JP2003256602A - Charge clearing method for pay information through network - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a charge cleaning method for pay information through a network, capable of performing charge clearing by using a reliable totalizator by solving the problem of settlement caused by use of a credit card. <P>SOLUTION: An apparatus of a sport event sponsor including a totalizator for managing the operation of a sport event and managing betting by members of cash-less betting, is informed of a password for receiving pay information from a device of an information provider. The apparatus of the stores the password in a memory, conducts the processing according to the request for purchasing betting tickets from the terminal of the betting person through the network, and the terminal is informed of the password to the request for the password for gaining access to the pay information. The terminal accesses the device of the information provider through the network to input the password an receive the pay information, and the apparatus of the sponsor clears the charge of the pay information from the member's bank account. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method for pay information via a network.

[0002] In competitions such as horse races and bicycle races, a totalizer is used to perform processing such as totaling the voting tickets for each competition to calculate the amount of sales and the calculation of dividends (refunds).

In recent years, a system has been operated in which a voter of a competition can access a totalizer run by a competition organizer and purchase a voting ticket without cash. In that case, the amount that the user of the system can purchase is transferred from the bank to the totalizer in advance (registration), the purchase application for the voting ticket is made from the terminal such as a telephone, and it is transferred to the user's account based on the result. Or it is settled by withdrawal.

On the other hand, the Internet has various information and
Although it is possible to buy and sell goods for a fee, it is desired that the price can be settled securely and reliably.

[0005]

2. Description of the Related Art FIG. 8 shows a conventional purchasing method using a credit card. In the figure, 80 is a general user, 81 is a bank, 82 is a credit card card company, and 83 is a store that sells products and services of each company that receives payment by card. The user 80 opens an account in a bank 81 (a in FIG. 8), then contracts with a card company 82 and has a credit card (same b), and the user of the bank 81 pays the credit card. Will be deducted from your account. This user 80 is a product (or service) using a credit card at the store 83
In order to purchase the item, the store 83 checks the credit card number (not shown), and if the use is approved, the product (service) is given to the user (c in FIG. 8). After that, the store 83 bills the card company 82 with a credit card number (d in FIG. 8), and the card company 82 pays the store 83 (same e), and the card company 82 makes the user 80 of the bank 81. Receive the amount of money deducted from the account (same f). In recent years, there have been cases where goods are purchased or paid information is received via the Internet. At that time, a method of making payment using a credit card is used.

[0006]

According to the above-described conventional credit-based selling method using a credit card or the like, in the case of making a purchase through the Internet by informing the seller of the product etc. of the information of the purchaser's individual credit card or the like. There is a risk of information leakage due to the transmission of the credit card number on the line.

Further, a person who does not have a credit card or the like needs to make a contract with a card company to issue a card first, and the procedure for that is required, which is troublesome. Furthermore, in the case of credit cards, there may be cases where the bank balance is insufficient, and in that case the procedure is also troublesome.

On the other hand, there is known a cashless purchase method of voting tickets for bicycle races, horse racing, etc. FIG. 9 shows a conventional cashless voting management method. Is the system configuration, B. Is the cashless voting / settlement flow. In the figure, 90 is a user's terminal (telephone, etc.), 91 is a network including a telephone network and a data network, 92 is a line accommodation device, 93 is a voice response device, 94 is a vote acceptance / aggregation device, and 95 is a bank. , 92 to 94 form a totalizer.

It is assumed that the user of the terminal 90 is allowed to vote for the totalizer in advance by cashless, and is registered as B.B in FIG. The flow will be described. In that case, a certain amount of money from the post-bank account of the user 90 of the bank 95 needs to be deposited (transferred) in advance as a balance for purchasing the voting ticket. The amount is transmitted from the bank as shown in a and received by the totalizer. In this state, when a vote request is made from the user's terminal 90 through the network, the totalizer accepts votes as shown in b. For this acceptance, the user inputs a user number, a personal identification number, etc. by a dial key in response to an instruction from the voice response device 93, and when approved, inputs a race number, a voting ticket, the number of sheets, etc. You can proceed with. After this, the competition subject to voting has ended,
When the dividend is determined, the settlement process shown in c is performed. In this settlement processing, an operation of subtracting the difference between the amount required to purchase a voting ticket and the dividend from the current balance is performed.
After this settlement process, the settlement amount is sent to the bank user's account as shown in d.

[0010] When providing paying information (services) and products related to horse racing, bicycle racing, etc. to users who vote without cash, a problem is solved by using a credit card to settle and a reliable totalizer. The purpose of the present invention is to provide a payment method through a network of pay information that performs payment by using.

[0011]

FIG. 1 shows the principle configuration of the present invention. In the figure, 1 is a totalizer held and managed by the organizer of various competitions, 2 is a network such as the public telephone network or the Internet, and 3 is a cashless vote registered in advance so that a cashless vote can be made for the competition. Telephones connected to network 2 held by members of
The terminal of the voter such as a personal computer, 4 is the device of the bank that manages the account of the voter connected to the network 2, 5 is the information connected between the totalizer 1 and the terminal 3 of the member of the cashless voting connected to the network 2. The device (or server) of the information provider that sends and receives the information. 1a in the totalizer 1 is a processing device, 1b data about voting, account number,
A memory for storing a password, a payment amount, etc., 1c is a line accommodation device, 1d is a voiceless response to an incoming call from a terminal 3 of a member of a cashless vote for purchasing a voting ticket, and an instruction is given and input. A voice response device 1e that receives an input signal for purchasing a betting ticket is an interface with the processing device 1a for access from the bank device 4, the information provider device 5, and the like.

When an information provider wants to provide pay information to a cashless voting member (voter) who is qualified to receive the cashless voting ticket purchase / settlement service of Totalizator, the information provider's device From 5 notify the competition organizer Totalizer 1 of the password for information provision. The password is stored in the memory 1b of the totalizer 1. On the other hand, if the user wishes to purchase the paid information from the information provider from the terminal 3 of the voter who is a member of the cashless voting, he / she connects to the totalizer 1 via the network 2 to make a response by the voice response device 1d and from the terminal 3. Apply for purchase of paid information by entering your membership number. As a result, when it is determined that the user is qualified, the password for accessing the pay information is taken out from the memory 1b and notified to the voter's terminal 3. After that, when the voter wants to obtain paid information, he / she accesses the information provider's device 5 from the terminal 3 via the network 2 and requests the information together with the above password.
The device 5 of the information provider collates the password notified to the totalizer 1 in advance, checks the voter, and when it is found to be valid, transmits the information to the terminal 3. In addition to the settlement of the voting ticket, the totalizer 1 calculates the information provision fee and notifies the device 4 of the bank having the bank account of the voter of the amount to be paid to the information provider. The bank transfers the notified amount to the information provider's account on a specific day. In addition, the settlement result by the voting ticket is added (when increased) or subtracted (when decreased) to the balance of the voters held in the totalizer 1 and the balance is stored in the memory 1b.
Stored in.

In the above description, information is provided only to cashless voting members, but it is possible to provide paid information to other general users as well. The person can provide the information by inputting the credit card number from the terminal 3 to the information provider's device 5.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT FIG. 2 is an example of the configuration of a system in which the present invention is implemented. In the figure, 10 to 13 are devices that compose the totalizer 1 of FIG. 1 and are managed by the competition organizer, and 10 is a totalizer's vote acceptance, calculation, refund calculation, and cashless member settlement processing. , A host computer having a processing function for an information provider according to the present invention in addition to functions such as remittance with a bank, 11a is a member management file for storing voting information of members, and 11b is settlement based on voting results of members , And a payment file that stores data for clearing paid information. 12 is a voice from a cashless voting member or an introduction of voting contents, and notifies the operation (push button) operation by voice or obtains information. A voice response device for performing processing such as voice notification of password to members wishing to A few houses, line or to receive the member's account balance data from the bank, a line accommodation apparatus for accommodating the line or the like to receive a notification from the line and an information provider password to send the settlement data of the member to the bank. Further, each reference numeral 2 to 5 corresponds to each portion of the same reference numeral shown in FIG. 1, 2 is a network such as the Internet, and 3 is qualified for cashless voting (member).
It is a terminal of a voter registered as and has an input function such as a keyboard and a numerical key and a display function of characters and images. Four
Is a bank device in which an account of a voter who is eligible for cashless voting is set up, and has an information processing function for performing online processing. 5 is a device (or site) owned by the information provider, and pay information (text, text,
It has a function to provide still images, moving images, audio, etc.).

FIG. 3 shows an operation sequence according to the present invention. The totalizer 1 will be described with reference to FIG.
Then, the balance of the account of the voter who is qualified for cashless voting is received from the bank device 4 through the network 2 (a in FIG. 3). After that, when the password for extracting information is notified from the terminal 5 of the information provider (b in FIG. 3), this is stored in the file 11. On the other hand, when the totalizer 1 is accessed through the network 2 to vote from the voter's terminal 3, the subscriber (member) number is input from the terminal 3 while receiving a voice response by the voice response device 12. And (c in FIG. 3), host computer 1
If 0 confirms the subscriber number and finds that the member is a valid member, the vote can be accepted.

In the example of this operation sequence, at this time, the voter provides the pay information provided by the information provider before the vote (for example, information indicating the state of the horse in the case of horse racing, prediction of race, etc.).
When a request to view is input, the host computer 10
Notifies the voter of the password for obtaining the information (d in FIG. 3). At this time, a fee (pay information fee) is charged to the member who has notified the password.
Although only one information provider is shown in FIG. 2, since a plurality of information providers can exist, different passwords are registered by each information provider.

When the voter transmits the location of the competition, the race number, the type of vote, the number of sheets, etc. from the terminal and the totalizer 1 receives this (e in FIG. 3), the host computer 10 obtains the vote information. Write in the member management file 11a.

In order to obtain information, the voter who has received the password accesses the information provider's device (site) 5 from the terminal 3 and inputs the password (f in FIG. 3). If the check is valid, the pay information is provided to the terminal 3 (g in FIG. 3).

After that, when the competition related to the voting is completed, the dividend for the voting ticket is announced according to the result, and the aggregation processing (settlement processing) of each member is performed. The result of the payment process is stored in the payment file 11b. At this time, the charged data fee is included in the payment data of the subscriber (voting ticket member). The payment data of the subscriber and the data of the transfer of funds to the account of the information provider are transmitted from the totalizer 1 to the device 4 of the bank (h in FIG. 3), and the device 4 of the bank charges the information provider's account to the account of the information provider. Transfer the amount of money. The information provider completes the settlement by withdrawing the information provision fee from his account (i in FIG. 3).

FIG. 4 is a processing flow of the host computer of the totalizer, and the processing corresponding to the operation sequence of FIG. 3 is executed. Further, FIG. 5 shows an example of various data configurations used in the processing of FIG.

First, the balance data is received (from the bank) and stored in a file (S1 in FIG. 4). As shown in FIG. 5A, the structure of the balance data is composed of a member number, an account number, and an account balance. Next, the password sent from the information provider is set for each information provision (S2 in FIG. 4), and the state of waiting for vote acceptance is reached (S in the same S).
3). The vote acceptance time is limited to a certain time before each competition starts (it will be closed before the race starts), and if there is a vote acceptance, it is judged whether it is during the vote acceptance time (S4 of FIG. 4), acceptance In the middle, the member confirmation process is performed by the member number sent by the voter (at step S5). When the member confirmation is abnormal (not a member), the voter is notified that the vote is impossible (at the same time). S13), if the member confirmation is normal, it is determined whether a password for obtaining the information of the information provider is desired (S7). If you wish, you will be charged at the same time as notifying the password, so make sure that the balance of this member is sufficient for the browsing fee of the provided information (S8 in FIG. 4).
If the password is insufficient, a process of notifying that the password cannot be notified is performed (at step S9), and if sufficient, a process of notifying the password to the voter is performed (step S10 in FIG. 4). When the provided information is not desired, the vote acceptance processing for purchasing the voting ticket requested by the voter is performed (at step S11). Next, the balance of the member is confirmed (S12 in FIG. 4), it is determined whether there is a balance for purchasing the requested voting ticket, and if the balance is insufficient, notification processing that the voting is impossible is performed (S13), and the balance. If normal (sufficient), the voting process is performed and the voting completion notification process is performed (S14).

In the above step S4, when the voting acceptance time is over, the settlement process is performed by the calculation including the deduction from the balance including the dividend by the voting ticket (S1 in FIG. 4).
5), store in member management file. An example of the data structure of the member management file is shown in B of FIG. In this example,
It consists of a membership number, a personal identification number (a number for confirming that you are a cashless member), an account number, an account balance, a purchase amount, a refund amount (dividend), and an information fee amount.

Next, a process for transmitting the settlement data to the bank device 4 is performed (S16 in FIG. 4). FIG. 5C shows settlement data (part 1) to the bank instructing the transfer of funds to the voter's account, which is composed of a member number, an account number, a purchase amount, and a refund amount. Further, a process of notifying the device 4 of the bank to move the information use fee to the information provider is performed (at step S17), and a clearing process is performed (at step S18). An example of the structure of the payment data is shown as the payment data (No. 2) in FIG. 5D, and is composed of the date, the information provider name, the information receiver, and the transfer amount.

FIG. 6 is a processing flow of the device (5 in FIG. 2) of the information provider, and the processing corresponding to the information provider in the operation sequence of FIG. 3 is executed.

First, the password for the totalizer cashless voting member (password for providing information) is determined and notified to the totalizer (S1 in FIG. 6). Next, a process of setting a password (the password determined in S1 above) on the screen of the device of the information provider is performed (S2 in FIG. 6). This password can be changed daily. After that, the main screen output process (waiting for input from voters) is performed (at step S3). When the input occurs, it is determined whether the password matches the totalizer cashless voting password set above (S4 in FIG. 6). If the passwords do not match, the information charge is paid because the person is not a member of cashless voting. In order to have the credit card number for receiving the credit card input, processing for outputting a credit card number input screen (waiting for input) is performed (S5). This S5
After the above process and when a password coincidence is obtained in S4, an information screen output process is performed (S6).

FIG. 7 is an example of a WEB site screen provided by the information provider, which is displayed by the processing of FIG. 6 described above. In this example, a video of the result of the competition is provided as pay information. A. of FIG. Is the content to be displayed on the voter's terminal from the information provider as a "totalizator competition video distribution site". The "competition category" in this category is a category for selecting horse race (center), horse race (region), bicycle race, boat race, auto race, and the like. "Venue" is the part for selecting the name of the stadium such as Tokyo, Nakayama, etc. when the race category is horse racing, and "Holding date" checks the day on which the race for which information is desired will be held. Select the day or the day other than the day.
As for the "information content", a live video of the race and a video of the race result are provided for a fee, and the race result and the refund amount are provided free of charge, and either one is checked.

The "password" is an item that must be entered in the case of pay information, and the password entered here distinguishes between "general user" and "totalizer cashless member". "Totally Zeta Cashless Member" inputs the password obtained at the cashless voting.
The "general user" inputs the password notified when the user who registered for this information providing site was registered.

B. of FIG. Is a screen for inputting a credit card number when a general person who is not a totalizer cashless voting member (does not enter a password) requests the provision of pay information.

C. of FIG. Shows a screen of pay information that is output to the terminal when the password for the totalizer cashless voting member is input and when a general person who is not a member inputs a credit card number. In addition, this C.
On the screen of, the contents that the user is free of information charges (A.
If you check the race result and refund amount), each will be displayed.

(Supplementary Note 1) In a payment method for pay information via a network, a competition provided with a totalizer that manages competition management and manages transactions through accounts such as cashless voting by members and voting. The organizer's device is notified of the password for receiving paid information from the information provider's device via the network, and the competition organizer's device stores the password in the memory, and the voter's device via the network is notified. In response to a request for a password to access pay information from a terminal, the password stored in the memory is notified to the terminal, and the terminal transmits the password via a network. Access the information provider's device, enter the password to receive paid information, and the competition organizer's device A method for paying for paid information via a network, characterized in that the cashless voting member who has notified the password is cleared from the account including the paid information.

(Supplementary Note 2) In Supplementary Note 1, the competition organizer device receives the cash balance voting member balance data from the bank device, stores it in the memory, and accesses it from the cashless voting member terminal. By using the balance data of each member, liquidation of the voting ticket and refund by the competition after the purchase of the voting ticket by the above and payment of the price based on the notification of the password for receiving the above-mentioned paid information are executed, and the requested information is provided A method for paying for paid information via a network, characterized in that the processing of transferring the payment to the bank account of the information provider is performed to the device of the bank.

(Supplementary Note 3) In Supplementary Note 1 or 2, the device of the competition organizer enables the acceptance of votes until a certain time before the competition is executed, and when the acceptance time is over, the voting ticket is purchased and the password is notified. A payment method for pay information via a network, which comprises performing a payment process including a corresponding payment, and notifying an information provider's device of the information usage charge via the network.

(Supplementary Note 4) In Supplementary Note 1, the device of the information provider checks whether or not the same password as the one notified to the competition organizer has been input for access from the terminal requesting the provision of information, In the same case, the requested information is provided, and if the password is not entered, the information is provided by the credit card number of the user who requests the information provision. .

[0034]

According to the present invention, since the cashless voting member (subscriber) requesting the information has been confirmed by the competition organizer, it is not necessary to confirm the identity by the information provider, and pay information is required. It is possible to reliably collect the charges. Also, cashless voting subscribers can purchase information within the range of the balance of the voting account on the day when requesting information,
The trouble that the information provider cannot receive the payment can be basically prevented.

[Brief description of drawings]

FIG. 1 is a diagram showing a principle configuration of the present invention.

FIG. 2 is a diagram showing a configuration example of a system in which the present invention is implemented.

FIG. 3 is a diagram showing an operation sequence according to the present invention.

FIG. 4 is a diagram showing a processing flow of a host computer of a totalizer.

5 is a diagram showing an example of various data configurations used in the processing of FIG.

FIG. 6 is a diagram showing a processing flow of a device of an information provider.

FIG. 7 is a diagram showing an example of a WEB site screen provided by an information provider.

FIG. 8 is a diagram showing a conventional purchasing method using a credit card.

FIG. 9 is a diagram showing a conventional cashless voting management method.

[Explanation of symbols]

1 totalizer 1a Processor 1b memory 1c Line accommodation device 1d voice response device 1e interface 2 network 3 Voter's terminal 4 Bank equipment 5 Information provider's device

Claims (3)

[Claims] 1. A competition organizer equipped with a totalizer that manages competition management and manages transactions through accounts such as voting by cashless voting members and refunds in the method of clearing paid information over a network. To the device of the information provider, the password for receiving the pay information from the device of the information provider is notified to the device of the competition organizer, and the device of the competition organizer stores the password in the memory, and from the terminal of the voter via the network. In response to a request for a password to access pay information, the password stored in the memory is notified to the terminal, and the terminal provides information via a network. Access the competitor's device, enter the password to receive the paid information, and the competition organizer's device will A payment method for pay information via a network, which is characterized in that the cashless voting member who has notified the card is cleared from the account including the payment for the paid information. 2. The apparatus according to claim 1, wherein the competition organizer's device receives cashless voting member balance data from a bank device, stores it in a memory, and accesses it from a cashless voting member's terminal. By using the balance data of each member, the settlement of the voting ticket and the refund due to the competition after the purchase of the voting ticket and the settlement of the price based on the notification of the password for receiving the pay information are executed, and the requested information is provided. A payment method for pay information via a network, characterized in that a process of transferring the payment to a bank account of an information provider is performed to a device of the bank. 3. The apparatus according to claim 1, wherein the competition organizer's device enables the reception of votes until a certain time before the competition is executed, and when the reception time is over, the price corresponding to the purchase of a voting ticket and the notification of the password. A payment method for pay information via a network, which comprises performing settlement processing including clearing and notifying an information provider's device of the information usage fee via the network.