JP2022117203A - Sportsbook settlement system - Google Patents

Abstract

To allow a user to withdraw money only through a fund management apparatus to which the user deposited money so as to facilitate enhancement of a fraud prevention function.SOLUTION: A settlement system 1 includes a management server 680 which can receive money deposited from a user for betting on an event through multiple fund management apparatuses 10a-10e. The management server 680 executes (A1) processing of storing identification information of a user in association with the fund management apparatuses 10a-10e used for depositing money, and (A2) processing of accepting withdrawal processing with respect to the fund management apparatuses 10a-10e on condition that a withdrawal source is included in the fund management apparatuses 10a-10e stored in the processing (A1) when the user requests the withdrawal processing from a user terminal device 50.SELECTED DRAWING: Figure 1

Description

The present invention relates to a sportsbook payment system that allows betting continuously via user terminal devices from before the start of an event to during the event.

Conventionally, there are cases where a sportsbook is held using a fund management device having a withdrawal function instead of a bank. Specifically, if the user opens an account in the fund management device, makes a bet by transferring the bet amount for the event from the fund management device to the management server of the sportsbook, and then wins the event, , a winning amount based on a bet amount and odds is paid out to a management server (Patent Document 1).

International Publication No. WO2011/007462

However, it is possible that a user opens accounts in a plurality of money management devices, and uses these money management devices to fund and cash funds for betting on sportsbooks across multiple accounts. . As a result, funds for betting, accounts deposited to use sportsbooks, and accounts withdrawn and cashed are diversified, making it impossible to manage withdrawal sources and withdrawal destinations. Therefore, it is desired to easily strengthen fraud prevention functions.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a sportsbook settlement system that strengthens monitoring of illegal fund transfers.

The present invention is a sportsbook settlement system in which betting can be continuously made via a user terminal device from before the start of an event to during the event, and odds can be changed according to the timing of betting on the event. There is
a management server capable of accepting deposits from users for betting on the event via a plurality of fund management devices;
The management server is
(A1) a process of linking and storing the identification information of the user and the fund management device to which the deposit was made;
(A2) When the user requests withdrawal processing from the user terminal device, on the condition that the withdrawal source is included in the cash management device stored in processing (A1), and a process of accepting a withdrawal process.

According to the above configuration, it is possible to execute a control that only permits withdrawals via the fund management device to which the user has deposited money, so it is possible to restrict unnatural distribution of funds, thereby facilitating enhancement of fraud prevention functions. .
In (A1) above, a plurality of fund management devices may be stored in association with user identification information in the management server. Of course, in order to improve the fraud prevention effect, it is also possible to allow withdrawal only to the cash management device used for the previous deposit.

Also, in the sportsbook payment system of the present invention,
In the processing (A2), if the cash management device selected as the withdrawal source is not stored in the processing (A1), the management server can withdraw the cash management device stored in the processing (A1). may be displayed on the user terminal device as a cash management device of the withdrawal source.

According to the above configuration, it is possible to notify the user operating the user terminal device of the funds management device that can be withdrawn. .

Also, in the sportsbook payment system of the present invention,
The management server may display the amount of money that can be withdrawn from each fund management device together with the display of the funds management device that can be withdrawn.

According to the above configuration, by enabling the user operating the user terminal device to withdraw money according to the displayed withdrawal amount of the cash management device, the processing of depositing the shortfall to the cash management device can be performed. Quick withdrawals are possible without the need.

INDUSTRIAL APPLICABILITY The present invention can provide a payment system for sportsbooks that facilitates enhancement of the fraud prevention function by permitting withdrawal only through the fund management device in which the user has deposited money.

It is a flow chart which shows operation of a payment system. FIG. 10 is an explanatory diagram of a real-time bet; It is an explanatory view showing the whole settlement system composition. 3 is a functional block diagram of a fund management device; FIG. 3 is a functional block diagram of a fund management device; FIG. It is a functional block diagram of a management server. FIG. 4 is an explanatory diagram of a deposit source management table; 3 is a functional block diagram of a user terminal device; FIG. FIG. 4 is an explanatory diagram showing a display state of a transaction screen of a user terminal device;

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to the drawings.

(Payment system: overview)
As shown in FIG. 1, the sportsbook payment system 1 of the present embodiment allows betting continuously through the user terminal device 50 from before the start of the event to during the event, and betting on the event. This is applied to real-time bets where the odds can be changed according to the timing, and only the money management device with which the user deposits money to the management server 680 is allowed as a withdrawal source among the plurality of money management devices 10a to 10e. is configured as

To give a specific example, the payment system 1 includes a management server 680 that can accept deposits from users for betting on events via a plurality of fund management devices 10a to 10e. The management server 680 performs (A1) a process of linking and storing the identification information of the user and the fund management device 10a to 10e into which the deposit was made, and (A2) the user requesting a withdrawal process from the user terminal device 50. If so, on the condition that the withdrawal source is included in the funds management devices 10a to 10e stored in the processing (A1), a processing for accepting withdrawal processing to the funds management devices 10a to 10e is executed. In other words, in the process (A2), when the user selects one of the cash management devices 10a to 10e from the user terminal device 50 and requests withdrawal processing, the cash management device selected as the withdrawal source Withdrawal processing is accepted on the condition that 10a to 10e are stored in processing (A1). As a result, control is executed that only permits withdrawals via the fund management devices 10a to 10e into which the user has made a deposit. are carried out through one cash management device. Therefore, as a result of facilitating detection of fraud, it becomes easy to strengthen fraud prevention functions, such as restricting unnatural distribution of funds.

It should be noted that the cash management apparatuses 10a to 10e of the deposit source, which are linked to the user identification information described above and stored in the management server 680, store a plurality of cash management apparatuses 10a to 10e as deposit source history information, and the user terminal By operating the operation unit 504 of the device 50, selection input is performed from among the plurality of fund management devices 10a to 10e that have been deposited in the past, and the management server 680 manages the funds of the withdrawal destination specified from the user terminal device 50. After determining whether or not the devices 10a to 10e are the fund management devices 10a to 10e that have been deposited in the past (S109), only when it is determined that the devices 10a to 10e are the fund management devices 10a to 10e that have been deposited in the past, Although it is configured to accept money, it is not limited to this, and may be configured to allow withdrawal only from the fund management devices 10a to 10e used for the previous deposit.

In this case, the risk of fraud can be further improved by permitting withdrawal of money only to the money management devices 10a to 10e to which the money was deposited immediately before. There is

Further, for example, when the amount is less than a certain limited amount, the management server 680 determines whether the withdrawal amount input from the user terminal device 50 is less than or equal to a predetermined amount. It can also be configured to allow withdrawals from nonexistent fund management devices 10a to 10e.

Furthermore, a timing device (not shown) is provided in the management server 680, and when the money management devices 10a to 10e store the money management devices 10a to 10e in the management server 680 as deposit history information, processing is performed to link and store the timing information at the time of storage. It is also possible to adopt a configuration in which the data is stored after the

When this configuration is adopted, when the management server 680 makes a withdrawal determination (S109), the management server 680 can collect funds that have passed a certain period based on the timing restriction information set and stored in the management server 680 in advance. It is also possible to refuse withdrawals from the management devices 10a to 10e.

In addition, the management server 680 determines in the withdrawal determination (S109) whether or not there is a predetermined number of deposit histories, and allows withdrawals from the fund management devices 10a to 10e that have a predetermined number of deposit histories. can also be configured to In this case, the management server 680 is configured to gradually store the number of deposits of the fund management device 10 that is the deposit source each time a deposit is made.

Here, the "event" means a bet target such as a process or an action in which some result appears. Events include matches and games such as soccer and baseball that are executed by humans and computers, as well as changes in the natural world such as national elections and local elections, movements of animals and plants, and events that do not involve humans or computers. There may be.

“Withdrawal” includes remittances between the fund management devices 10a to 10e, payments at automatic teller machines, and remittances and transfers from the fund management devices 10a to 10e to financial institutions such as banks. "Bet" means betting not only money but also game media such as game points, and can be read as voting. As types of game media, there are convertible game media such as chips, tokens, and plaques, and non-convertible game media. Configurations made readable are applicable. Note that the external form is a form that can be identified from the outside, such as colors, patterns, characters, images, and shapes. Also, the convertible game media refer to game media that can be used for games in game halls such as casinos and that can be directly exchanged for currency.

In the process (A2), the management server 680 is selected as the withdrawal source when the user selects one of the cash management devices 10a to 10e from the user terminal device 50 and requests withdrawal processing. If the fund management device 10a to 10e is not stored in the process (A1), the user terminal device 50 displays the fund management device 10a to 10e stored in the process (A1) as the withdrawal source. processing may be performed. In this case, it is possible to notify the user operating the user terminal device 50 of the funds management devices 10a to 10e that can be withdrawn, thereby saving the trouble of searching for the funds management devices 10a to 10e that can be withdrawn. becomes possible.

In addition, in the withdrawal disapproval process in the process (A2), the management server 680 preferably displays the withdrawable funds amount of each of the funds management apparatuses 10a to 10e together with the display of the funds management apparatuses 10a to 10e that can be withdrawn. . In this case, by enabling the user operating the user terminal device 50 to withdraw money according to the displayed withdrawal amount of the cash management devices 10a to 10e, the shortage of money to the cash management devices 10a to 10e is possible. Quick withdrawals are possible without the need for deposit processing.

In addition, in the withdrawal prohibition process in the process (A2), the management server 680, if there are a plurality of the funds management apparatuses 10a to 10e stored in the process (A1), 10e to 10e may be displayed in order. In this case, when there are many fund management devices 10a to 10e to be selected, the user can easily make a selection.

(Payment system: real-time bet)
As shown in FIG. 2, the payment system 1 configured as described above is applied to real-time betting. A real-time bet can be continuously placed via the user terminal device 50 from before the start of the event to during the event, and the odds can be changed according to the timing of betting on the event.

To give a specific example, if the first bet target as a specific event is a soccer game, the odds are determined for the result of the execution of the game, such as win/lose, draw, point difference, etc. of the soccer game. The odds can be changed at the discretion of the bookmaker over the pre-betting period before the start of the game and the ongoing betting period after the start of the game. The user can place a bet using the user terminal device 50 while checking the odds during the entire betting period. A bet can be made any number of times during the betting period, and can be made with the odds at each betting timing. When the game ends and the result of the game execution is known, the winning amount for the first bet object based on the bet amount and the odds is paid to the user who wins the bet.

It should be noted that one or more bet target events may be executed at different timings in relation to a specific event. For example, if the specific event is a soccer game, the number of fouls and penalty kick events during this soccer game occur randomly and cannot be controlled by the sportsbook management server. In real-time betting, the management server sets odds according to the game situation for each of these randomly occurring events, and is configured so that it is possible to bet on that event.

To give a specific example, during the "running bet period", which is the period from the start of the game to the end of the game, multiple events that are different bet targets from the first bet target event occur at any time, and the result is may be determined. For example, the number of shots during the period from the elapse of a predetermined time after the start of the game to the end of the first half is the event for the second bet. During the execution of the event for the second bet, the odds for the second bet are displayed and made available for betting separately from the bet for the first bet. Then, the number of shots at the end of the first half is taken as the event execution result, and the presence or absence of winning is determined. A winning amount for the second bet is paid to the user who wins the bet, according to the bet amount and the odds.

Further, if a penalty kick occurs during or after the second bet period or during the second bet period, the success or failure of the penalty kick may be the event for the third bet. In other words, a new third bet object occurs during the period when betting on the second bet object is permitted, and betting on the third bet object is permitted.

During the execution of the event of the third bet object, the odds of the third bet object are displayed, and betting is made possible separately from the betting of the first bet object and the second bet object. Then, the success or failure of the penalty kick is taken as the result of the execution of the event, and the presence or absence of winning is determined. A winning amount for the third bet is paid to the user who wins the bet, according to the bet amount and the odds.

The winning amount may be paid at the end of each event, at the time when the execution result of the event that is the execution result of the first bet target is finally known, or at the user's request. It may be paid at the timing to bet, but it is configured so that it can be paid to the user immediately at the stage when the result of each bet target is determined, and can be used as funds for betting on other events. is preferred.

(Payment system: specific example)
FIG. 3 is a diagram showing an example of the settlement system 1. As shown in FIG. The settlement system 1 has a plurality of fund management devices 10, which are connected to other fund management devices 10, user terminal devices 50, store terminal devices 40, Communication with the financial institution system 70, the automatic teller machine (ATM) of the financial institution system 70, the exchange server 60, etc. is enabled.

460 having a management server 680, a plurality of fund management devices 10 . . . 10, a broadcast management center 450, and a base station 350. and a mobile phone center 310 connected to each other via the Internet network 400, each of which communicates with the user terminal device 50 and the fund management device 10 via the Internet network 400. made possible.

The reason why there are a plurality of sportsbook management centers 460 is as follows. For example, there are multiple sportsbook operating companies that bet on a single soccer game, and each sportsbook operating company has different odds even if the event to be bet on is the same. We assume an environment in which the events to be bet on differ for each company, and according to this environment, users who participate in sportsbooks register with multiple types of sportsbook operation management centers 460 and make a single bet. For the target game, it is possible to participate in the game through a plurality of types of sportsbook operation management centers 460, increasing the user's options.

Next, when each configuration of the payment system 1 is described in detail, the sportsbook management center 460 is equipped with various servers. For example, the communication server 600 has a function of storing communication history and the like between the user terminal device 50 and the sportsbook management center 460 . The mobile phone member management server 610 has a function of storing mobile phone member registration data (user identification information associated with a mobile phone number, etc. for each user) and the like. The odds management server 620 has a function of storing the odds and the like relating to multiple types of bet target games that occur at various timings as described above. The odds are determined by at least two parameters, the status of the bet target and the elapsed time, from the time when acceptance of the bet on the bet target is started to the time when the user instructs to bet on the bet target for which acceptance is started. Odds management server 620 is configured to determine odds accordingly. Therefore, the odds may be different when the user bets at different times.

As a result, when the user bets on a plurality of types of bet targets, the terminal device 50 of the user stores the odds determined by the odds management server 620 at the time of the bet and the bet amount bet at that time. is used when making decisions. Of course, the odds management server 620 can be configured to store the identification information of the user who placed the bet, the identification code of the bet target, the odds determined at the time of betting, and the amount of money. , as described above, the odds are values that change according to changes in the time axis and bet target events, so betting targets in which a large number of users participate, such as soccer, baseball, or the Olympics In the case of betting on a game such as , it is preferable to store the information in the user terminal 50 used by the user.

The content management server 630 also has a function of storing web pages of bookmaker sites and the like. Incidentally, the server provided in the sportsbook management center 460 is not limited to the example shown in FIG. That is, the communication server 600 may function as a server that stores web pages of bookmaker sites and the like. Also, one server may be configured to perform the functions of each server shown in FIG.

The broadcast management center 450 has a sportsbook linked server 500 and a video transmission server 501 . The sportsbook linked server 500 has a function of receiving and storing odds data and the like from the odds management server 620 in order to display the odds that change every moment in the sportsbook in real time. The store terminal device 40 is a booth in a casino where a user can bet (vote) on a sports book, a store (retail stores such as convenience stores, sports lottery sales offices, restaurants, facilities and equipment that provide products or services). is installed in

The store terminal device 40 is an information processing device capable of data communication with the cash management device 10 via a communication network, and is, for example, a PC having a communication function, a kiosk terminal, a register (cash register), a dedicated terminal, or the like. . Note that the store terminal device 40 is a short-range communication device for exchanging data with the user terminal device 50 without going through the Internet network 400 (for example, a reader/reader for reading an IC chip having a non-contact IC card function). writer).

Automated Teller Machines (ATMs) are equipped with a slot for accepting banknotes (and coins), passbooks, magnetic cards, etc., and a payment slot. It is a machine that can be traded by The automatic teller machine (ATM) is a short-range communication device for exchanging data without going through the user terminal device 50 and the Internet network 400 (for example, for reading an IC chip having a contactless IC card function). reader/writer).

The exchange server 60 has a function of transmitting an exchange rate for exchange (including electronic money, virtual currency, etc. that can be exchanged for a monetary value) to the fund management device 10 . The exchange rate provided by the exchange server 60 may fluctuate in real time, or may not fluctuate for a certain period of time, such as the middle price.

(Payment system: cash management device)
The fund management device 10 has various relay functions for adapting the transfer of funds between the user and the sportsbook operator to each environment and improving convenience. , banks, etc.

For example, the funds management device 10 records the amount deposited by each user, adds when additional deposits are received, subtracts when spent from funds, converts one currency (e.g. US dollar) to another currency (e.g. It has a currency exchange function that converts to euro). In addition, the fund management device 10 has a function of remittance and transfer between fund accounts in its own fund management device 10, fund accounts in other fund management devices 10, and bank accounts in the financial institution system 70 according to user instructions. . Further, the fund management device 10 has a function of transferring betting funds to an account of the fund management device 10 of the sportsbook management center 460 or an account of the financial system 70 according to user instructions. Then, when a certain user deposits funds for placing a bet in the account of the sportsbook management center 460, the management server 680 stores the user's identification information and the amount of money deposited, and the user places a bet. Each time, the amount of money received is subtracted, and when a dividend is awarded, the amount of dividend is added.

The fund management device 10 is a device implemented by an information processing device such as a computer, workstation, or server, for example. This information processing device comprises an arithmetic processing unit (CPU), a main memory (RAM), a read-only memory (ROM), an input/output device (I/O), and, if necessary, an external storage device such as a hard disk device. It is a device that

A specific example of the cash management device 10 is shown using the functional block diagram of FIG. 4A. 230, a currency exchange processing unit 240, a user registration unit 290, an authentication unit 250 connected to the funds management unit 230, a user database (hereinafter abbreviated as DB) 260 connected to the authentication unit 250, and a funds management unit 230 and a fund management storage unit 270 connected thereto. The fund management storage unit 270 stores account information (amount data) of user accounts linked to each user and account information (amount data) of sportsbook accounts linked to the management server 680 .

The above components of the cash management apparatus 10 will be described below. The communication control unit 210 has a function of transmitting and receiving data to and from the sportsbook management center 460 , the user terminal device 50 , the store terminal device 40 , the exchange server 60 and the financial institution system 70 via the Internet network 400 . Specifically, the communication control unit 210 executes a predetermined protocol, performs mutual conversion between data and electrical signals, and the like. The cash processing unit 220 has a function of generating and transmitting an account transfer request message to the financial institution system 70 and causing the financial institution system 70 to perform cash receipt and disbursement processing when cash is used as funds and when funds are used as cash.

The fund management unit 230 has a function of increasing or decreasing funds in the sportsbook management center 460 or the user's account in response to request messages from the sportsbook management center 460, the user terminal device 50, the store terminal device 40, or the like. have. When a user deposits funds for voting in a sportsbook from the store terminal 40 to the sportsbook operation management center 460, the money is registered in the sportsbook operation management center so that the remittance can be known from which user. The user's identification information is included in the request message and transmitted. The fund management unit 230 has a function of, upon receiving the request message, interpreting the request message and rewriting the contents stored in the fund management storage unit 270 based on the interpretation result. The fund management unit 230 also has a function of having the authentication unit 250 authenticate whether the request message has proper authority.

The exchange exchange processing unit 240 inquires of the exchange server 60 about the exchange rate when the type of currency is different when the funds are increased or decreased (including the movement of funds), and the exchange rate transmitted by the exchange server 60 is It has the ability to convert from one currency to another based on When the authentication unit 250 receives a request message for increasing/decreasing funds as described above, the authentication unit 250 determines whether or not this request message is valid based on the data recorded in the user DB 260, and sends the judgment result to the funds management unit. 230. As a specific example, the authentication unit 250 compares the authentication information sent as part of the request message or separately with the data recorded in the user DB 260, and if they match, the authentication unit 250 responds to the request message. Informs the fund management unit 230 that the amount of funds may be increased or decreased. Any information may be used as authentication information. It may be a combination of a user ID and password, a mobile phone number, unique information of a mobile phone, or any other information.

The user DB 260 has a function of storing user information, and information of the user and the fund management storage unit 270 (stores the funds of the user who participates in the sportsbook and the operator who manages the sportsbook). It has a function of correlating and storing. The user DB 260 also has a function of correlating and storing users and the above-described authentication information.

The user registration unit 290 has a function of performing user registration processing when a user starts using the cash management system 1 . The user registration process is a process of adding a new record to the user DB 260 and writing user information into that record.

(Payment system: management server)
FIG. 5 is a block diagram showing the internal configuration of the management server 680 provided in the sportsbook management center 460. As shown in FIG. In this embodiment, each server included in the sportsbook management center 460 has substantially the same hardware configuration as the management server 680 . Also, the management server 680 has substantially the same configuration as the above-described money management device 10, except that there is no account of the sportsbook operating company.

The management server 680 includes a CPU 681 , a ROM 682 , a RAM 683 and communication interfaces 684 and 685 . The communication interface 684 is connected to the communication interface of each server provided in the sportsbook management center 460 via a communication line. The ROM 682 stores a system program for controlling the operation of the CPU 681, permanent data, and the like. The RAM 683 temporarily stores data received from the user terminal device 50 or the like. The RAM 683 is provided with a storage area for storing deposit source management table data.

FIG. 6 is an explanatory diagram showing an example of a deposit source management table. The deposit source management table has, as data items of the deposit source management table data, a processing number, a user ID, a fund management device ID, a bet fund deposit date and time, and an amount (yen), and the data items corresponding to the processing numbers are linked. is configured to store
The management server 680 can also be configured to gradually store the number of deposits of the fund management device 10 that is the deposit source each time a deposit is made. Using this number of deposits, it is also possible to perform control so as to permit deposits only from the fund management device 10 of the deposit source that has a deposit history of a predetermined number of times.

Here, the processing number is a reference number to which “1” is added every time betting funds are deposited from the money management device 10 to the management server 680 . The user ID data item stores data for identifying the user. For example, in FIG. 6, users having user IDs such as "Y1112", "Y133", and "Y32" are stored. The cash management device ID data item stores data for identifying the cash management device 10 . For example, in FIG. 6, cash management apparatuses 10 having cash management apparatuses 10 such as "C0001", "C0211", and "C0005" are stored.

The data item of deposit date and time stores the date and time data when the bet funds were deposited from the fund management device 10 to the management server 680 . The date and time data is, for example, a 12-digit integer value, where the 4 digits from the highest digit are the "year", the 2 digits are the "month", the 2 digits are the "day", and the 2 digits are the 2 digits of the "hour". is "seconds". As a specific example in FIG. 6, when the date and time data is "202012121243", it indicates that it is December 25, 2020 at 12:43. The amount (yen) data item indicates the amount of bet money received.

As a result, for example, in the processing number A0001, the user having the user ID of "Y1112" will make a payment to the money management device "C0001" at 12:43 on December 25, 2020 indicated by the deposit date and time of "202012251243". It is indicated that the betting fund of 20000 yen has been deposited from the fund management device 10 having the ID. In addition, in processing number A0561, the user having the user ID of "Y1112" has the cash management device ID of "C0005" at 15:12 on December 25, 2020 indicated by the deposit date and time of "202012251512". It is shown that the betting fund of 6000000 Yen has been deposited from the fund management device 10 .

The ROM 682 of the management server 680 stores a payment management program that controls the operation of the CPU 681 based on the deposit source management table data. As described above, the settlement management program performs the process (A1) of linking and storing the identification information of the user and the funds management device where the deposit was made, and the process (A1) when the user requests the withdrawal process from the user terminal device 50. In this case, the CPU 681 is caused to execute a process (A2) of accepting a withdrawal process in the funds management apparatus 10 on condition that the withdrawal source is included in the funds management apparatus 10 stored in the process (A1).

(Payment system: user terminal device)
As shown in FIG. 3, the user terminal device 50 is an information processing device capable of data communication with the cash management device 10 via the Internet network 400, and is, for example, a mobile phone or smart phone having a data communication function. Examples include personal computers (PCs) and portable game machines. The term "information processing device" as used herein includes a processing unit (CPU), main memory (RAM), read-only memory (ROM), input/output device (I/O), and, if necessary, a hard disk device, etc. It is a device equipped with an external storage device.

The user terminal device 50 is a short-distance communication means (for example, non-contact IC card function) for exchanging data with the store terminal device 40 and/or automatic teller machine (ATM) without going through the Internet network 400. may have an IC chip having a

FIG. 7 is an example of a functional block diagram of the user terminal device 50. As shown in FIG. The user terminal device 50 includes an operation unit 504, a display unit 506, a radio unit 510, an audio circuit 512, a speaker 514, a microphone 516, a transmission/reception antenna 518, a nonvolatile memory 520, a microcomputer 522, a secondary battery 524, and connection terminals. 930 is provided.

The radio unit 510 is controlled by the microcomputer 522 and transmits and receives radio waves to and from the base station 350 and the Internet network 400 through the transmitting/receiving antenna 518 . The audio circuit 512 outputs the reception signal output from the radio section 510 through the microcomputer 522 to the speaker 514, and outputs the audio signal output from the microphone 516 to the radio section 510 through the microcomputer 522 as a transmission signal. The speaker 514 converts the received signal output from the audio circuit 512 into a received sound and outputs it, and the microphone 516 converts the transmitted sound emitted from the operator into an audio signal and outputs it to the audio circuit 512 .

The nonvolatile memory 520 nonvolatilely stores, for example, image data for standby images and various programs (web browser program and BML browser program). A secondary battery 524 supplies power to each circuit. The microcomputer 522 is composed of a CPU, a ROM and a RAM, and performs, for example, processing for originating and receiving telephone calls, processing for creating and transmitting e-mails, Internet processing, and the like. Transmission and reception of e-mail and transmission and reception of data via the Internet are performed by the microcomputer 522 via the radio unit 510 and the transmission/reception antenna 518 . The user terminal device 50 also includes a broadcast receiving section 560 . Broadcast receiving unit 560 receives television broadcasting. The received television broadcast can be viewed by launching a browser program stored in memory 520 . The user terminal device 50 also has a function of displaying video information input via the Internet network 400 on the display unit 506 .

(Payment system: Operation example 1)
The operation of the settlement system 1 configured as described above will be described. In the following description of Operation Example 1, as shown in FIG. 4A, the user operates the operation unit 504 of the user terminal device 50 to operate the cash management device 10 in which the user has opened an account in advance. When a remittance instruction is input to the user account of the sportsbook operation management center 460, the betting funds are deposited into this user account (processing of depositing money into the user account of the sportsbook operation management center 460 corresponding to processing A1 in FIG. 1). A case will be described.

As shown in FIG. 1, in order to start using the cash management system 1, a user performs user registration by transmitting user information to each of the cash management devices 10a to 10e. "User information" refers to information about users that can be used to operate the system 1. User information includes information that identifies users, such as user names and addresses. Also, the user terminal device 50 may acquire information that does not depend on user input (for example, unique information of a mobile phone or smart phone) as user information.

When the user registration of the fund management devices 10a to 10e is completed, the user similarly operates the user terminal device 50 to perform user registration on the management server 680. FIG. Note that the order of user registration may be any one of the management server 680 and the fund management devices 10a to 10e. Further, user registration may be performed on any one or more of the fund management devices 10a to 10e.

Next, the user makes a deposit (deposit) to the fund management devices 10a to 10e. Note that depositing is a process of depositing a certain amount of money as a deposit into the fund management devices 10a to 10e. The deposit method is to select the fund management device 10a to 10e as the remittance destination, and send money information to the selected fund management device 10a to 10e to store the money in the user account as funds.

To give a specific example, when the user logs in to the sportsbook management center, the management server 680 instructs the display unit 506 of the user terminal device 50 which fund management device 10a to 10e the user is instructing to deposit money. A selection screen of the fund management devices 10a to 10e for depositing for selection is displayed.

Links to the login screens of the respective fund management devices 10a to 10e are set by the management server 680 to the names of the fund management devices 10a to 10e displayed on the selection screen. When the user operates and selects the fund management device 10a to 10e for which the user has opened an account in advance and wants to make a deposit into the user account of the sportsbook operation management center 460, the sportsbook operation management center 460 It is configured so that the work of prompting the user to deposit money into the account of the user can be done easily.

Then, as described above, when the user selects a fund management device 10a to 10e for which user registration has been made in advance and an account has been opened from among the displayed fund management device names 10a to 10e, The link displays a login screen for one of the selected fund management devices 10a-10e. Then, the user operates the operation unit 504 of the user terminal device 50 to log in to the selected funds management device 10a to 10e using a pre-registered e-mail address (user ID) and password. The password required at the time of login may employ biometric authentication such as fingerprint or face authentication, or may be configured to be used in combination.

Next, by operating the operation unit 504 of the user terminal device 50, the amount to be deposited into the user account of the sportsbook operation management center 460 is input, and after an instruction to execute remittance is input and a predetermined authentication process is performed, the sportsbook Deposits into the accounts of the fund management devices 10a-10e owned by the operation management center 460 are executed by the fund management devices 10a-10e. When the deposit screen of the fund management devices 10a to 10e is displayed through the link, the management server 680 sends the account information (such as the account number) of the sportsbook management center 460 to the fund management devices 10a to 10e. information necessary for remittance), it is possible to save the user from inputting the account information of the deposit destination.

In this manner, in the fund management storage unit 270 of FIG. 4A, the process of transferring funds from the user accounts in the fund management devices 10a to 10e to the account of the sportsbook management center is executed.

When the transfer of funds in the fund management storage unit 270 is completed, the fund management devices 10a to 10e transmit deposit completion information indicating that the transfer of funds has been completed to the management server 680 of the sportsbook management center 460. , When the management server 680 receives the deposit completion information, the management server 680 executes the deposit processing to the user account in the sportsbook management center 460 based on the user identification information and the deposit amount included in the information. do.

It should be noted that the user's payment to the funds management apparatuses 10a to 10e also includes execution by a credit card, which is one of the funds management apparatuses 10a to 10e. In this case, it is possible to receive funds within the credit range set by the card company in advance for the user.

In addition, deposit processing to the user account in the sportsbook operation management center 460 can be performed by a bank as a fund management device 10a to 10e, and ATM can be used to make deposits and withdrawals to and from the bank using a cash card. .

In addition, the deposit processing to the user account in the sportsbook operation management center 460 is not limited to the currency of the country where the company that operates the sportsbook operation management center 460 exists. It can also be configured to be selectable.

A case in which a sportsbook is held in a state where user registration and payment to the fund management devices 10a to 10e are completed will be described below with reference to FIGS. 1 and 4A.

First, deposit processing to the user account (sports book account) in the sports book management center 460 of FIG. 4A is performed. In other words, when the user operates the user terminal device 50, selects the desired fund management device 10a from the user-registered fund management devices 10a to 10e, and inputs the bet amount to be deposited in the sportsbook account, the user The terminal device 50 outputs bet fund withdrawal instruction information including the user ID and the bet fund amount to the selected fund management device 10a. The fund management device 10a identifies the user account linked to the user ID and the sportsbook account linked to the management server 680, and transfers the amount data for the bet fund amount from the user account to the sportsbook account. Make a deposit to your sportsbook account by Thereafter, the fund management device 10a transmits deposit completion information including its own fund management device ID, the user ID of the user who made the deposit, and the bet fund amount, which is the deposit amount, to the management server of the sportsbook management center 460. 680 (S201).

The management server 680 stores the cash management device ID data, the user ID data, the betting fund amount data, and the deposit date and time data of the cash management device 10a of the withdrawal source, which are included in the deposit completion information, in the deposit source management table of FIG. Store (S100). For example, if the current bet process is "A004", the user ID data "Y32", the money management device ID data "C001221", and the bet amount "50000" are the date and time of the bet. is stored together with "202012251449" indicating 14:49 on December 25, 2020 (S100).

The processing S100 in the management server 680 constitutes fund deposit processing (A1) in which the identification information of the user and the fund management apparatus 10a in which the deposit was performed are linked and stored. The fund deposit process (A1) is executed at an arbitrary timing during the betting period, and as described above, the deposit shown in FIG. Data are sequentially stored in the original management table.

After that, when the user operates the user terminal device 50 to access the web page of the sportsbook management center 460 and makes it ready to receive odds information, the management server 680 displays the derived odds for various events. Odds information is transmitted to the user terminal device 50 via the Internet network 400 (S101). Upon receiving the odds information, the user terminal device 50 displays the odds for each possible game outcome (for example, A win, draw, or B win) for the game to be bet on (for example, A vs. B game). Then, it is stored (S102).

Next, the user's betting operation causes the user terminal device 50 to transmit betting information to the sportsbook management center 460 (S103). The bet information includes bet result prediction data selected by the user, user ID data of the user terminal device 50, event data, and bet amount data. When the sportsbook management center 460 receives the bet information, the management server 680 stores the bet information together with the bet deposit date and time in a bet management table (not shown) (S104).

Next, when the execution result of the event is determined, the management server 680 determines whether or not there is a winning based on each user's bet result prediction data stored in a bet management table (not shown) (S105). When winning, the management server 680 calculates the winning amount based on the odds and bet amount that each user bet on the event, and adds the winning amount to the management account corresponding to the user ID. In addition, when the bet target, odds, and bet amount stored in the user terminal device 50 are transmitted together with the user's identification information (user ID), the management server 680 determines whether or not the prize is won. Winning result information is transmitted to the terminal device 50 (S106). The user terminal device 50 displays the winning amount and the like included in the winning result information (S107).

Next, the case where the user withdraws the funds deposited in the sportsbook (withdrawal processing in FIG. 4A), that is, the case where the funds are withdrawn from the fund management devices 10a to 10e via the management server 680 will be described.

For example, the user operates the user terminal device 50, selects an arbitrary money management device 10a from among the plurality of money management devices 10a to 10e, designates the withdrawal amount to this money management device 10a, and makes a withdrawal. When instructed to do so, the user terminal device 50, after having the user confirm the withdrawal amount and the withdrawal source fund management device 10a to 10e, issues a withdrawal instruction including the user ID, the funds management device ID, and the withdrawal amount. A withdrawal instruction process for outputting information to the management server 680 is executed (S108). In the withdrawal instruction process, only the button display portion of the funds management device 10a that is the withdrawal source appears, and when this button display portion is touched, the withdrawal amount is confirmed and the withdrawal is instructed (approved). and are performed at the same time.

Note that one or more withdrawal sources may be selected from the fund management devices 10a to 10e. For example, as shown in FIG. 8, when two fund management devices 10a and 10b are selected, the withdrawal amount is displayed, and the names of the selected fund management devices 10a and 10b are “fund management device A” and “funds management device A”. When the button display portions 404a and 404b of the displayed fund management devices 10a and 10b are touch-operated, confirmation of the withdrawal amount, instruction (approval) of withdrawal, and fund management are performed. The designation of the devices 10a and 10b may be performed at the same time. In this case, it is possible to confirm the withdrawal amount and the withdrawal source fund management device 10a or 10b with a single operation (one-touch operation).

The management server 680 receives the withdrawal instruction information, and the selected funds management device 10a instructs the management server 680 to withdraw bet funds ( It is determined whether or not it is the deposit source that performed S201) (S109). Specifically, as shown in FIG. 4A, it is determined whether or not the fund management device 10a deposits the betting funds into the user account of the sportsbook management center 460. FIG. That is, the management server 680 determines whether or not the cash management apparatus ID of the selected cash management apparatus 10a is stored in association with the user ID in the deposit source management table of FIG. When the management server 680 determines that the funds management device 10a is the deposit source (S109: YES), the management server 680 outputs withdrawal instruction information including the withdrawal amount to the funds management device 10a. Then, the funds management device 10a extracts the withdrawal amount and the withdrawal destination from the withdrawal instruction information, and withdraws the withdrawal amount to the withdrawal destination (S203). For example, the funds management device 10a makes it possible to transfer money to a bank account registered in advance as a withdrawal destination and withdraw cash from the ATM 701 of the bank.

On the other hand, if the management server 680 does not determine that the funds management apparatus 10a is the deposit source (S109: NO), it outputs the withdrawal instruction information without outputting the withdrawal instruction information to the funds management apparatus 10a. Withdrawal disapproval processing is executed to inform the user that withdrawal is not possible to the user terminal device 50 (S110). Note that the withdrawal disapproval processing is to selectably display the funds management devices 10b to 10e that can be withdrawn from among the remaining funds management devices 10b to 10e instead of the funds management device 10a that could not be withdrawn. may be Furthermore, the amount of money that can be withdrawn may be displayed together with the funds management devices 10b to 10e that can be withdrawn. The withdrawal process in this case may be performed by the one-touch withdrawal in FIG.

In the above series of processes S108 to S110 in the management server 680, when the user requests the withdrawal process from the user terminal device 50, the withdrawal source Withdrawal processing (A2) for accepting withdrawal processing to the fund management devices 10a to 10e is configured on the condition that it is included.

(Payment system: Operation example 2)
Next, a case will be described where bet funds are deposited into the user account of the sportsbook management center 460 from a credit card as the fund management device 10a-10e or from the fund management device 10a-10e as another payment gateway. .

FIG. 4B shows a case where a bet fund is deposited into a user account at the sportsbook management center 460 using a credit card as the fund management device 10a-10e.

Specifically, the user logs into the selected funds management device 10a-10e using the registered e-mail address and password. After that, the user selects a credit card, designates a sportsbook account as a transfer destination account, and inputs a deposit amount and credit card information. and store the deposit amount in the sportsbook account after obtaining approval from the card company based on the credit card information.

The selected fund management device 10a to 10e transmits deposit completion information including its own fund management device ID, the user ID of the user who made the deposit, and the bet fund amount, which is the deposit amount, to the sportsbook operation management center 460. It is transmitted to the management server 680 (S201). Then, the management server 680 converts the money management device ID data, the user ID data, the betting fund amount data, and the deposit date and time data of the money management device 10a of the withdrawal source included in the deposit completion information into the deposit source management of FIG. Store in a table (S100).

The sportsbook operation management center 460 has a plurality of fund management devices 10a through 10e in advance so that deposits and withdrawals can be made to and from user accounts (sportsbook accounts) of the sportsbook operation management center 460. I have opened an account of ~10e. However, as described above, from the viewpoint of fraud prevention, control is executed to restrict withdrawals from accounts with no deposit history as deposit sources.

The next explanation is that the user issues a withdrawal instruction from his/her own sportsbook account to the fund management device 10a-10e, which is a separate payment gateway, which is different from the fund management device 10a-10e to which the user made a deposit immediately before. A case will be described.

Specifically, the user operates the user terminal device 50, selects the desired fund management device 10a from among the fund management devices 10a to 10e with which the user has opened an account, and after completing the payment to the sportsbook account, This corresponds to the case of withdrawing winning money or the like from any other fund management device 10b of the fund management devices that have a deposit history in the past. Whether or not such withdrawal is permitted is controlled by the management server 680 referring to the deposit source management table shown in FIG. In other words, the management server 680 determines whether or not another fund management device 10b, which is the withdrawal destination designated by the user, has a past deposit history, and if there is a deposit history, accepts the withdrawal. to control.

On the other hand, if the management server 680 determines that information is not stored in the deposit source management table of FIG. , Impossible, and the reason is that the account has no past deposit history is indicated on the display unit 506 of the user terminal device 50, and funds to be withdrawn from the funds management devices 10a to 10e with past deposit history A screen prompting the user to select one of the management apparatuses 10a to 10e is displayed. Of course, when the management server 680 operates the user terminal device 50 and shifts to the withdrawal screen, the management server 680 refers to the deposit source management table, and the funds management apparatus 10a displayed on the withdrawal screen. By allowing 10e to select and display funds management devices with past deposit histories, as described above, processing to indicate to the user that withdrawal is not possible is omitted, improving user convenience. You can also let

The present invention has the following merits by constructing a fund management device 10 such as a payment gateway so that deposits and withdrawals can be made to and from an event voting system such as a sportsbook.

For sportsbook operators, there are too many financial regulations in different countries, regions, and industries, and it is extremely difficult to build a system that takes into consideration not only industry regulations but also financial regulations. However, by using an existing fund management device such as a payment gateway to mediate the transfer of funds between the server of the sportsbook management center 460 and the user terminal device 50, users can There is an advantage in that funds can be transferred. However, the present invention has been devised by paying attention to the fact that fraudulent means increase when such various deposits and withdrawals are permitted.

Although the embodiments of the present invention have been described above, the specific examples are merely illustrated, and the present invention is not particularly limited. Moreover, the effects described in the embodiments of the present invention are merely enumerations of the most suitable effects resulting from the present invention, and the effects of the present invention are limited to those described in the embodiments of the present invention. is not.

1 Settlement system 10a to 10e Funds management device 50 User terminal device 460 Sportsbook management center 680 Management server

Claims (3)

A payment system for a sports book in which betting can be continued via a user terminal device from before the start of an event to during the event, and odds can be changed according to the timing of betting on the event,
a management server capable of accepting deposits from users for betting on the event via a plurality of fund management devices;
The management server is
(A1) a process of linking and storing the identification information of the user and the fund management device to which the deposit was made;
(A2) When the user requests withdrawal processing from the user terminal device, on the condition that the withdrawal source is included in the cash management device stored in processing (A1), A payment system for a sportsbook characterized by executing a process of accepting a withdrawal process. In the processing (A2), if the cash management device selected as the withdrawal source is not stored in the processing (A1), the management server can withdraw the cash management device stored in the processing (A1). 2. The settlement system for a sportsbook according to claim 1, wherein the user terminal device is displayed as a cash management device of a withdrawal source. 3. The sportsbook settlement system according to claim 2, wherein the management server displays the amount of money that can be withdrawn from each fund management device together with the display of the funds management device that can be withdrawn.

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