group, a 5-month no-interest group, a 12-month no-interest group, wherein the sequence numbering is carried out within the no-interest group selected by the customer.
• Fig. 13 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a fifth embodiment of the present invention.
• the lottery system based on the sequence number of payment is a system which decides a specific prize winner by giving a sequence number of payment within the group for goods sale amount or winning probability selected by the customer, even upon payment in on-line shopping mall, and through mobile and ARS, discounts the payment amount and decides a size of each group by making the customer select the winning probability oneself.
• the lottery system based on the sequence number of payment of this embodiment is equipped with a key button for generating a payment signal, certified authentication information, etc., and a web browser.
• the system includes payer PC PCl-PCn provided with a communication module for remotely sending required information, and on-line payment servers PSl-PSn which are disposed in the on-line shopping mall, receive a payment request signal from the payer PC PCl-PCn, send the payment amount information of goods thereto, and make payment by a payment processor (not shown) provided therein.
• the lottery system based on the sequence number of payment of this embodiment has a finance server CBSl which conducts a card payment process of goods amount based on the payment information transmitted from the payer PC PCl-PCn through the on-line payment server PSl-PSn.
• the lottery system based on the sequence number of payment of this embodiment further has a server PSLMS which gets the payment amount information and payer information, pre-given on-line shopping mall ID number information from the on-line payment server PSl-PSn, gives a payment sequence number within a pre- classified payment amount group, and decides whether or not the customer is a prize winner.
• a first database DB 1 included in the server PSLMS stores the payment sequence number information of the pre-classified payment amount group, the on-line shopping mall s ID number information, prize winner information, etc.
• Fig. 14 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifth embodiment of the invention.
• the server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment for each group, and generates a payment signal in a state where the on-line shopping mall payer connects to the on-line payment server PSl-PSn through the payer PC PCl-PCn.
• the on-line payment server PSl-PSn sends the payment amount information of the payer and the pre-given on-line shopping mall ID number to the server PSLMS through the data communication network.
• the server PSLMS gives a sequence number of payment after a previous payment sequence number within the pre-classified group depending on the payment amount information of the card payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends the non- winning information to the on-line payment server PS-PSn.
• the server PSLMS provides the on-line payment server PS-PSn with message data as follows: your authentication number is 19 which is the prior number of the prize winner . Then, the on-line payment server PS-PSn sends the non- winning information to the payer PC PCl-PCn.
• the on-line payment server PS-PSn generates a signal for request of the credit inquiry of the card and card payment to the finance server CBSl.
• the finance server CBSl conducts the card payment process of the payer and sends the payment information of the customer to the on-line payment server PSl-PSn.
• the on-line payment server PSl-PSn sends the winning information provided from the server PSLMS with the payment information to the payer server PCl-PCn for outputting the same on its screen.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the online payment server PSl-PSn. Then, the on-line payment server PSl-PSn sends the payment information excluding the winning money to the finance server CBSl, together with the signal for request of a credit inquiry and payment of the card.
• the finance server CBSl sends the payment information of the customer to the on-line payment server PSl-PSn. Then, the on-line payment server PSl-PSn sends the winning information from the server PSLMS to the payer PC PCl-PCn with the payment information for outputting the same on its screen.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.
• FIGs. 15 and 16 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifth embodiment of the present invention.
• FIGs. 15 and 16 are flowcharts describing a sequence numbering procedure of a payment customer through ARS. Since an ARS purchase customer or web purchase customer including home shopping does not purchase goods directly off-line but purchases goods with viewing images sent through TV or PC, there is a high rate of returned goods.
• Fig. 15 describes that, as penalty for a customer who has the number of times of returned goods greater than a reference number on a month or year basis, the sequence numbering service is not provided in that month.
• the server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment of a customer for each group, and generates a payment signal by inputting personal information to receive goods through ARS in the state where a payer of home shopping goods connects to the on-line payment server PSl-PSn through a payer's telephone terminal (not shown).
• the on-line payment server PSl-PSn sends the payment amount information of the payer, the purchaser personal information and the pre-given home shopping mall ID number to the server PSLMS through the data communication network.
• the server PSLMS extracts returned goods information of the customer depending on the payment amount information and personal information of the card payer, and compares it with reference sequence number information.
• the server PSLMS classifies the customer as a customer who cannot receive the sequence numbering service in that month and generates sequence numbering service impossibility information. If the customer returns goods below a reference number of times a month, the server PSLMS gives a payment sequence number after a previous payment sequence number within the pre- classified group based on the payment amount information of a person making the card payment.
• the server PSLMS can confirm in real times whether the customer is a prize winner or a sequence numbering service impossibility customer. If the customer is a sequence numbering service possibility customer but non- winner, the server PSLMS sends the non- winning information on the customer to the on-line payment server PS-PSn. For example, the server PSLMS provides the on-line payment server PS-PSn with message data as follows: your authentication number is 19' which is the prior number of the prize winner . Then, the on-line payment server PS-PSn outputs the non- winning information (or sequence numbering service impossibility information) to a telephone terminal (not shown) of the payer as voice through ARS.
• the on-line payment server PS-PSn generates a signal for request of a credit inquiry and card payment of the card to the finance server CBSl.
• the finance server CBSl conducts the card payment process of the payer and sends the payment information of the customer to the on-line payment server PSl-PSn.
• the on-line payment server PSl-PSn outputs the non- winning information (or sequence numbering service impossibility information) from the server PSLMS with the payment information to the telephone terminal of the payer as voice through ARS.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and outputs the winning information (winning money information) to the telephone terminal of the payer as voice through ARS. Then, the on-line payment server PSl-PSn sends the payment information excluding the winning money to the finance server CBSl together with the signal for request of a credit inquiry and payment of the card.
• the finance server CBSl sends the payment information of the customer to the on-line payment server PSl-PSn. Then, the on-line payment server PSl-PSn outputs the winning information from the server PSLMS with the payment information to the telephone terminal of the payer as voice through ARS.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.
• Fig. 16 describes a method which provides the payment sequence numbering service to a purchase customer after the term of returned goods out of home shopping goods has expired, or after the customer receives the goods and sends a purchase decision signal.
• the server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment of the customer for each group, and generates a payment signal by inputting personal information to receive goods through ARS in the state where a payer of home shopping goods connects to the on-line payment server PSl-PSn through the payer's telephone terminal.
• the on-line payment server PSl-PSn sends the payment amount information of the payer, the purchaser personal information, the pre-given home shopping mall s ID number, and the information on the term of returned goods to the server PSLMS through the data communication network.
• the server PSLMS designates a following payment sequence numbering possibility date of the customer, and produces a serial number associated with the payment sequence numbering possibility date information, depending on the payment amount information, the personal information, and the information on the term of returned goods of the card payer. Thereafter, the server PSLMS registers the serial number together with the customer information and the payment sequence numbering possibility date information.
• the server PSLMS provides the on-line payment server PS-PSn with the serial number and the payment sequence numbering possibility date information. Then, the on-line payment server PS-PSn performs the payment process through the credit card of the customer, and outputs the payment sequence numbering possibility date information with the payment information to the telephone terminal of the payer as voice through ARS.
• the server PSLMS extracts the pre- registered personal information of the customer and payment information depending on the serial number, and performs the group classification by payment amounts on the basis of the payment information. [239] Further, the server PSLMS decides whether or not the customer is a prize winner by conducting the payment sequence numbering service within the corresponding group.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it outputs the non- winning information to the telephone terminal of the payer as voice through ARS or sends it to the customer s PC for its output.
• the server PSLMS generates a winning money reserving request signal to the finance server CBSl by using the credit card number of the customer to make the winning money reserved.
• the server PSLMS designates and classifies respective payment amounts into plural amount unit groups, gives a sequence number of payment of the customer for each group, and generates a payment signal by inputting personal information to receive goods through ARS in the state where a payer of certain home shopping goods connects to the on-line payment server PSl-PSn through a payer's telephone terminal.
• the on-line payment server PSl-PSn sends the payment amount information of the payer, the purchaser personal information, the pre-given home shopping mall s ID number, and the returned goods term information to the server PSLMS through the data communication network.
• the server PSLMS issues a serial number associated with the payment amount information of the card payer, and registers the serial number together with the customer information.
• the server PSLMS provides the on-line payment server PSl-PSn with the serial number information. Then, the on-line payment server PSl-PSn performs the payment process through the credit card of the customer, and outputs the serial number information with the payment information to the telephone terminal of the payer as voice through ARS.
• the on-line payment server PSl-PSn sends the purchase decision signal of the customer to the server PSLMS.
• the server PSLMS extracts the pre-registered personal information of the customer, the payment information and the goods purchase decision information depending on the serial number, and performs the group classification by payment amounts on the basis of the payment information.
• the server PSLMS decides whether or not the customer is a prize winner by conducting the payment sequence numbering within the group.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it outputs the non- winning information to the telephone terminal of the payer as voice through ARS or sends it to the customer s PC for its output.
• the server PSLMS generates a winning money reserving request signal to the finance server CBSl by using the credit card number of the customer to make the winning money reserved.
• Fig. 17 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with a sixth embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which aggregates certain rates of service charges occurred when each finance company sells finance goods in response to a corresponding event generation number, upon occurrence of finance payment events such as a deposit, installment savings, loan, remittance, insurance entry, etc, decides a specific event sequence number to be a prize winner for each goods sale amount group, and discounts interest, various kinds of service charges, loan principal or an insurance bill.
• the lottery system based on the sequence number of payment of this embodiment can readjust a loan interest rate and a loan principal by grouping them by loan amounts, and giving a sequence number within each group classified by loan amount units at the time of occurrence of loan, to thereby decide a prize winner.
• the lottery system based on the sequence number of payment of this embodiment is provided with finance payment servers CBSl-CBSn which generate loan therefrom and send a loan goods sale signal and loan amount information to a remote server PSLMS, and the server PSLMS which receive the loan amount information, loan applicant information and pre-given finance company ID number information from the finance payment servers CBSl-CBSn, give a sequence number within each group pre-classified by loan amount units, decide a prize winning or non- winning, perform a discount settlement process according to an interest discount rate or loan principal discount rate pre-designated by the finance company.
• the lottery system based on the sequence number of payment of this embodiment can separately discount an insurance entrance fee by grouping insurance entrance fees, and giving a sequence number within each group classified by insurance amount units upon entry of insurance or transfer of an insurance bill to thereby decide a prize winner.
• the lottery system based on the sequence number of payment of this embodiment is provided with an insurance company server (not shown) which sells insurance goods and send an insurance goods sale signal, insurance amount information, and monthly payment amount information to a remote server PSLMS, and the server PSLMS which receives the customer information, the insurance company information, the insurance entrance fee information, and the monthly payment amount information from the insurance company server, give a sequence number within each group classified by insurance amounts, decide prize winning or non- winning, perform an insurance payment amount discount settlement process pre-designated by the insurance company.
• an insurance company server not shown
• the server PSLMS which receives the customer information, the insurance company information, the insurance entrance fee information, and the monthly payment amount information from the insurance company server, give a sequence number within each group classified by insurance amounts, decide prize winning or non- winning, perform an insurance payment amount discount settlement process pre-designated by the insurance company.
• the lottery system based on the sequence number of payment of this embodiment can decide a prize winner by giving a sequence number for each service charge to be tendered to the finance company according to an occurrence time of each of events such as remittance, exchange, etc. upon conduction of their finance services.
• plural groups are formed based on each remittance amount and each exchange amount, and the sequence numbering for each event occurrence is conducted within each group.
• FIGs. 18 and 19 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment in accordance with the sixth embodiment of the present invention.
• Fig. 18 describes a sequence numbering procedure upon selling of loan or deposit goods.
• the server PSLMS classifies loaned moneys (deposited amount) into plural amount groups and gives a sequence number of event occurrence for each group upon occurrence of loan or deposit event of each customer, wherein the finance payment server CBSl-CBSn which processes loan or deposit goods generate a loan event signal.
• the finance payment server CBSl-CBSn sends the loaned money information and pre-given finance company ID number of the loanee to the server PSLMS via the data communication network.
• the server PSLMS gives a sequence number of payment of the customer after a previous sequence number of payment within a pre-classified group according to the loaned money information of the loanee.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, the server PSLMS outputs the non-winning information on the customer to the finance payment server CBSl-CBSn.
• the server PSLMS provides the finance payment server CBSl-CBSn with message data as follows: your authentication number is 19 which is the prior number of the prize winner . Then, the finance payment server CBSl-CBSn sends to the payer the non-winning information.
• the server PSLMS extracts regulation information regulating a loan rate and a loan principal of the customer depending on an interest discount rate or loan principal discount rate pre-designated by the finance company, and sends the winning information (winning money information) to the finance payment server CBSl-CBSn. Then, the finance payment server CBSl-CBSn notifies the finance goods purchaser of the regulated loan rate information or loan principal regulation information. Based on these information, the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.
• the lottery system based on the sequence number of payment according to this embodiment can be applied to various insurance goods, thereby providing a sequence numbering service of payment. That is, it gives a sequence number of payment for each group classified by monthly payment amounts upon payment of an insurance bill every month, and thus can discount an insurance bill. Also, the lottery system separately gives a sequence number of payment for each group classified by automobile insurance bills upon payment, thus discounting an insurance bill.
• Fig. 19 is a flowchart which performs a sequence numbering in order of occurrence of a remittance signal upon remittance using the present invention.
• a remitter when a remitter generates a remittance signal (transfer signal) through the Internet banking by his or her PC (not shown) or through the telebanking, the finance payment server CBSl-CBSn sends information on a person making the transfer, transfer amount information, and transfer service fee information to the server PSLMS.
• the server PSLMS receives the above-mentioned information and confirms whether or not the remitter is a prize winner by giving a sequence number for each group pre-classified by transfer amounts.
• the server PSLMS sends the winner information to the finance payment server CBSl-CBSn.
• the finance payment server CBSl-CBSn notifies the remitter of the fact that he or she draws a winning number in a lottery for reduction in the service charge through his or her PC (not shown) or telephone terminal, and provides a transfer signal to the finance server CBl-CBn.
• the payer can choose one of winning probabilities directly by choosing any one of diverse groups in which one of 10 persons is a prize winner, one of 20 persons is a prize winner, and so on.
• Fig. 20 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a seventh embodiment of the present invention.
• the lottery system based on the sequence number of payment is a system which collects winning moneys of certain rates of sale, decides a prize winner by making a customer select a forward sequence numbering or a reverse sequence numbering upon card payment or cash payment and conducting the forward or reverse sequence numbering according to the sequence numbering direction selected by the customer for each payment amount group, and provides the prize winner with a discount or a reserve fund by the collected amount.
• the credit card can be utilized to make the amount payment for purchase of certain goods or usage of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.
• a non-contact type card such as an RF-IC card, etc
• a contact type card such as a magnetic card, an IC card, etc.
• the card payment terminals Al-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards.
• each terminal can recognize information contents written in the credit card and generate a payment signal and a selection signal for the reverse or forward sequence numbering to remotely get electronic authentication.
• the terminal Al-An can perform signal manipulation for a separate input of payment amount and request of forward (reverse) sequence numbering services to include a purchaser in the lottery provided by the present invention although the goods purchaser makes cash payment, instead of using various cards such as a credit card, a cash card, a debit card, etc.
• the payment terminal Al-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain stores at which those terminals are installed, or for payment of service usage, it performs a forward or reverse sequence numbering according to the selection of the customer within each group pre-classified by payment amounts upon payment by the credit card. If the sequence number of card payment corresponds to a predetermined specific sequence number, the terminal recognizes the payer of the preset specific number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non- winning information that is provided according to conduction of card payment on its screen in real times, and prints details thereon.
• the electronic authentication server ES receives the card number and sale details of the credit card through data communication with each of the card inquire terminals Al-An installed at the affiliated chain stores over the data communication network, and performs a transmission of card credit inquiry information and an approval process of amount payment.
• the electronic authentication server ES gives a sequence number of card payment within each payment amount group based on the payment amount information that is created when the users use credit cards for the card inquiry terminals Al-An by employing the sequence numbering way (forward or reverse sequence numbering), and decides a credit card making card payment to be a prize winner if the given sequence number matches the predetermined specific sequence number. Besides, it sends information on the prize winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner, via the data communication network.
• the sequence numbering way forward or reverse sequence numbering
• the financial resources of winning money is prepared by aggregating amounts of certain rates of purchase moneys by purchasers from a corresponding affiliated chain store, and is tendered to the purchaser with the specific sequence number.
• the winning money can be distributed more reasonably by providing it differently depending on the sequence numbering direction selected by the customer.
• the finance payment server CBS 1 is installed in a credit card company, department, a large discount mart, a total management center of various kinds of chain stores, or the like, which issues diverse credit cards. In this arrangement, it performs authentication and card payment of the purchaser through an approval by a card number and sale details information of the customer upon payment of credit card sent from the electronic authentication server ES over VAN.
• the finance payment server CBSl receives sale details information from each of the card inquiry terminals Al-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.
• the server PSLMS accepts the card information and sale details, and the sequence numbering direction information selected by the customers, provided from the card payment terminals Al-An installed in the affiliated chain stores, gives a sequence number of payment (forward or reverse sequence numbering) within each group pre-classified by payment amounts, and decides the prize winning or non- winning.
• the server PSLMS judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is affiliated with the PSLMS, the server PSLMS sends the prize winning or non- winning information to the card payment terminal Al-An to make payment for a payment amount excluding the winning money.
• Fig. 21 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the seventh embodiment of the present invention.
• the server PSLMS gives a sequence number of payment within each group pre-classified by payment amounts of customers, which may have a high or low sequence number, according to a sequence numbering direction selected by each customer. If a card user makes a payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals Al-An.
• the card payment terminal Al-An sends the card number and card information stored in the credit card, a terminal ID number, payment amount information and the sequence numbering direction information (forward or reverse sequence numbering) selected by the customer to the server PSLMS via the data communication network. Then, the server PSLMS designates a pre-classified group by payment amounts based on the payment amount information and gives a payment sequence number after or before a previous payment sequence number within the group according to the sequence numbering direction information selected by the payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends the non- winning information on the customer to the card payment terminal Al-An.
• the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 19 which is the prior number of the prize winner and the sequence numbering is progressing in reverse direction when the payer selects the reverse sequence numbering.
• the card payment terminal Al-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer based on the winning money information for each group, and sends the winning information (the winning money information) to the card payment terminal Al-An. Then, the card payment terminal Al-An sends the payment information excluding the winning money to the electronic authentication server ES, to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBSl sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner.
• Fig. 22 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with an eighth embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which collects winning moneys of certain rates of sale, decides a prize winner, decides a prize winner by making a customer select a certain sequence number skip number such as 1, 2, or 10 spaces upon card payment or cash payment and conducting a payment sequence numbering according to a sequence number skip selection signal selected by the customer for each payment amount group, and provides the prize winner with a discount or a reserve fund by the collected amount.
• the credit card can be utilized to make the amount payment for purchase of certain goods or use of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.
• a non-contact type card such as an RF-IC card, etc
• a contact type card such as a magnetic card, an IC card, etc.
• the card payment terminals Al-An are installed at a multiplicity of affiliated stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards.
• each terminal can recognize information contents written in the credit cards and generate a payment signal and a payment sequence number skip selection signal to remotely get electronic authentication.
• the terminal Al-An can perform manipulation for a separate input of payment amount and the sequence number skip signal to include a purchaser in the object of the lottery provided by the present invention although the goods purchaser makes cash payment.
• the payment terminal Al-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain stores at which those terminals are installed, or for payment of service usage, it performs the sequence number skip according to the customer s selection within each group pre-classified by payment amounts upon payment by the credit card. If the sequence number of card payment matches a predetermined specific number, the terminal recognizes a payer having the preset specific number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non- winning information that provided according to conduction of card payment on its screen in real times, and prints details thereon.
• the electronic authentication server ES receives the card number and sale details of the credit card through data communication with each of the card inquire terminals Al-An installed at the affiliated chain stores over the data network, and performs a transmission of the card credit inquiry information and an approval process of amount payment.
• the electronic authentication server ES gives a sequence number of card payment according to the payment sequence number skip selection signal selected by the customer within a group corresponding to the payment amount of the customer among the groups pre-classified by payment amounts based on the payment amount information that is created when the users use credit cards for the card inquiry terminals Al-An, and decides a credit card making card payment to be a prize winner in real times when the given sequence number of the card matches the predetermined specific sequence number. Besides, it sends information on the winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner, via the data communication network.
• the financial resources of winning money is prepared by aggregating amounts of certain rates of purchase moneys by purchasers from the corresponding chain store, and is paid to the purchaser having the specific sequence number.
• the sequence number of the payment customer can be changed differently from the given number depending on the sequence number skip selection signal selected by the customer.
• the finance payment server CBSl is installed in a credit card company, department, a large discount mart, or a total management center of various kinds of chain stores, which issues diverse credit cards. In this arrangement, it performs au- thentication and card payment of the purchaser depending on the card number and sale details information of the customer and an approval or disapproval upon card payment of credit card sent from the electronic authentication server ES over VAN.
• the finance payment server CBSl receives the sale details information from each of the card inquiry terminals Al-An in response to an amount payment request of the credit card possessed by each user from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.
• the server PSLMS accepts the card information and sale details, and the sequence number skip signal selected by the customer, provided from the card payment terminals Al-An installed in the affiliated chain stores, gives a sequence number of payment within a group corresponding to the payment amount of the customer among the groups re-classified by payment amounts by applying the sequence number skip selected by the customer, and decides whether or not the customer draws a lucky number.
• the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated therewith. If the issuer is a company that has been affiliated with the PSLMS, it sends the prize winning or non- winning information to each of the card payment terminals Al-An to make payment for a payment amount excluding the winning money.
• Fig. 23 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the eighth embodiment of the present invention.
• the server PSLMS performs the payment sequence numbering according to the sequence number skip signal selected by a customer within a group corresponding to the payment amount of the customer among the groups re-classified by payment amounts. If a card user makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals Al-An.
• the card payment terminal Al-An sends the card number and card i nformation stored in the credit card, a terminal ID number, payment amount information and the sequence number skip information selected by the customer to the server PSLMS via the data communication network.
• the server PSLMS designates a corresponding pre-classified payment amount group depending on the payment amount information, and gives a payment sequence number of the customer by skipping a previous payment sequence correspondingly to the sequence number skip information (1-, 2-, or 10-space skip) selected by the payer of the card within the group.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends non- winning information on the customer to the card payment terminal Al-An.
• the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 3 r which is the third number before the prize winner, you draw a losing number, and the sequence number is skipped by 4 spaces when the payer selects a corresponding sequence number skip.
• the card payment terminal Al-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer by using the winning money information for the corresponding group, and sends the winning information (winning money information) to the card payment terminal Al-An. Then, the card payment terminal Al-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there is the prize winner.
• the proprietor of the chain store can provide a separate payment sequence numbering service by days, weeks, and months, within a group corresponding to the proprietor s payment amount among the groups by payment amounts, wherein the winning probability may be different by the customer selection.
• the proprietor of the chain store can separately designate a dull weekday in shopping like Monday, and offer a chance of several times of such payment sequence numbering. Also, the proprietor of the chain store can further offer a chance of several times of such payment sequence numbering by distinguishing the morning of a weekday from others.
• the sequence numbering should be made in 100,000 won range. But, if the information for doing the sequence numbering in 200,000 won range separately from the payment information is included in the barcode information, it can be judged whether or not the payer is a prize winner by confirming if a sequence number given to the payer in the 200,000 won range matches a predetermined sequence number. When the payer is decided to be a prize winner, the accumulated winning money is tendered or an amount discount is made.
• Fig. 24 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a ninth embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which integrates and accumulates reserve funds offered by plural chain stores upon purchase of goods by a customer, and discounts by a winning money or accumulates it by deciding the consumer to be a prize winner when an accumulated reserve fund made by selection of the consumer for a specific accumulated amount group exceeds a specific reference amount.
• the winning criteria in the server PSLMS is made in a manner that a payment customer when an accumulated reserve fund from each chain store exceeds a fixed amount is decided to be a prize winner, not the constant payment sequence number.
• each membership chain store provides the server PSLMS with a certain rate of sale as the accumulated reserve fund. Then, the server PSLMS accumulates the reserve fund and decides a payment customer when the accumulated amount is larger than the fixed amount to be a prize winner.
• a payment rate of each chain store may be 1% or 2% of sale.
• the payment rate may be different by types of business and goods of each chain store.
• the reserve fund of a certain rate is accumulated in the server PSLMS, the accumulated reserve fund is as follows: 52,000 won, 62,000 won, etc. upon payment of each customer, as shown in the same drawing.
• Fig. 25 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the ninth embodiment of the present invention.
• the server PSLMS registers a specific accumulated money as a winning money therein (ST-I). In this state, if a customer makes payment for a purchase amount of goods or a usage fee of services through a credit card, amount payment is conducted by the card payment terminal prepared in a purchase place of goods or a chain store of services out of the card payment terminals Al-An.
• the card payment terminal Al-An sends the card number and card information stored in the credit card, a terminal ID number, and payment amount information to the server PSLMS via the data communication network (ST-2). Then, the server PSLMS determines a reserve fund depending on the payment amount information, and accumulates the same by adding it to a previously accumulated amount (ST-3).
• the server PSLMS judges whether the reserve fund accumulated at the time of making payment by the customer exceeds the pre-registered amount through comparison (ST-4).
• PSLMS decides the payment customer to be a prize winner (ST-9), settles a final payment amount excluding the winning money from the payment amount of the customer by using the winning money information for the corresponding group (ST-IO), and sends the winning information (winning money information) to the card payment terminal Al-An.
• the card payment terminal Al-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An (ST-11). Then, the card payment terminal Al-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there is the prize winner.
• the server PSLMS decides the payment customer to be non- winner (ST-5), and sends a payment signal for a payment amount of the customer and non- winning information to the card payment terminal Al-An (ST-6).
• the card payment terminal Al-An sends the payment information to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An (ST-8). Then, the card payment terminal Al-An outputs on a receipt the non- winning information provided from the server PSLMS with the payment information.
• Fig. 26 is a flowchart showing a data flow of a lottery system based on the sequence number of payment in accordance with a tenth embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which increases the number of times of visit of consumers to stores and promotes consumption of other goods, by providing a sequence number of even occurrence with discount by means of accumulating a more reserve fund than other goods by accumulation of part of a discounted amount for specific discount event goods as a reserve fund for the lottery system based on the sequence number of payment.
• BP goods goods (hereinafter, referred to as big point (BP) goods) giving a greater reserve fund are provided and the guidance notifying that the goods is BP goods is presented outside.
• the goods seller provides a greater reserve fund for events, and therefore, a purchaser purchasing such BP goods obtains the effect of discount such as purchasing goods with a higher price. For example, the purchaser receives the sequence numbering service in 100,000 won group without purchasing goods of 100,000 won, thereby getting a discount of 100,000 won as the winning money when he or she draws a winning number.
• the lottery system based on the sequence number of payment of this embodiment is executed under a system of a POS terminal that is running in the large mart and a van terminal (e.g., chain store s terminal) of general department, etc., and goes through a different process according to the system of those terminals.
• a van terminal e.g., chain store s terminal
• terminal system can judge whether the goods are BP goods or not in real times, and confirm the payment amount of the BP
• [344] goods thereby performing the sequence numbering by including the BP goods in real times. Namely, in 1% reserving chain store, it is required to make 1% accumulation for all goods. But, if there is inclusion of BP goods in the goods, 10% reserving that serves as a reserve fund of higher rate can be done. Therefore, in case of general goods not BP goods, 100 won that is 1% upon payment of 10,000 won is accumulated as reserve resources, and 150 won that is 1% upon payment of 15,000 won is accumulated as reserve resources. But, as for BP goods of 10,000 won with reserve fund of 10%, 1,000 won that is 10% is accumulated as reserve resources. Thus, the customer consumes only 35,000 won, but generates the reserve fund of 1,250 won, thereby accepting the sequence numbering service in the 1,200 won group.
• the BP goods lead to visiting of more customers to stores and can serve as bait goods.
• those goods may allow a discount of 50% as event goods, they allow a discount of 40% and provide a residual amount of 10% to the server PSLMS as a reserve fund so that the server PSLMS performs the sequence numbering.
• the customer receives a discount of 40% and conducts the sequence numbering of higher rate, thereby increasing an event selling effect.
• Fig. 27 is a schematic diagram illustrating the structure of the lottery system based on the sequence number of payment in accordance with the tenth embodiment of the present invention.
• the credit card can be utilized to make the amount payment for purchase of certain goods or use of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.
• a non-contact type card such as an RF-IC card, etc
• a contact type card such as a magnetic card, an IC card, etc.
• the card payment terminals Al-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and various kinds of chain stores, which issue the credit cards.
• each terminal can recognize information contents written in the credit cards and generate a payment signal to remotely get electronic authentication.
• the terminal Al-An can perform manipulation for separate input of payment amount and sequence number skip signal to include a purchaser in the lottery provided by the present invention although the goods purchaser makes cash payment, instead of using various cards such as a credit card, a cash card, a debit card, etc.
• the payment terminal Al-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated stores at which those terminals are installed, or for payment of service usage, it classifies payment amounts by the credit cards into groups. If a sequence number of card payment within a group matches a specific sequence number predetermined by this embodiment, the terminal recognizes a payer of the specific sequence number as a prize winner and performs a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non-winning information that is provided according to conduction of the card payment on its screen in real times, and prints details thereon.
• a POS terminal POS which is installed in the large mart and generates a payment signal for payment process and accumulated amount information simultaneously with inputting goods information and information on the number of goods through a barcode scanner Pa connected to its inside.
• the card payment terminal Al-An and the POS terminal POS prepared in the chain stores are constituted by a separate card payment terminal which adds a PC function to a common credit card terminal function.
• the proprietor of each chain store may provide the lottery service based on the sequence number oneself according to his or her will, and may also give gift or winning money depending on the visit sequence of customers by chain stores.
• the electronic authentication server ES receives the card number and sale details of the credit card through data communication with the card inquire terminal Al-An or the POS terminal POS installed at the affiliated chain stores over the data network, and performs a transmission of card credit inquiry information and an approval process of amount payment.
• the electronic authentication server ES gives a sequence number of card payment within each group by accumulated amounts upon payment through a summation of accumulated amounts including the accumulated amount of BP goods based on the payment amount information that is created when the users use credit cards for each of the card inquiry terminals Al-An or the POS terminal POS, and decides a credit card corresponding to the sequence number of card payment to be a prize winner in real times when the given sequence number matches a predetermined specific sequence number. Besides, it sends information on the prize winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner or the POS terminal POS, via the data communication network.
• the second database DB2 stores card numbers for card payment approval of users credit cards, sale amount information of approved cards, and card information.
• the financial resources of winning money are prepared by aggregating amounts of certain rates of purchase moneys by purchasers from the chain store, and are tendered to the purchaser with the specific sequence number.
• the winning money can be distributed more reasonably by providing it differently depending on the payment amount of the customer and by goods.
• the finance payment server CBSl is installed in a credit card company, department, a large discount mart, or a total management center of various kinds of chain stores, which issues diverse credit cards. In this arrangement, it performs authentication and card payment of the purchaser through the card number and sale details information, and an approval or disapproval, sent from the electronic authentication server ES over VAN.
• the finance payment server CBSl receives the sale details information from each of the card inquiry terminals Al-An or the POS terminal POS in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for the credit card of each user, and conducts card payment thereon.
• the server PSLMS accepts the card information and sale details, and reserving rate information for each goods, provided from the card payment terminals Al-An installed in the affiliated chain stores, computes a final reserve fund based on the above information, gives a sequence number of payment within a corresponding reserve fund group, and decides whether or not the customer draws a winning number. If a purchaser or a payer is decided to be a prize winner, the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated with the PSLMS. If the issuer is a company that has been affiliated with the PSLMS, the server PSLMS sends winning or non- winning information to the card payment terminal Al-An or the POS terminal POS to make payment for a payment amount excluding the winning money.
• an issuer of the card for example, a credit card company, a large discount mart, department, or the like
• the winning money may be provided by reducing the payment amount that the purchaser will pay to the issuer (for example, a credit card company, a large discount mart, department, or the like), or by transferring it to a deposit account of the payer.
• the winning money may be given in the form of a reserve fund of the chain store, game money, or the like, instead of its provision.
• Figs. 28 and 29 are flowcharts showing a signal flow of the lottery system based on the sequence number of payment according to the tenth embodiment of the invention.
• Fig. 28 illustrates a lottery procedure based on the sequence number which is executed under the POS terminal POS network.
• the server PSLMS receives and registers the information on BP goods from the POS terminal POS arranged in the large mart (ST-20 and ST-21).
• the server PSLMS receives payment information from the POS terminal POS
• ST-22 extracts pre-registered BP information of a corresponding store, and compares it with the payment information (ST-23), to judge whether or not the payment information on the BP goods is included in the payment information.
• the server PSLMS extracts group information for each reserve fund and conducts a sequence numbering within the group (ST-24, ST-25 and ST-26).
• the server PSLMS judges whether or not a target payer is a prize winner (ST-27), and if he or she is a prize winner, it performs a payment process after reduction of the winning money (ST-28 and ST-29), and sends the winning information and the payment information to the POS terminal POS (ST-30). If there exists a residual reserve fund (ST-31), the server PSLMS processes the residual reserve fund directly (ST-32).
• the POS terminal POS receives the payment information and winning information from the server PSLMS and prints these information on a receipt for transmission to the customer.
• Fig. 29 illustrates a lottery procedure based on the sequence number which is executed under the network of the card payment terminals Al-An that are van terminals.
• the server PSLMS receives the payment information from the POS terminal POS arranged in department or chain store (ST-40), and computes a reserve fund for the payment amount (ST-41). That is, although there is inclusion of BP goods, the card payment terminal Al-An cannot send individual goods information. Therefore, the server PSLMS does not recognize the point of such BP goods as a particular point and computes a reserve fund by applying a reserving rate of the pre- registered chain store as it is.
• the server PSLMS extracts group information for each reserve fund and conducts a sequence numbering within the group (ST-42 and ST-43).
• the server PSLMS judges whether or not a target payer is a prize winner (ST-44), and if he or she is a prize winner, it performs a payment process after reduction of the winning money, and sends the winning information and the payment information to the card payment terminal Al-An (ST-45 and ST-46). If there is a residual reserve fund, the server PSLMS processes the residual reserve fund directly.
• the card payment terminal Al-An receives the payment information and winning information from the server PSLMS and prints these information on a receipt for transmission to the customer.
• BP goods to a shop assistant, wherein an additional sequence numbering request signal for the BP goods is provided to the server PSLMS through the chain store s PC or a separate input unit without going through the van server (ST-48 and ST-49).
• a reserve fund of the BP goods is 2,000 won and an additional sequence numbering for a reserve fund of 1,800 won is performed if the reserve fund used in doing a general sequence numbering using the BP goods is 200 won (ST-50).
• the server PSLMS judges whether or not a target payer is a prize winner, and if he or she is a prize winner, it accumulates the winning money in the credit card of the customer, and provides the winning information on a screen through the chain store s PC or a separate input unit or prints it. If the payer is not a prize winner, the non- winning information is provided on the screen through the chain store s PC or separate input unit or printed (ST-47).
• the lottery system and method based on the sequence number of payment of this embedment can also be applied to purchasing a gift certificate using a credit card or cash. If a customer purchases a gift certificate by a credit card or cash through ARS, PC, or a separate input unit, the personal information and the payment information of the customer is sent to the server PSLMS via a server of an issuer of the gift certificate.
• the server PSLMS executes the sequence numbering service based on the customer information and payment amount information and performs a discount or a reserving process by sending the related information to the server of the issuer of the gift certificate if he or she is decided to be a prize winner.
• Fig. 30 is a schematic diagram illustrating a structure of a lottery system based on the sequence number of payment in accordance with an eleventh embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which registers a credit card number and a hand phone number of each customer in the server PSLMS, and registers reserve fund process information for each customer upon payment, wherein a certain rate of the reserve fund is used as a sequence numbering point and a residual reserve fund is accumulated based on the information preset by the customer upon generation of a payment signal.
• the reserve fund process types allowing the customer to register in the server PSLMS are largely divided into three: the first type is for using a total reserve fund for the sequence numbering, the second type is for using a certain rate of the total reserve fund for the sequence numbering and for accumulating a residual reserve fund, and the third type is for accumulating the total reserve fund without using it for the sequence numbering.
• the credit card can be utilized to make the amount payment for purchase of certain goods or use of service based on its card number and card membership information by a non-contact type card such as an RF-IC card, etc, or a contact type card such as a magnetic card, an IC card, etc.
• a non-contact type card such as an RF-IC card, etc
• a contact type card such as a magnetic card, an IC card, etc.
• card payment terminals Al-An are installed at a multiplicity of affiliated chain stores such as a credit card company, department, a large discount mart, and the like, and various kinds of chain stores, which issue the credit cards.
• each terminal can recognize information contents written in the credit cards and generate a payment signal to remotely get electronic authentication.
• the terminal Al-An can perform signal manipulation for a separate input of a payment amount and for request of the sequence numbering service to include a purchaser in the object of the lottery provided by the present invention although the goods purchaser makes cash payment, instead of using various cards such as credit card, cash card, debit card, etc.
• the payment terminal Al-An inquires card information of the credit card for purchase payment of goods being sold by the affiliated chain stores at which those terminals are installed, or for payment of service usage, it classifies payment amounts by the credit card into groups. If a sequence number of card payment within a group corresponds to a specific sequence number predetermined by this embodiment, the terminal recognizes a payer of the specific sequence number as a prize winner and conducts a card approval procedure by sending a card number and sale details for card payment of a residual amount that subtracts a winning money from the payment amount. In addition, the terminal displays winning or non-winning information that is presented according to conduction of the card payment on its screen in real times, and prints details thereon.
• the card payment terminal Al-An and the POS terminal POS prepared in each of the chain stores are constituted by a separate card payment terminal which adds a PC function to a general credit card terminal function.
• the proprietor of the chain store may provide the lottery service based on the sequence number oneself according to his or her will, and may also give gift or winning money depending on the visit sequence of customers by chain stores.
• the customer hand phone HPl-HPn is a terminal which registers its number and credit card number in the server PSLMS to automatically process a reserve fund given by the server PSLMS, and generates an automatic process setting signal by inputting setting data for automatic process of the reserve fund.
• the customer hand phone HPl-HPn sends the setting data to the server PSLMS through the data communication network.
• an electronic authentication server ES receives the card number and sale details of the credit card through data communication with the card inquire terminals Al-An or the POS terminal POS installed at the affiliated chain stores over the data communication network, and performs a transmission of card credit inquiry information and an approval process of amount payment.
• the electronic authentication server ES gives a sequence number of the card payment within each payment amount group based on the payment amount information that is created when the users use credit cards for each of the card inquiry terminals Al-An. If the given sequence number matches a predetermined specific sequence number, it decides a credit card of the specific sequence number to be a prize winner in real times. Besides, it sends information on the prize winning result to one of the card inquiry terminals inquiring the credit card which is the prize winner, via the data communication network.
• a second database DB2 stores card numbers for a card payment approval of the users credit cards, sale amount information of approved cards, and card information.
• the financial resources of winning money is prepared by aggregating amounts of certain rates of purchase moneys by purchasers from the chain stores, and is tendered to the purchaser of the specific sequence number.
• the winning money can be distributed more reasonably by providing it differently depending on the payment amount of the customer.
• a finance payment server CBSl is installed in a credit card company, department, a large discount mart, or a total management center of various kinds of chain stores, which issues diverse credit cards. In this arrangement, it performs authentication and card payment of the purchaser through the card number of the customer, sale details information, and an approval/disapproval, upon card payment of credit card sent from the electronic authentication server ES over VAN.
• the finance payment server CBSl receives the sale details information from each of the card inquiry terminals Al-An in response to an amount payment request of the credit cards possessed by the users from the electronic authentication server ES, confirms a payment amount for credit card of each user, and conducts card payment thereon.
• the server PSLMS accepts the card information and sale details provided from the card payment terminals Al-An installed in the affiliated chain stores, gives a sequence number of payment within each group pre-classified by payment amounts, and decides whether or not the customer draws a winning number.
• the server judges whether or not an issuer of the card (for example, a credit card company, a large discount mart, department, or the like) is affiliated with the server PSLMS. If the issuer is a company that has been affiliated with the PSLMS, the server PSLMS sends winning or non- winning information to one of the card payment terminals Al-An to make payment for a payment amount excluding the winning money.
• an issuer of the card for example, a credit card company, a large discount mart, department, or the like
• the server PSLMS automatically executes the reserve fund process of the customer wherein the reserve fund process setting information from the customer hand phone HPl-HPn is registered in connection with the hand phone number and the credit card number.
• the server PSLMS automatically executes the reserve fund process of the customer wherein the reserve fund process setting information from the customer hand phone HPl-HPn is registered in connection with the hand phone number and the credit card number.
• the winning money may be provided by reducing the payment amount the purchaser will pay to the issuer (for example, a credit card company, a large discount mart, department, or the like), or by transferring it to a deposit account of the payer.
• the winning money may be given in the form of a reserve fund of the chain store, game money, or the like, instead of its supply.
• FIG. 31 is a block diagram showing a structure of the payment/lottery management server in accordance with the eleventh embodiment of the present invention.
• the server PSLMS of this embodiment is a server which automatically executes a reserve fund of each customer. That is, it registers reserve fund process setting information from the customer hand phone Hl-HPn in connection with his or her hand phone number or credit card number, recognizes the customer based on his or her his or her hand phone number or credit card number contained in the payment signal from the card payment terminal Al-An later, and automatically processes a given reserve fund of the customer based on the reserve fund process information preset by the customer. Upon payment of the customer, it processes a discount for a payment amount by providing the sequence numbering service depending on the payment sequence number of the customer preset by his or her.
• the server PSLMS is provided with gateways, a connection part, an authentication center AUC, a connection sensing processor, a group designation processor, a sequence numbering execution processor, a chain store cost settlement processor, a customer sequence number information setting processor, a customer information storage part 9a, a chain store information storage unit 9b, a data storage part, and a control module.
• Each of the gateways (WEB, WAP gateway) 2a to 2n is for matching data transmitted through a web network and a radio Internet network with a protocol in the server PSLMS.
• the connection part 4 serves to connect data provided though the gateways 2a to 2n to an inside module of the server PSLMS.
• the authentication center AUC 6 is a processor which authenticates whether a chain store is an affiliated chain store based on an ID number such as an MAC address of the card payment terminal Al-An of each chain store, or is which customer depending on the customer information sent from his or her PC PCl-PCn.
• the connection sensing processor 8a functions to check the connection status of the card payment terminal Al-An and the customer s PC PCl-PCn of each chain store.
• the group designation processor 8b designates groups pre-classified by payment amounts of customers transmitted from the card payment terminal Al-An, wherein a group for a payment amount is designated when the payment amount information of a specific customer is applied from the terminals Al-An.
• the sequence numbering execution processor 8c decides a sequence number of payment of a customer within the corresponding group depending on the payment amount information of the customer and the sequence number information (winning probability point) preset by the customer from the card payment terminal Al-An, in a state where the group is designated in the group designation processor 8b.
• the chain store cost settlement processor 8d settles a payment amount the card payment terminal Al-An of the chain store will tender, by subtracting the winning money from the payment amount for each customer.
• the customer sequence numbering processor 8e registers winning probability point information which is selected when the customer connects thereto via the web network using the customer PC PCl-PCn. When a payment signal is applied to the processor later, it performs a process, in which the customer extracts the pre-registered winning probability point information and the sequence number can be given within the corresponding winning probability point group.
• the customer information storage part 9a registers the hand phone number and credit card number of each customer and sets the automatic reserve fund process type for each customer.
• the automatic reserve fund process types for each customer are largely divided into three: the first type is for using a total reserve fund for the sequence numbering, the second type is for using a certain rate of the total reserve fund for the sequence numbering and for accumulating a residual reserve fund, and the third type is for accumulating the total reserve fund without using it for the sequence numbering.
• the chain store information storage part 9b registers various search category information for each chain store so that the customer can search desired chain store information via the customer hand phone HPl-HPn, wherein a given point (e.g., reserve fund information) for each chain store, chain store position information, telephone number information, selling goods information for each chain store, and special event information are stored and registered.
• a given point e.g., reserve fund information
• the data storage part 10 stores the ID numbers of the card payment terminals Al-An of the chain stores and information on their affiliated chain stores by the ID numbers. In addition, it stores the payment sequence number information by payment amount groups and the winning information for each group, and the winning probability point information pre-registered by the customer.
• control module 12 based on the payment amount information and chain store codes provided from the card payment terminals Al-An through the gateways 2a-2n, confirms whether or not each chain store is an affiliated chain store through the AUC 6, and whether or not each customer draws a winning number depending on the payment sequence number within the corresponding group in the state where the groups by payment amounts are designated. Further, it registers the winning probability point information pre-selected by the customer; and when a payment signal is applied to the processor later, it performs which extracts the pre- registered winning probability point information of the customer so that the sequence number can be given within the corresponding winning probability point group.
• the automatic reserve fund process sets and registers the automatic reserve fund process in connection with the hand phone number or credit card number of the customer in response to the setting signal of the customer. Also, it classifies, registers and sets the information on each chain store by several search categories for its search, and performs the automatic reserve fund process based on the information of each customer set upon occurrence of the payment signal.
• Fig. 32 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with the eleventh embodiment of the present invention.
• a customer first connects to a phone page of the server PSLMS through the customer hand phone HPl-HPn (ST-60).
• the server PSLMS registers the reserve fund process request information for each customer sent from the customer hand phone HPl-HPn by the customer in connection with the hand phone number and credit card number of each customer (ST-62 and ST-63).
• the server PSLMS accumulates and processes a reserve fund of the chain store, and extracts the setting information of the customer from the hand phone or credit card number of the customer sent from the card payment terminal Al-An (ST-64, ST-65, and ST-66).
• the server PSLMS performs the sequence numbering service for the total reserve fund given by payment of the customer (ST-68).
• the sequence numbering service executed by the server PSLMS was mentioned above in detail through the above embodiments, its description is omitted here.
• the server PSLMS By executing the sequence numbering service in the server PSLMS, if the payment customer is confirmed to be a prize winner or non- winner (ST-69), the server PSLMS sends the winning information of the customer and the final payment amount information subtracting the winning money to the card payment terminal Al-An of the chain store (ST-70).
• the server PSLMS executes a sequence numbering service only for the certain rate (ST-71 and ST-72).
• the server PSLMS By executing the sequence numbering service in the server PSLMS, if the payment customer is confirmed to be a prize winner, the server PSLMS sends the winning information of the customer and the final payment amount information subtracting the winning money to the card payment terminal Al-An of the chain store, and conducts a reserving process directly for a residual reserve fund for each customer (ST-73).
• Fig. 33 is a flowchart showing a signal flow of a lottery system based on the sequence number of payment in accordance with a twelfth embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which classifies and registers chain store discount rate information, position information, a telephone number, special event information, and selling goods information by categories in the server PSLMS using the chain store s PC, so that each customer can search an appropriate chain store by selecting a specific area, a discount rate higher order, a specific event occurrence chain store, selling goods, etc. in a desired category through his or her hand phone.
• the proprietor of the chain store sends the chain store information to the server
• the chain store information is used for searching a desired chain store in the state where a customer connects to the server PSLMS using the customer hand phone HPl-HPn or PC (ST-83 and ST-87).
• the chain store information registered in the server PSLMS is discount rate information, position information, telephone number information, special event information, and selling goods information classified by categories (ST-81 and ST-82).
• the discount rate is provided to the customers by chain stores at different rates, and may be offered arbitrarily by the proprietor of chain store. Basically, a difference inevitably exists between the discount rates offered by types of business. This also relates to a margin rate by types of business, sales, etc. But, in spite of a same type of business, the difference that may occur between the discount rates by chain stores is because the proprietor of chain store may offer a higher discount rate as part of special events.
• the customer can search in the order of the largest discount rate providing companies (ST-84 and ST-88), search by areas where the chain stores are located (ST-85 and ST-89), search chain store information by inputting the telephone number, or search by inputting names of selling goods such as clothes, running shoes, pizza, etc. Further, the customer can search in the order of chain stores providing special events, for example, gifts, etc. (ST-86 and ST-90)
• Figs. 34 and 35 are flowcharts showing a signal flow of a lottery system based on the sequence number of payment in accordance with a thirteenth embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system in which a server PSLMS provides a reserve sequence to each customer in advance to participate in the sequence numbering service prior to purchasing goods when there is a request for advance reservation through his or her advance reservation request, a reservation information input and a transfer of reservation amount.
• the lottery system based on the sequence number of payment of this embodiment provides a system for processing the advance reservation and provisional reservation.
• the advance reservation refers to a reservation that transfers a deposit in advance, in case where a customer makes a reservation at each chain store.
• the system tenders an advance reserve fund according to the advance reservation to the customer for its use.
• the provisional reservation refers to a reservation in a state which does not transfer a deposit in advance, in case where a customer makes a reservation at a chain store.
• the system does not tender an advance reserve fund to the customer according to the provisional reservation, but tenders more reserve fund.
• the advance reserve fund made by the advance reservation is greater than the reserve fund upon the provisional reservation.
• the sale security of the chain store is almost certain.
• the provisional reservation since a separate deposit is not transferred, the sale security is unknown. Therefore, it is reasonable to provide more reserve fund in case of the advance reservation.
• both the advance reservation and the provisional reservation commonly provide a time enough for preparation of foods, seat security, etc. by notifying in advance the proprietor of chain store of the number of customers and time to be visited, thereby offering more convenience and giving more reserve fund to the customers.
• the customer can execute the sequence numbering service of the server PSLMS in advance by using the point provided from the chain store, prior to payment of the total goods amount. Therefore, the customer can purchase goods and receive services at a discounted price and may purchase the same without a fee.
• an advance reservation application signal (reservation information such as the number of persons and expected payment amount) for the chain store is sent to the server PSLMS via the customer hand phone HPl-HPn.
• the server PSLMS exchanges the reserved money in response to the advance reservation application signal.
• the reserved money is 10% of the total reservation payment amount, but may also be set at a different rate for each chain store.
• the server PSLMS computes the reserved money, it sends the reserved money information to the customer hand phone HPl-HPn. Then, the customer provides the server PSLMS with a small amount payment signal for application of transfer.
• the server PSLMS drives a small amount payment program, and performs a small amount payment process through the certified authentication program to generate a point (reserve fund) for a total expectation payment amount of the customer to the customer hand phone HPl-HPn.
• the server PSLMS gives a payment sequence number of the customer after a previous payment sequence number within a pre-classified group according to the payment amount information of the card payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is not a prize winner, it sends non- winning information on the customer to the customer hand phone HPl-HPn. For example, the server PSLMS provides the customer hand phone HPl-HPn with message data as follows: your authentication number is 19 which is the prior number of the prize winner .
• the server PSLMS sends a separate winning authentication number to the customer hand phone HPl-HPn so that the customer can get a discount by the winning money by presenting it at the chain store upon payment.
• the proprietor of the chain store computes a final payment amount after confirming the customer s winning through the winning authentication number provided on the screen of the customer hand phone HPl-HPn. Then, the card payment terminal Al-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.
• provisional reservation request signal (reservation information such as the number of persons and expected payment amount) for the chain store is sent to the server PSLMS via the customer hand phone HPl-HPn.
• the server PSLMS registers the customer s hand phone number together with the chain store information and provisional reservation information through a sender indication service CID in response to the provisional reservation request signal.
• the card payment terminal Al-An sends the card number and card information stored in the credit card, a terminal ID number, and payment amount information to the server PSLMS via the data communication network. Then, the server PSLMS extracts the customer information from the credit card information of the customer and confirms whether or not the customer is a pre-registered provisional reservation customer.
• the server PSLMS If the customer is a provisional reservation customer, the server PSLMS generates an agreed provisional reservation point and gives a payment sequence number of the customer after a previous payment sequence number within a pre-classified group according to the payment amount information of the card payer.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner in real times. If the customer is not a prize winner, the server PSLMS sends non- winning information on the customer to the card payment terminal Al-An. For example, the server PSLMS provides the card payment terminal Al-An with message data as follows: your authentication number is 19 which is the prior number of the prize winner . Then, the card payment terminal Al-An sends a payment signal to the electronic authentication server ES to make an approval request through a credit inquiry. The electronic authentication server ES generates a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information sent from the server PSLMS with the payment information.
• the server PSLMS settles a final payment amount excluding the winning money from the payment amount of the customer, and sends the winning information (winning money information) to the card payment terminal Al-An. Then, the card payment terminal Al-An sends the payment information excluding the winning money to the electronic authentication server ES to make an approval request through a credit inquiry.
• the electronic authentication server ES provides a signal for request of the credit inquiry and card payment of the card to the finance payment server CBSl.
• the finance payment server CBS 1 sends the payment information of the customer to the card payment terminal Al-An. Then, the card payment terminal Al-An outputs on a receipt the winning information provided from the server PSLMS with the payment information.
• the server PSLMS updates the payment sequence number of the prize winner with 0 if there exists the prize winner, and thereafter, the chain store and the server PSLMS perform a settlement for the point money.
• Fig. 36 is a flowchart showing a receipt for use in a delivery company of a lottery system based on the sequence number of payment in accordance with a fourteenth embodiment of the present invention
• the lottery system based on the sequence number of payment of this embodiment receives an authentication number of the sequence number point to be outputted in advance on a receipt from the server PSLMS when a delivery company inputs the payment information thereto, and then helps to get a sequence numbering service by connecting to the server PSLMS through the customer s PC or hand phone.
• the delivery company provides the server PSLMS with its own information and information on an amount of goods ordered upon receipt of the order to output the authentication number generated from the server PSLMS on the cash receipt.
• the server PSLMS checks the inputted authentication number to confirm if the customer purchased which goods at which chain store, thereby providing the sequence numbering service.
• a receipt 20 provided from the delivery company to the customer is depicted.
• a payment amount 22 is shown and a payment date 24 is written on the lower side thereof.
• an authentication number 26 which is generated by the server PSLMS and printed after the chain store includes it in the receipt 20, a chain store ID number 30 and a telephone number and a chain store s name 28.
• HPl-HPn after getting the receipt 20 from the delivery worker, and inputs the authentication number 26 written on the receipt 20, thus receiving the sequence numbering service and diverse kinds of services offered by the server PSLMS.
• Figs. 37 and 38 are flowcharts showing a signal flow of a lottery system based on the sequence number of payment in accordance with the fourteenth embodiment of the present invention.
• Fig. 37 describes a flowchart for inputting ordered goods and automatically generating an authentication number, in the state where the chain store connects to the server PSLMS through the chain store s PC or hand phone.
• Fig. 38 describes a flowchart for getting an authentication number by connecting to the server PSLMS through the electronic authentication server being the van server and inputting a payment amount. That is, Figs. 37 and 38 describe a method in which the chain store connects to the server PSLMS and gets the authentication number.
• the chain store when the chain store receives an order from a specific customer, the chain store inputs an authentication number generation request signal, total payment amount information and the chain store s code, in the state where it connects to the server PSLMS through the chain store s PC or hand phone.
• the server PSLMS receives the authentication number generation request signal, the total payment amount information and the chain store s code, generates an inherent authentication number (serial number), and registers the authentication number in connection with the information sent from the chain store.
• the chain store includes the authentication number from the server PSLMS in the receipt 20, and then provides it to the customer after its output.
• the customer receives the authentication number and sends it, in the state where he or she connects to the server PSLMS through the customer s PC or hand phone later. Then, the server PSLMS extracts the above information through the authentication number. Based on this, the server PSLMS can judge what the payment amount of the customer is, and thus generates a point corresponding to the payment amount to provide the sequence numbering service by using the point.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is a prize winner, the server PSLMS tenders the winning money by total or part of the payment amount.
• a master card in case of giving an authentication number in other ways, can be provided from the server PSLMS to the chain store to give the authentication number, and the master card s number is registered in the electronic authentication server ES.
• the electronic authentication server ES registers the master card number upon receipt thereof to judge that the signal is not an actual payment request signal but is a signal indicating that the payment information should be sent to the server PSLMS.
• the server PSLMS receives the authentication number request signal, the total payment amount information and the chain store code, generates an inherent authentication number (serial number), registers the authentication number by in- terworking with the information sent from the chain store, and sends the authentication number to the card payment terminal Al-An of the chain store over the electronic authentication server ES.
• an inherent authentication number serial number
• the chain store includes the authentication number sent from the server
• PSLMS in the receipt 20 and provides it to the customer after printing.
• the customer inputs and sends the authentication number, in the state where he or she connects to the server PSLMS through the customer s PC or hand phone later. Then, the server PSLMS extracts the above information through the authentication number. Based on this, the server PSLMS can judge what the payment amount of the customer is, and thus generates a point corresponding to the payment amount, to thereby provide the sequence numbering service by using the point.
• the server PSLMS can confirm in real times whether or not the customer is a prize winner. If the customer is a prize winner, the server PSLMS tenders the winning money by total or part of the payment amount.
• Fig. 39 is a diagram showing a gift certificate for use in a chain store of a lottery system based on the sequence number of payment in accordance with a fifteenth embodiment of the present invention.
• the lottery system based on the sequence number of payment of this embodiment is a system which can promote a circulation of a gift certificate of each chain store by providing a point for a sequence numbering service that can be used within a fixed period by registering an authentication number of the gift certificate in the server PSLMS when it is issued from each chain store, additionally offering a certain interest by computing a period until prior to use of the gift certificate if the fixed period has expired, and providing an additional benefit when a customer purchases the gift certificate by automatically deleting the point.
• the lottery system based on the sequence number of payment of this embodiment revitalizes the selling of the gift certificate by providing two benefits to the customer upon selling of the gift certificate issued by each chain store, and generates advance sales.
• One of the two benefits is associated with providing a sequence numbering service executed in the server PSLMS by offering a specific point for a certain time period from a purchase of the gift certificate.
• the other benefit is related to additionally providing a point by computing the rate of interest separately provided by the proprietor of the chain store until the use of the gift certificate from expiration of the usable period. At this time, the customer does not receive both the specific point and the interest benefits that can be used for a fixed period from purchase of the gift certificate, but receives a point upon purchase of the gift certificate. Upon expiration of the usable period of the point, the customer can receive a certain interest benefit, and thus has a chance of various benefits although he or she purchases the gift certificates in advance.
• Upon selling thereof Upon selling thereof, it registers the selling information, computes time or period to check a point usage period, provides a point usage service within the point usable period, subtracts a point upon expiration of the point usable period and computes the rate of interest, computes a period until the use of the gift certificate later and exchange it to a corresponding point. By doing so, it automatically performs a whole management of the gift certificate from issuance thereof from the chain store to use of the customer.
• Fig. 40 is a flowchart showing a signal flow of the lottery system based on the sequence number of payment in accordance with the fifteenth embodiment of the present invention.
• the chain store prints and issues a gift certificate.
• the chain store sends gift certificate issuance information including a serial number and par value of the gift certificate to the server PSLMS, in the state where the chain store connects to the server through the chain store s PC or hand phone.
• the server PLSMS registers the gift certificate issuance information with respect to each chain store. Thereafter, the chain store sends the serial number and the gift certificate selling information to the server PSLMS through the chain store s PC or hand phone upon selling thereof.
• the server PSLMS registers the selling information of the gift certificate and generates a point according to the selling of the gift certificate. And, it initiates to count for period computation which is available to use the point, and provides the customer s PC or hand phone with corresponding point information. Namely, prior to use of the gift certificate, the customer can get various services or goods by using the point and also receive the sequence numbering service provided by the server PSLMS.
• the server PLSMS accepts the serial number information of the gift certificate from the customer and extracts the pre-registered serial number information. After that, it executes the sequence numbering service after confirming the par value and point information, and confirms the winning or non- winning.
• the server PSLMS sends the winning information to the customer s hand phone or PC.
• the customer uses the point
• the interest benefit by a separate period is not given.
• the server PSLMS checks the point usage period to judge whether or not the point usable period has expired.
• the server PSLMS deletes the point and initiates counting for computing the rate of interest by periods.
• the server PSLMS After lapse of a certain period, if the customer wants to use the gift certificate, the server PSLMS receives a usage signal of the gift certificate through the card payment terminal Al-An prepared in the chain store, or the chain store s PC or hand phone, halts the interest counting, computes the rate of interest by periods, and sends the point information to the chain store after exchanging the rate of interest to a point, to enable the customer to confirm it.
• the customer can receive various kinds of services including the sequence numbering service provided by the server PSLMS later based on the serial number.
• the lottery system and method based on the sequence number of payment of the invention discounts a payment amount or offers a cyber money by giving a payment sequence number for each group pre-classified by payment amounts and deciding a winning or non- winning by comparison of the given sequence number and a predetermined winning number, upon payment for good amount through a credit card or cash.
• the lottery system and method of the invention can revitalize consumption, increase sales of each chain store, and provide winning money which is proportional to a used amount to a customer.

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