JP3974735B2 - Member registration system and voting system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention is a telephone voting member who can purchase and vote in cashless voting tickets (winning horse voting tickets, car tickets, boat tickets, etc.) of public sports such as horse racing, bicycle racing, boat racing, auto racing, etc. To become a member such as a home voting member (PC voting member) Meeting In addition to the member registration system, the voting ticket is purchased cashlessly in the public competition. Throwing Regarding the vote system.
[0002]
[Prior art]
Generally, in order to purchase a ballot ticket for a public competition without cash (ie without carrying cash), it is necessary to become a telephone voting member, a home voting member (PC voting member), or the like.
In order to become a telephone voting member or a home voting member, applicants apply to the management center of various public sports such as horse racing, bicycle racing, boat racing, auto racing, etc. Send the vote to the management center and open a dedicated account.
[0003]
Upon completion of such procedures, a membership number or PIN is issued to the applicant, and thereafter, the applicant becomes an official subscriber and carries cash using the membership number and PIN. It becomes possible to purchase a voting ticket without any problems.
[0004]
[Problems to be solved by the invention]
However, as mentioned above, in the conventional membership registration procedure, a voting ticket must be issued after a membership number or PIN has been issued through complicated procedures such as application for membership, acquisition of a resident's card, and establishment of a dedicated account. Can't buy. Further, not only is the procedure complicated, but the period from the start of the procedure until the voting ticket can actually be purchased requires three months.
[0005]
For this reason, tens of percent of applicants who have been selected for application do not go through formalities and do not become official members. This is a big loss for the enforcer (organizer of public competition). It is clear that
The present invention was devised in view of such problems, and a simple procedure for registering a member to become a member such as a telephone voting member or a home voting member who can purchase (vote) voting tickets without cash. It can contribute to improving sales of voting tickets for public competitions, etc. , Meeting Employee registration system Mu And provide a voting system.
[0009]
[Means for Solving the Problems]
In order to achieve the above object, a member registration system according to the present invention (claim 1) is connected to a member reception terminal for accepting registration of a member who wants to register as a member, and to the member reception terminal so that data can be transmitted and received between them And a management center for performing member registration processing, wherein the member reception terminal receives a card owned by the member registration applicant and reads account information of the card from the card, and the card read by the means Means for notifying the management center of the account information of the member and the amount desired by the member registration applicant, and instructing the management center to make a settlement using the card for the desired amount. , The management center When receiving the payment instruction from the member reception terminal, When a transfer request for the desired amount is made via a communication network to a bank having the card account based on the card account information, and a normal transfer response from the bank is received via the communication network A member registration processing unit that issues a member number, a personal identification number and a virtual account number of the member registration applicant, and returns the member number and personal identification number to the member reception terminal; and the member registration processing The membership number issued by the department, the personal identification number and the account number of the virtual account, and a predetermined storage area that stores the desired amount in association with each other, and the member reception terminal The system further comprises means for notifying the member registration applicant of the member number and the password returned from the member registration processing unit of the management center.
[0011]
In addition, the voting system (claim 2) includes a member reception terminal that receives registration of a member registration applicant, and a management center that is connected to the member reception terminal so as to be able to transmit and receive data to and from each other. A member terminal connected to the management center via a first communication network, the member receiving terminal receiving a card owned by the member registration applicant and reading account information of the card from the card And the account information of the card read by the means and the amount desired by the member registration applicant are notified to the management center, and the card for the desired amount is used for the management center. And a means for instructing settlement, and when the management center receives the settlement instruction from the member reception terminal, the bank having the card account based on the card account information, When a transfer request for the desired amount is made via the communication network 2 and a normal transfer response from the bank is received via the second communication network, the member number, password, and virtual Typical Voting ticket purchase A member registration processing unit that issues an account number of an account and returns the member number and the personal identification number to the member reception terminal, the member number issued by the member registration processing unit, the personal identification number, and the virtual number Typical Voting ticket purchase An account number of the account and a predetermined storage area that stores the desired amount in association with each other, and the member reception terminal returns the member number and the password returned from the member registration processing unit of the management center Further, means for notifying the member registration applicant of the number is provided, and the management center is based on the member number and the password entered by the member from the member terminal via the first communication network. A voting request input by the member from the member terminal via the first communication network within the range of the balance in the virtual voting ticket purchase account for the member registered in the predetermined storage area And a voting acceptance processing unit for performing voting acceptance processing of the member.
[0012]
At this time, the management center Member registration processing department Of the card of the member By registering account information in the predetermined storage area in association with the member number, the account of the card is registered. Manage as a member account, The voting acceptance processing unit of the management center As a result of voting by the member, if a refund occurs, Based on the account information of the card registered in the predetermined storage area You may transfer money to the member account (claim) 3 ), The management center Member registration processing department Of the card of the member By registering account information in the predetermined storage area in association with the membership number, the account of the card is registered. Manage as a member account, The voting acceptance processing unit of the management center The Virtual After creating a voting ticket purchase account or Virtual After a predetermined period of time after depositing into the voting ticket purchase account, Virtual The remaining balance in the voting ticket purchase account Based on the account information of the card registered in the predetermined storage area You may transfer money to the member account (claim) 4 ).
[0013]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a block diagram showing a configuration of a voting system (member registration system) as an embodiment of the present invention. The voting system 1 of this embodiment shown in FIG. 1 purchases voting tickets (winning horse voting tickets, car tickets, boat tickets, etc.) for public competitions such as horse racing, bicycle racing, boat racing, auto racing, etc., for cashless voting. This voting system 1 also includes a function as a member registration system for becoming a telephone voting member or a home voting member (personal computer voting member) who can purchase a voting ticket cashlessly.
[0014]
As shown in FIG. 1, the voting system 1 according to the present embodiment includes a member reception office 10, a voting reception center 20, a member terminal 30, and a totalizer system 40, and further includes a card issuing bank 50, a CAFIS 60, and a settlement bank. 70, the clearing center 80 and the organizer-designated bank 90 are connected to each other and can be settled by the debit card 100.
[0015]
In general, the debit card 100 is a card that uses a magnetic cash card issued by various financial institutions as it is, and allows a purchase price to be immediately settled from a deposit account of the cash card.
In the debit card service, when a user pays out after shopping or receiving a service at a member store that is a member of the debit card service, the debit card is installed in the card terminal installed at the member store. When 100 is inserted and the PIN is entered and the validity of the PIN is confirmed, the usage fee at the member store is immediately withdrawn from the user's deposit account and settled. It is supposed to be credited to the account.
[0016]
In ordinary debit card payment, payment is completed by deducting the product price from the bank account of the product purchaser (user) in exchange for the product (service). Also in this embodiment, as will be described later, the product (service) corresponds to “voting ticket purchase funds”, and the same mechanism as the ordinary debit card payment in which the product price is withdrawn from the bank account is the card issuing bank 50, CAFIS 60, payment. The bank 70, the clearing center 80, and the organizer designated bank 90 are configured. However, in the present embodiment, as described later, the difference is that the voting ticket purchase funds are stocked in the voting ticket purchase fund account 24 of the voting reception center 20, and thereafter, the voting ticket may be purchased based on the funds. It becomes possible.
[0017]
Here, the member reception office 10 is a window where an operator (member reception person in charge) corresponding to the member registration applicant resides resident. The operator operates the member reception office 10 to accept registration of a member registration applicant. A card reception machine (member reception terminal) 11 for processing is provided.
The card accepting machine 11 is, for example, a POS (Point Of Sales) terminal, and a debit card (cash card) 100 of a member registration applicant is inserted and an account number or the like is obtained from the magnetic stripe of the debit card 100. In addition to having a function of reading information, a PIN pad 12 for inputting a personal identification number is connected. In addition, as will be described later, the operator checks the age of the member registration applicant with an identification card such as a car license or a passport, and also checks whether the member registration applicant is a student.
[0018]
The card accepting machine 11 operates in accordance with the flowchart shown in FIG. 2 (described later), and the payment of the amount desired by the member registration applicant (debit card user, depositor) is made by the debit owned by the member registration applicant. Received by the card 100, the voting reception center 20 is notified of the desired amount together with the password entered from the pin pad 12, and the debit card settlement is instructed for the amount.
[0019]
In addition, when the card acceptance machine 11 is notified of the membership number and the personal identification number from the voting acceptance center 20, the card acceptance machine 11 has a function of printing the membership number and personal identification number on a receipt and notifying the member registration applicant. When receiving an NG (No Good) notification from the voting reception center 20, it has a function to display / notify that effect. When an NG response is received in response to a settlement request by the debit card 100, the fact is notified to the member registration applicant by an operator who refers to the display on the card reception device 11 or the like.
[0020]
The voting reception center (management center) 20 includes a member registration processing unit 21, a voting reception processing unit 22, and a voting file 23.
The member registration processing unit 21 performs member registration processing in accordance with a debit card payment instruction (including information such as an account number and a personal identification number) from the card accepting machine 11 and a payment amount notification in accordance with a flowchart shown in FIG. The card issuing bank 50 having the account (user account) 51 of the debit card 100 is requested via the CAFIS 60 to confirm the deposit balance before the account 51 and confirm the personal identification number. When a transfer request for the amount is made and a normal transfer response is received from the card issuing bank 50 via the CAFIS 60, a voting ticket purchase fund account 24 holding the desired amount is created, and a member registration applicant is registered as a member Then, a membership number and a password for the member are issued and returned to the card accepting machine 11.
[0021]
Note that the voting ticket purchase fund account 24 is virtually created in the voting reception center 20, and is substantially created as a voting ticket purchase fund account 71 (or in the host bank 90) in the settlement bank 70. Has been.
In addition, when registering as a member, the member registration processing unit 21 holds the issued member number and personal identification number in the account number of the registered member's voting ticket purchase fund account 24 (71) and the account 24 (71). It is registered in the voting file 23 together with the amount (balance) of the funds to be made and the account number of the registered member's member account 51.
[0022]
Further, the member registration processing unit 21 makes an NG notification to the card accepting machine 11 when there is a shortage of balance or a mismatch of the passwords or when a normal transfer response is not returned from the card issuing bank 50. It has become.
The voting acceptance processing unit 22 performs voting acceptance processing in response to a voting request from the member terminal 30 according to the flowchart (described later) shown in FIG. 4, and batches transfer processing after voting acceptance according to the flowchart (described later) shown in FIG. This is done by processing.
[0023]
That is, the voting acceptance processing unit 22 votes within the range of the balance in the voting ticket purchase fund account 24 (71) for the member based on the member number and the personal identification number input from the member terminal 30 by the registered member. It accepts requests and performs member vote acceptance processing.
In addition, the voting acceptance processing unit 22 is configured so that when a refund is generated as a result of the voting performed by the member after the voting is accepted, the refund is transferred to the member account 51 based on the information registered in the voting file 23. The transfer request to the settlement bank 70 is performed in a batch process. Further, after a predetermined period elapses after the voting ticket purchase fund account 24 (71) is created or deposited into the voting ticket purchase fund account 24 (71), voting is performed. The transfer request to the settlement bank 70 is made by batch processing so that the balance in the ticket purchase fund account 24 (71) is transferred to the member account 51.
[0024]
As described above, the voting file 23 includes various information about the registered member [member number, personal identification number, account number of the voting ticket purchase fund account 24 (71), and the amount of funds (balance) in the account 24 (71). , The account number of the member account 51, etc.] is registered and stored, and the refund amount obtained as information from the totalizer system 40 described later and the number of sales votes sent to the totalizer system 40 are also registered and stored.
[0025]
The member terminal (telephone, personal computer) 30 is operated by a registered member (telephone voting member, at-home voting member, personal computer voting member) and makes a voting request to the voting reception center 20 (the voting reception processing unit 21). The voting center 20 is communicably connected via various communication networks such as public telephone lines and ISDN lines.
[0026]
The Totalizeta System 40 is the core for running public competitions (horse racing, bicycle racing, auto racing, boat racing, etc.) and manages the release, reimbursement, and counting of voting tickets (winning horse voting tickets, car tickets, boat tickets, etc.) -For support, as described above, various types of information (number of sales votes, amount of refund, etc.) are exchanged with the voting reception center 20.
As described above, the card issuing bank 50 is a bank having a user account (member account) 51 of the debit card 100, and the voting reception center 20 makes a transfer request according to the debit card settlement to the card issuing bank 50. In this case, various information relating to debit card settlement is exchanged between the card issuing bank 50 and the voting reception center 20 via the CAFIS 60.
[0027]
The CAFIS (Credit And Finance Information System) 60 is generally used mainly for credit inquiry from a member store terminal associated with the use of a credit card and sales management business. Also in debit card settlement, as described above, it is used for data exchange between a member store (voting reception center 20) and a financial institution (card issuing bank 50).
[0028]
The settlement bank 70 undertakes the debit card settlement at once. As described above, the settlement bank 70 has the actual voting ticket purchase fund account 24 (voting ticket purchase fund) virtually created in the voting reception center 20. Account 71) exists.
The clearing center 80 has data for member stores (voting reception center 20) and financial institutions (banks 50 and 70) in order to smoothly process the flow of funds associated with a large number of transactions after the start of the debit card service. (Payment information) is centrally managed.
[0029]
The organizer-designated bank 90 is a bank designated by the organizer of the public competition and has an organizer account 91. The refund for the member is withdrawn from the organizer account 91 of the bank 90, while the voting ticket purchase fund account 71 When the voting ticket is purchased using the funds of (24), the purchase amount is deposited from the voting ticket purchase fund account 71 (24) of the bank 70 to the organizer account 91 of the bank 90 as a sale amount. Yes.
[0030]
It is to be noted that a telegram (contents of magnetic stripe, password, settlement data, etc.) transmitted between the card accepting machine 11, the vote accepting center 20, the banks 50, 70, 90, the CAFIS 60, and the clearing center 80. Various types of information) are encrypted, so that high security can be ensured.
[0031]
In the voting system (member registration system) 1 of the present embodiment configured as described above, when the member registration is completed, the amount withdrawn by debit card payment is the intermediate server (that is, the voting) installed in the middle of the payment route. The betting ticket purchase fund account 24 (71) is stocked in the reception center 20), and it becomes possible to purchase the betting ticket according to the fund balance. In addition, after the completion of the voting ticket purchase acceptance, if the voting ticket purchased by the member is correct and there is a refund to the purchaser (member), the refund is transferred to the member account 51 by batch processing. It is. Further, after the completion of the acceptance of the voting ticket purchase, after the opening of the voting ticket purchase fund account 24 (71) or after the deposit to the voting ticket purchase fund account 24 (71), the voting ticket purchase fund account 24 The entire remaining amount in (71) is transferred to the member account 51 by batch processing.
[0032]
Here, in the voting system (member registration system) 1 of the present embodiment, a procedure until a voting ticket can be purchased and a debit card settlement procedure will be briefly described with reference to FIG.
The user (debit card user, member registration applicant) pays an arbitrary amount with the debit card 100 at the member reception desk 10 installed in advance in order to withdraw the funds for purchasing the voting ticket. Debit card settlement is performed at a card accepting machine (POS terminal) 11. In this card accepting machine 11, the sales of the amount and a debit card settlement instruction (until reading the magnetic stripe of the debit card 100) are performed. After reading the card, the user confirms the payment amount and inputs the personal identification number of the bank account 51 at the dedicated terminal (personal PINPAD 12). The personal identification number from the terminal 12 is notified to the host (voting reception center 20) via the POS (card reception device 11) together with purchase funds information in an encrypted state according to the standard established by the Japan Debit Card Promotion Council. [See (1)].
[0033]
In the member registration processing unit 21 of the voting reception center 20, according to the CAFIS (Credit And Finance Information System) procedure, the deposit balance confirmation for the user's account 51 is confirmed to the card issuing bank 50 together with the password confirmation [(2). reference〕.
The member registration processing unit 21 returns NG to the card accepting machine 11 when the balance is insufficient or the code number does not match. On the other hand, when the balance is sufficient and the identity is confirmed (password match), the CAFIS According to the procedure, a transfer request from the user's account 51 is made to the card issuing bank 50 [see (3)].
[0034]
Along with this, the card issuing bank 50 transfers funds from the account 51, withdraws the requested amount from the account 51 [see (4)], and returns the transferred message (normal transfer response) to the voting reception center 20. From [see (5)], the transfer result (transfer data) is transmitted to the clearing center 80 [see (11)]. Then, the clearing center 80 aggregates and offsets the received transfer data, deducts the fee of the card issuing bank 50, calculates the settlement amount of the card issuing bank 50 on the current day, and calculates the debit card usage amount between the banks. Settlement data (purchase funds) is transmitted to the settlement bank 70 (see (12)).
[0035]
The member registration processing unit 21 receives a fund transfer response from the card issuing bank 50 and creates a voting ticket purchase fund account 24 in the voting reception center 20 when the response is normal. At the same time, a membership number and a password for purchasing a voting ticket are issued using the created voting ticket purchase fund account 24 and notified to the card reception machine 11 [see (6)]. The card accepting machine 11 prints the received member number and personal identification number on a receipt and hands it to a debit card user (member registration applicant).
[0036]
At this time, if settlement of the voting ticket purchase funds is accepted by the debit card 100 and a normal transfer response is made from the card issuing bank 50 to the voting acceptance center 20, identity verification (the entered password number and the previously received password) It can be considered that a credit check was performed at the same time.
As a result, the debit card user is registered as a telephone voting member or at-home voting member, and subsequently uses the membership number and password issued at the member reception office 10 to cashlessly carry cash. Thus, it becomes possible to purchase a voting ticket (that is, vote) from the member terminal 30 such as a telephone or a personal computer.
[0037]
Next, the processing procedure in the voting system (member registration system) 1 of the present embodiment will be described in more detail with reference to the flowcharts shown in FIGS.
FIG. 2 is a flowchart for explaining a voting member registration procedure in the card reception machine 11 in the voting system 1 of this embodiment. As shown in FIG. The age of the member registration applicant is confirmed by an identification card such as a car license or a passport, and whether the member registration applicant is a student is confirmed (step S11).
[0038]
As a result of the confirmation, if the member registration applicant has not reached the predetermined age or is a student (NG route of step S11), the process is terminated without performing member registration.
On the other hand, if the user has reached the predetermined age and is not a student (OK route in step S11), the debit card (cash card) 100 of the member who wants to register as a member is inserted into the card accepting machine 11, and the magnetic stripe of the debit card 100 is used. By reading the information such as the account number and confirming the amount (purchasing funds) to be settled, the member registration applicant accepts the settlement by the debit card 100 by inputting the personal identification number of the bank account 51 from the personal identification PINPAD 12. (Step S12).
[0039]
The card acceptance machine 11 notifies the voting acceptance center 20 (member registration processing unit 21) of the purchase funds and instructs debit card settlement (step S13). At this time, information such as a password entered from the pin pad 12 and an account number read from the magnetic stripe of the debit card 100 is also notified to the voting acceptance center 20 (member registration processing unit 21).
[0040]
Thereafter, the card accepting machine 11 waits for an answer from the voting acceptance center 20 (member registration processing unit 21) (step S14). When the answer is received (YES route of step S14), the contents are judged (step S15). ).
If the response content is a member number and a personal identification number, the member number and personal identification number are printed on a receipt, and the operator hands the receipt to the member registration applicant and notifies it (step S16).
[0041]
On the other hand, if the answer from the voting reception center 20 is an NG notification, the fact is displayed / notified on the card reception device 11, so that the operator can directly register that he / she could not register as a member. Notification and explanation to the person (step S17).
FIG. 3 is a flowchart for explaining a member registration processing procedure in the voting reception center 20 (member registration processing unit 21) in the voting system 1 of this embodiment. As shown in FIG. 3, the member registration processing unit 21, upon receiving a debit card settlement instruction from the card accepting machine 11 (YES route in step S21), based on information such as an account number and a personal identification number included in the instruction, the CAFIS 60 is issued to the card issuing bank 50. Then, a request for checking the deposit balance before the user account 51 and confirming the personal identification number is made (step S22).
[0042]
As a result of the confirmation processing, when the balance in the user account 51 is less than the desired settlement amount (purchase funds), or when the password entered from the pin pad 12 does not match the previously registered password (step S23). , NO registration route), the member registration processing unit 21 makes an NG notification to the card accepting machine 11 (step S29).
On the other hand, when the balance is sufficient and identity verification (password match) is made (YES route in step S23), the member registration processing unit 21 debit card payments the desired amount of payment (purchased funds) via the CAFIS 60. Then, a request for transfer from the user account 51 (transfer request) is made to the card issuing bank 50 (step S24), and a transfer response from the card issuing bank 50 is awaited (step S25).
[0043]
If the transfer response received from the card issuing bank 50 via the CAFIS 60 is normal (YES route of step S25), the voting ticket purchase fund account 24 stocked with the purchase funds is created in the voting reception center 20 (step S25). S26) The member who wishes to register as a member is registered as a member, and a member number and a personal identification number are issued and notified to the card accepting machine 11 (step S27).
[0044]
Then, when the member registration is performed, the member registration processing unit 21 uses the issued member number and personal identification number as the account number of the registered member's voting ticket purchase fund account 24 and the amount of funds held in the account 24 ( The balance is registered in the voting file 23 together with the account number of the registered member account 51 of the registered member (step S28).
If a normal transfer response is not returned from the card issuing bank 50 (NO route in step S25), the member registration processing unit 21 sends an NG notification to the card accepting machine 11 (step S29).
[0045]
FIG. 4 is a flowchart for explaining a voting acceptance processing procedure in the voting acceptance center 20 (the voting acceptance processing unit 22) in the voting system 1 of the present embodiment. As shown in FIG. 4, the voting acceptance processing unit In 22, when a voting request is received from the member (member terminal 30) registered by the member registration processing unit 21 (YES route in step S 31), the member number and the password sent together with the voting request are confirmed ( Step S32).
[0046]
As a result of the confirmation, when the member identity cannot be confirmed due to a mismatch of the personal identification number or the like (NO route of step S33), the vote acceptance processing unit 22 sends an NG notification to the member terminal 30 (step S36). When it is confirmed that the member is the member himself (YES route of step S33), it is confirmed whether or not the purchase amount of the voting ticket in the current voting request is within the balance of the voting ticket purchase fund account 24 (step). S34).
[0047]
When the purchase amount exceeds the balance of the betting ticket purchase fund account 24 (NO route of step S34), the voting acceptance processing unit 22 makes an NG notification to the member terminal 30 (step S36), while the purchase amount is If it is within the balance of the voting ticket purchase fund account 24 (YES route of step S34), the voting acceptance processing unit 22 performs voting acceptance processing (access to the totalize system 40, registration to the voting file 23) The purchase amount is subtracted from the funds in the voting ticket purchase fund account 24 of the member who has requested the vote (step S35).
[0048]
FIG. 5 is a flowchart for explaining a transfer processing procedure in the voting reception center 20 (the voting reception processing unit 22) in the voting system 1 of the present embodiment. When the process is completed, the transfer process is performed by the batch process according to the procedure shown in FIG. 5, and all the betting ticket purchase funds accounts 24 (until NO is determined in step S41), steps S42 to S42 are performed. The process of S45 is executed.
[0049]
That is, information relating to each voting ticket purchase fund account 24 is read from the voting file 23 (step S42), and a predetermined period elapses after the voting ticket purchase fund account 24 is created or after the voting ticket purchase fund account 24 is deposited. It is determined whether or not (step S43).
If the predetermined period has not elapsed (NO route of step S43), a request for transfer of the refund amount and the purchase amount is made from the vote acceptance processing unit 22 to the settlement bank 70 (step S44).
[0050]
For example, if no refund amount has been generated, the purchase amount is transferred from the settlement bank 70 to the organizer account 91 of the organizer-designated bank 90 as a sale amount. If a refund amount has been generated, the purchase amount is returned as a sale amount from the settlement bank 70 to the organizer account 91 of the organizer-designated bank 90, and the refund amount is returned to the organizer account 91 of the organizer-designated bank 90. To the member account 51 of the card issuing bank 50 via the settlement bank 70.
[0051]
When the predetermined period has elapsed (YES route in step S43), [voting ticket purchase fund balance−purchase amount + refund amount] and a transfer request for the purchase amount are made to the settlement bank 70 from the voting acceptance processing unit 22. (Step S45). In other words, the balance including the balance of the voting ticket purchase fund account 24, the refund amount, and the purchase amount is settled, and the balance of the voting ticket purchase fund account 24 is returned to the user account 51.
[0052]
For example, if a refund amount has not occurred, the purchase amount is transferred as a sale amount from the settlement bank 70 to the organizer account 91 of the organizer-designated bank 90, and the difference between the balance of the voting ticket purchase fund account 24 and the purchase amount The amount is transferred from the settlement bank 70 to the member account 51 of the card issuing bank 50.
If a refund amount has been generated, the purchase amount is transferred from the settlement bank 70 to the organizer account 91 of the organizer-designated bank 90 as a sale amount, and from the total amount of the balance of the purchase fund account 24 and the refund amount. The amount after deducting the purchase amount is reflected from the settlement bank 70 to the member account 51 of the card issuing bank 50. At this time, the refund amount is transferred from the organizer account 91 of the organizer designated bank 90 to the settlement bank 70.
[0053]
If the member does not use the funds of the voting ticket purchase fund account 24 at all, the entire purchase funds debit card settlement is transferred from the settlement bank 70 to the member account 51 of the card issuing bank 50 at the beginning. It will be returned.
As described above, in the voting system (member registration system) 1 as an embodiment of the present invention, the debit card 100 accepts settlement of voting ticket purchase funds, and the normal transfer response from the card issuing bank 50 to the voting reception center 20. , It is considered that a credit check was performed at the same time as the identity verification (matching confirmation between the entered PIN and the previously submitted PIN)
Membership such as telephone voting members and home voting members will be registered in a simple procedure and in a short period of time without obtaining a resident card.
[0054]
Thereafter, by using the membership number and password issued at the member reception office 10, purchase of voting tickets from the member terminal 30 such as a telephone, a personal computer, etc. without having to carry cash (ie Voting for public competition).
Accordingly, the number of applicants who are elected to apply for voting membership in public competitions is less likely to avoid registration procedures, which contributes to improved sales of voting tickets for public competitions.
[0055]
At the time of member registration, a voting ticket purchase fund account 24 for stocking purchase funds is created and opened in the voting reception center 20, and the member purchases voting tickets to the voting reception center 20 using the membership number and the personal identification number. Voting is performed by making a voting request within the range of the balance in the fund account 24.
In other words, since the voting ticket is purchased within the range of the purchase funds by prestocking (pooling) the purchase funds in the voting ticket purchase fund account 24 at the voting reception center 20, membership registration is performed. Sometimes it is not necessary to open a new dedicated account, and it is not necessary to make a transfer request to the member account 51 every time a member purchases a voting ticket.
[0056]
Furthermore, each time a transfer is made using the debit card 100, the transfer requester (here, the organizer of the public competition) must bear a predetermined percentage (for example, 2%) of the usage amount as a fee. In the embodiment, since a certain amount of purchase funds are collected and stocked in the voting ticket purchase fund account 24 by one transfer, it is not necessary to bear the above-mentioned fee.
[0057]
At this time, if a refund is generated as a result of the voting performed by the member, the refund is transferred to the member account 51 by the voting reception processing unit 22 of the voting reception center 20. Therefore, the member needs to go to the window to receive the refund. It is possible to improve the convenience of members.
In addition, when a predetermined period has elapsed after the creation of the voting ticket purchase fund account 24 (71) or the deposit to the voting ticket purchase fund account 24 (71), the voting ticket purchase fund 22 of the voting reception center 20 performs the voting ticket purchase fund. Since the balance in the account 24 (71) is transferred to the member account 51, the funds not used to purchase the voting ticket are returned to the member account 51, so the member returns the balance in the voting ticket purchase fund account 24 (71). There is no need to take special procedures to get them done, and the convenience of members can be further enhanced.
[0058]
The present invention is not limited to the above-described embodiment, and various modifications can be made without departing from the spirit of the present invention.
For example, in the above-described embodiment, the case where a debit card (cash card) is used has been described. However, the present invention is not limited to this, and may be a credit card or the like. Any card can be used as long as it can make a settlement request for a desired amount (transfer request for its own account) to the management center 20.
[0059]
Further, in the above-described embodiment, the case where a member registration applicant (debit card user) goes to the member reception office 10 to perform member registration has been described. However, the member registration method of the present invention is not limited to this. Instead, the above-described member registration may be performed by using a mobile terminal device (for example, a mobile phone such as i-mode) having an account transfer request function without going to a member reception office or the like. In this case, a settlement request (transfer request for own account) of the amount desired by the member registration applicant is made from the portable terminal device to the management center 20.
[0060]
【The invention's effect】
As detailed above, Clearly According to the above, when the settlement of the desired amount of the member registration applicant is accepted, the transfer request of the desired amount is made to the bank having the account of the member registration applicant, and the normal transfer response from the bank is received, The member registration applicant is registered as a member, and the member's number is issued and notified to the member registration applicant, so that the settlement of the desired amount is accepted and a normal transfer response is sent from the bank to the management center. If it is performed, it is considered that a credit check has been performed at the same time as the identity confirmation, and member registration is performed in a simple procedure and in a short period of time without obtaining a resident card.
[0061]
Therefore, for example, the procedure for becoming a telephone voting member or a home voting member becomes easier in public competitions, so that the number of applicants who are elected to apply for membership is less likely to avoid registration procedures, and voting tickets for public competitions etc. Will contribute to improving sales.
In addition, the present invention Meeting Member registration system (claim) 1) Oh And voting system (claims) 2 ~ 4 According to the above, when the payment of the amount desired by the member registration applicant is received by the card at the member reception terminal, the card reception instruction for the desired amount is issued from the member reception terminal to the management center, and the management is performed. When a transfer request for the desired amount is made from the center to the bank with the card account, and the management center receives a normal transfer response from the bank, the member registration applicant is registered as a member, and the member about that member A number and a password are issued and sent back to the member reception terminal. At the member reception terminal, the member number and password from the management center are notified to the member registration applicant, and the registration as a member is completed.
[0062]
In other words, if payment of the desired amount is accepted by the card and a normal transfer response is made from the bank to the management center, it is considered that a credit check has been performed at the same time as the identity verification, and member registration can be performed without obtaining a resident card etc. It will be done in a simple procedure and in a short time.
Therefore, for example, the procedure for becoming a telephone voting member or a home voting member becomes easier in public competitions, so that the number of applicants who are elected to apply for membership is less likely to avoid registration procedures, and voting tickets for public competitions etc. Will contribute to improving sales.
[0063]
In addition, the present invention Throw Voting system (claims 2 ~ 4 ), In addition to obtaining the above-described effects, at the time of member registration, a voting ticket purchase fund account holding a desired amount is created in the management center, and the registered member Voting is performed by making a voting request within the range of the balance in the voting ticket purchase fund account using the membership number and password.
[0064]
In other words, in the administration center, stocking the desired amount of funds in the voting ticket purchase fund account in advance, the voting ticket will be purchased within the range of the funds, so the member opens a dedicated account This eliminates the need to make a transfer request for the member account each time a member purchases a voting ticket. In addition, each time a transfer is made using a debit card, the transfer requester must bear a predetermined percentage of the usage amount as a fee. In the present invention, a certain amount of funds is transferred by one transfer. Since they are stocked together in the voting ticket purchase fund account, there is an effect that it is not necessary to bear the above-mentioned fee.
[0065]
At this time, if a refund is generated as a result of voting by a member, the refund is transferred to the member account by the management center (claim 3 ), The member does not need to go to the window to receive the refund, and the convenience of the member can be improved.
In addition, when a predetermined period has elapsed after the creation of a voting ticket purchase fund account or after depositing into the voting ticket purchase fund account, the remaining amount in the voting ticket purchase fund account is transferred to the member account by the management center (claim) 4 ), Because funds that were not used to purchase voting tickets are returned to the member account, members do not need to take any special procedures to return the balance of the voting ticket purchase funds account. It can be further increased.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a voting system (member registration system) as an embodiment of the present invention.
FIG. 2 is a flowchart for explaining a voting member registration procedure in a card reception machine in the voting system (member registration system) of the present embodiment.
FIG. 3 is a flowchart for explaining a member registration processing procedure at a voting reception center in the voting system (member registration system) of the present embodiment.
FIG. 4 is a flowchart for explaining a voting acceptance processing procedure at a voting acceptance center in the voting system (member registration system) of the present embodiment.
FIG. 5 is a flowchart for explaining a transfer processing procedure at a voting reception center in the voting system (member registration system) of the present embodiment;
[Explanation of symbols]
1 Voting system (member registration system)
10 Member reception desk
11 Card acceptance machine (member registration terminal, POS terminal)
12 pin pad (PINPAD)
20 Voting reception center (management center)
21 Member Registration Processing Department
22 Voting acceptance processing section
23 voting files
24 voting ticket purchase fund account
30 Member terminals (telephone, PC)
40 Totalizer System
50 card issuing bank
51 User account (member account)
60 CAFIS (shared use network)
70 Settlement Bank
71 Voting ticket purchase fund account
80 Clearing Center
90 Organizer designated bank
91 Organizer account
100 debit card (cash card, card)

Claims (4)

A member acceptance terminal for accepting registration of the member registration applicant,
A management center that is connected to the member reception terminal so as to be able to send and receive data to and from each other, and performs a member registration process;
The member reception terminal is
Means for accepting a card owned by the applicant for membership registration and reading account information of the card from the card;
The account information of the card read by the means and the amount desired by the member registration applicant are notified to the management center, and the settlement of the desired amount using the card is made to the management center. With means to give instructions,
The management center
Upon receiving the payment instruction from the member reception terminal , the bank requests the bank having the card account based on the card account information to transfer the desired amount via the communication network. When the normal transfer response is received via the communication network, the membership number of the applicant who wants to register as a member, a personal identification number, and an account number of a virtual account are issued. A member registration processing department that responds to
The membership number issued by the member registration processing unit, the personal identification number and the account number of the virtual account, and a predetermined storage area that stores the desired amount in association with each other,
The member reception terminal is configured to further include means for notifying the member registration applicant of the member number and the password returned from the member registration processing unit of the management center. Member registration system. A member acceptance terminal for accepting registration of the member registration applicant,
A management center for registering members, connected to the member reception terminal so as to be able to transmit and receive data to and from each other;
A member terminal connected to the management center via the first communication network;
The member reception terminal is
Means for accepting a card owned by the applicant for membership registration and reading account information of the card from the card;
The account information of the card read by the means and the amount desired by the member registration applicant are notified to the management center, and the settlement of the desired amount using the card is made to the management center. With means to give instructions,
The management center
Upon receiving the payment instruction from the member reception terminal, a transfer request for the desired amount is made via the second communication network to the bank having the account of the card based on the account information of the card, When a normal transfer response from the bank is received via the second communication network, the membership number of the applicant for membership registration, a personal identification number, and an account number of a virtual voting ticket purchase account are issued, and the membership number And a member registration processing unit for returning the personal identification number to the member reception terminal;
A predetermined storage area in which the member number issued by the member registration processing unit, the personal identification number, and the account number of the virtual voting ticket purchase account, and the desired amount are stored in association with each other;
The member reception terminal further comprises means for notifying the member registration applicant of the member number and the password returned from the member registration processing unit of the management center;
The management center, based on the member number and the password entered from the member terminal via the first communication network by the member, the virtual member for the member registered in the predetermined storage area. A voting acceptance processing unit that accepts a voting request input by the member from the member terminal via the first communication network within a range of a balance in a typical voting ticket purchase account, and performs voting acceptance processing of the member; A voting system characterized by being further configured. The member registration processing unit of the management center manages the account of the card as a member account by registering the account information of the card of the member in association with the member number in the predetermined storage area. ,
When the voting acceptance processing unit of the management center generates a refund as a result of the voting performed by the member, the refund is transferred to the member account based on the account information of the card registered in the predetermined storage area. The voting system according to claim 2, wherein: The member registration processing unit of the management center manages the account of the card as a member account by registering account information of the card of the member in association with the member number in the predetermined storage area,
When the voting acceptance processing unit of the management center has passed the predetermined period after the creation of the virtual voting ticket purchase account or after the payment to the virtual voting ticket purchase account, the virtual voting ticket purchase account 4. The voting system according to claim 2, wherein the balance is transferred to the member account based on the account information of the card registered in the predetermined storage area.

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