KR101143607B1 - Lottery system and method using a settlement data - Google Patents

Abstract

The present invention relates to a lottery system and a method for each payment customer number, and counts the number of payments at the time of credit payment and cash payment according to the payment amount group, collects a predetermined percentage of the winner's sales, and collects the amount corresponding to the winner's payment amount. It is possible to grant a discount as much as the amount, and by selecting the probability of winning according to the customer's choice to provide a billing customer lottery system and a method for giving a discount on the payment amount based on the counting result by the probability of winning The purpose is.

According to the present invention, when performing a payment for a commodity price through a credit card or cash, the payment order is given to a group classified in advance by the corresponding payment price, and the price is discounted according to whether or not to match the predetermined winning order number. Or by providing cyber money, it is possible to activate consumption, increase merchant sales, and receive winnings in proportion to the amount used by customers. The benefit is that the odds of winning can be increased because they can be divided and participate in the turn counting service. In addition, the customer can specify the odds of winning the payment in advance to determine the number of groups participating in the payment order counting service such as 10, 20, 30, etc. In the case of selecting a group of the number of people, there is an advantage in that the winning amount can be increased, so that consumption can be promoted and the price can be drawn in consideration of the customer's intention.

Description

Lottery System and METHOD USING A SETTLEMENT DATA}

1 is a schematic diagram schematically showing the configuration of a billing customer lottery system according to a first embodiment of the present invention;

2 is a diagram illustrating a payment counting state of a payment customer lottery system according to a first embodiment of the present invention;

3 is a view illustrating a counting state for each payment amount in a lottery system for payment customer sequence according to the first embodiment of the present invention;

Figure 4 is a block diagram showing the configuration of a payment / lottery management server according to a first embodiment of the present invention,

5A and 5B are flowcharts showing signal flows of a lottery system for billing customers according to a first embodiment of the present invention;

6 is a view showing the progress of the payment customer lottery system according to a second embodiment of the present invention;

7 is a flowchart illustrating a signal flow of a billing customer lottery system according to a second embodiment of the present invention;

8 is a block diagram showing the configuration of a payment / lottery management server according to a third embodiment of the present invention,

9 is a flowchart illustrating a signal flow of a billing customer lottery system according to a third embodiment of the present invention;

10 is a view showing a customer selection signal generation state of the billing customer lottery system according to a fourth embodiment of the present invention;

11 is a flowchart illustrating a signal flow of a billing customer lottery system according to a fourth embodiment of the present invention;

12 is a schematic diagram schematically showing the configuration of a billing customer lottery system according to a fifth embodiment of the present invention;

13A, 13B, and 13C are flowcharts showing signal flows of a lottery system for billing customers according to a fifth embodiment of the present invention;

14 is a schematic diagram showing a schematic configuration of a billing customer lottery system according to a sixth embodiment of the present invention;

15A and 15B are flowcharts illustrating a signal flow of a payment customer lottery system according to a sixth embodiment of the present invention;

16 is a view illustrating a data flow of a billing customer lottery system according to a seventh embodiment of the present invention;

17 is a flowchart illustrating a signal flow of a billing customer lottery system according to a seventh embodiment of the present invention;

18 is a diagram illustrating a data flow of a billing customer lottery system according to an eighth embodiment of the present invention;

19 is a flowchart illustrating a signal flow of a billing customer lottery system according to an eighth embodiment of the present invention;

20 is a diagram illustrating a data flow of a billing customer lottery system according to a ninth embodiment of the present invention;

21 is a flowchart illustrating a signal flow of a billing customer lottery system according to a ninth embodiment of the present invention;

22 is a diagram illustrating a data flow of a billing customer lottery system according to a tenth embodiment of the present invention;

23 is a schematic diagram schematically showing the configuration of a billing customer lottery system according to a tenth embodiment of the present invention;

24A and 24B are flowcharts illustrating a signal flow of a payment customer lottery system according to a tenth embodiment of the present invention;

25 is a schematic diagram schematically showing the configuration of a billing customer lottery system according to an eleventh embodiment of the present invention;

26 is a block diagram showing the configuration of a payment / lottery management server according to an eleventh embodiment of the present invention;

27 is a flowchart illustrating a signal flow of a billing customer lottery system according to an eleventh embodiment of the present invention;

28A is a flowchart illustrating a signal flow of a payment customer lottery system according to a twelfth embodiment of the present invention;

28B and 28C are flowcharts illustrating a signal flow of a payment customer lottery system according to a thirteenth embodiment of the present invention;

29 is a view illustrating a receipt for use of a delivery company of a billing customer lottery system according to a fourteenth embodiment of the present invention;

30A and 30B are flowcharts illustrating a signal flow of a payment customer lottery system according to a fourteenth embodiment of the present invention;

FIG. 31 is a view showing a gift certificate for an affiliated store lottery system according to a fifteenth embodiment of the present invention;

32 is a flowchart illustrating a signal flow of a payment customer lottery system according to a fifteenth embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1 ～ An: Merchant Payment Terminal, PSLMS: Payment / Lottery Management Server,

ES: Electronic Certificate Server, CBS: Financial Payment Server.

The present invention relates to a lottery system and a method for billing customer turnover, and in detail, counts the number of payments for credit and cash payments by the corresponding payment amount group and collects a predetermined percentage of the winner's sales to collect the winner's payment amount. It is possible to give a discount as much as the collected amount to, and select a winning probability according to the customer's choice, and give a discount on the payment amount based on the counting result by the probability of winning. It is about.

As is well known, due to the recent development of information communication technology, development of information providing technology for providing information on various fields via a long distance data communication network to a plurality of subscribers through at least one host server is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

In recent years, the company has developed a device that allows various payments to be made to cash and credit customers, as well as on-line, and stimulates consumer purchase sentiment. In the case of a large payment such as a department store, a general-purpose credit card with both a lump sum and an installment service function that can use various goods or services as a lump sum or an installment, as well as a cash service function that can withdraw a certain amount of cash as a lump sum. Credit cards with various forms of credit have been applied, ranging from commodity stores to product settlement cards with only one-time payment and installment service functions, except for cash service.

In addition to the convenience of payments, users of credit card cards are seeking to provide tax benefits for payments made using credit cards, and the frequency of using such credit card cards has increased drastically. There is a trend.

On the other hand, in order to secure the transparency of tax sources and to prevent the omission of taxation through the activation of the credit settlement method using such a credit card, the government has led the government to make payments over a certain amount through credit card on a regular basis. A lottery lottery system has been developed and applied to draw a performed card user to pay a predetermined amount of prize money.

In the case of a lottery drawing through such a credit card, when a user of a credit card, which is distributed nationwide, uses a card to make a purchase payment for a predetermined product or service, the number of payments for the card is determined in the order of payment time. As soon as the serial number is assigned, the serial number will be drawn at regular intervals (for example, once a week), so that a certain amount of winnings can be paid to the credit card with the number of payments for the card of the winning serial number. have.

However, in the lottery lottery system using the conventional credit card, the lottery date through the serial number given by the number of payments of the card is allowed to be set for a certain period of time from the payment date through the credit card, for example, a week. Therefore, the user using the credit card is troublesome to check the winning time according to the drawing time, and it is impossible to judge the winning time at the time of paying the card. There is a disadvantage that it is difficult to inspire a purchase desire through.

In addition, in the lottery lottery method using a conventional credit card, the winnings awarded to the winners who have won as a result of the card payment can be paid through the resources provided separately by the card company or other lottery institutions. There is a disadvantage in that the difficulty for raising such separate financial resources is increased, and since the number of card payments is enormous, the number of winners is limited to a very small number, so it is almost impossible to enjoy the expected effect such as the increase in the use of the card through the lottery drawing. The disadvantage is that it is impossible.

Meanwhile, in the case of a card merchant, the buyer wants to induce more sales than the non-affiliated store while incentivizing the buyer's desire to purchase through the maximum reserve or the private bank company when using the card. There is a problem that an event such as cannot be started.

In addition, in the case of cash payers, even though the same product purchase cost is paid, there is a problem that even the chance of credit card lottery is not provided because the lottery opportunity generated by the government-led card settlement is to prevent the omission of tax revenue.

In addition, there are no reserves or lotteries to increase sales in financial transactions such as loans or fee transfers. In this case, financial products such as loans are the same as buyers' consumption and settlement behaviors. It is urgent to provide various merits.

Therefore, Applicant accumulates a predetermined percentage of each settlement sales when paying for purchases such as merchant product purchases or online shopping, and counts the corresponding settlement sequence number to discount the amount accumulated to customers who have made a certain sequence number payment. A system has been patented.

However, in the case of the product discount system according to the payment sequence number, since only one count is performed regardless of the payment amount of each customer, the probability of winning is given regardless of the payment amount. Therefore, there was a problem that the customers who have a large amount of payment suffered relatively damages.

In addition, the above-mentioned item number discount system for each payment order number checks the payment order number of each customer in a state in which the computer designates a specific winning order number in advance, such as designating the 100th customer as the winner when 100 customers make a payment in advance. There was a problem that the customer could not choose the odds of winning. In other words, although there is a customer who wants to increase the probability of winning even if the discount amount is small, the conventional payment system does not satisfy such customers.

On the other hand, merchandise stores such as franchisees and department stores require a system to induce customers to find them on weekday mornings because the frequency of visits is low on weekdays. However, since the conventional product discount system for each payment order is a system that simply counts once per payment regardless of the time of visit to the corresponding merchandise store, the customer dispersion effect is reduced, resulting in reduced efficiency of employee management and space utilization. There was this.

In addition, when a customer pays for a product with a credit card, the merchant also generates a profit, but a credit card company that receives a certain fee from the merchant also generates a profit and thus provides various reserves. However, the reserves are similar to the reserves granted by merchants, so the actual benefits are very insignificant and the amount that customers do not feel, so credit card companies also accumulate the reserves separately and provide the winners by the payment count sequence. The need to derive is very high.

In addition, when a retailer or a retailer such as a department store or a large mart wants to carry out an event on a specific product, the sales rate of the corresponding product is increased by simply letting the consumer pay attention to the product through a price discount. These products are called bait products to inspire consumers to visit.

As a result, retailers and retailers such as department stores and hypermarkets are simply offering discounts on certain products to consumers, but consumers are not particularly attracted to discounts because all retailers and retailers conduct such events. Therefore, there is a limit to promoting consumption.

The present invention has been made in view of the above-described prior art, and counts the number of payments for credit and cash payments by the corresponding payment amount group, collects a predetermined percentage of the unwinner's sales, and collects the amount corresponding to the winner's payment amount. The purpose of the present invention is to provide a billing customer lottery system and a method for granting as many discounts as possible.

Another object of the present invention is to select a variety of odds of the customer at the time of credit settlement and cash payment, collect the winning amount of the predetermined percentage of sales by the corresponding probability of winning, and selects the winners through the order number settlement for each winning probability group, The present invention provides a billing customer lottery system and a method for granting a winner a discount as much as the collected amount.

Another object of the present invention is to designate a counting group for each day, week, or month of credit and cash payments, collect winnings of a predetermined percentage of sales for each counting group, and count the winners by counting the settlement number for each counting group. The present invention provides a billing customer lottery system and a method for selecting and awarding a discount equal to the collected amount to the winner.

Another object of the present invention is to pre-define a certain manufacturing number as a winning number when the manufacturer ships the product, and to store the information on the server to the buyer of the product of the specific winning number by collecting a predetermined ratio by each product sales order when the product purchase payment The present invention provides a billing customer lottery system and a method for providing the same.

According to another object of the present invention, when a financial settlement event such as a loan or a remittance occurs, a predetermined ratio of fees incurred when selling a financial product at each financial company is collected on a case-by-group basis for each group sold by each product sales amount. It is to provide a billing customer lottery system and a method for discounting interest and various fees by selecting a specific event sequence as a winner.

Another object of the present invention is to select a particular winner through the payment counting within the group grouped by each product sales amount even when mobile or ARS payment to discount the payment amount, and select the probability of winning by the customer himself to determine the size of the group In order to provide a payment customer lottery system and a method thereof.

Another object of the present invention is to accumulate and accumulate the accumulated amount provided by a plurality of merchants at the time of purchase of the consumer's product, and when the accumulated amount of the corresponding consumer is exceeded by the consumer's selection for a specific accumulated amount group, The present invention provides a lottery system for lottery customers and a method for discounting or accumulating a winning amount by recognizing a consumer as a winner.

Another object of the present invention is to accumulate more accumulated amount than other products by accumulating by providing a portion of the discount amount for the specific lottery event product for the lottery system to provide an event count with a discount The purpose of the present invention is to provide a lottery system for billing customers and a method of increasing the number of visits to stores through product sales and facilitating consumption of other products.

Another object of the present invention is to accumulate the accumulated amount provided at the time of purchase of various gift certificates purchased by credit card or cash, to select the winners through the sequence number of payment, so that the winners can be given a discount as much as the combined amount collected. To provide a billing customer lottery system and a method thereof.

Another object of the present invention is to register the customer's credit card number and mobile number linked to the payment / lottery management server, and by registering the deposit processing information for each customer for each customer, according to the customer's preset information specified by the customer when the payment signal occurs, A certain percentage of the reserves is used as a counting point, and the remaining reserves are provided to provide a billing customer lottery system and a method for processing to be accumulated.

Another object of the present invention is to register each of the customer through the mobile phone by registering the classification information, discount information, location information, phone number information, special event information, sales product information to the payment / lottery management server using the merchant PC As a desired category, the present invention provides a lottery system for billing customers and a method for searching for a suitable merchant through a selection of a specific region, a high order of hill-in rate, a special event occurrence merchant, and a sale product.

Another object of the present invention is that when a pre-booking request is received through the customer's pre-booking application and reservation information input, the reservation amount transfer, the payment / lottery management server will use the count points corresponding to the total estimated payment amount to the customer in advance The present invention provides a billing customer lottery system and a method for providing a counting service before payment.

Another object of the present invention is to receive the payment number from the payment / lottery management server in advance by receiving the authentication number of the count point that can be printed on the receipt in advance from the payment / lottery management server customer payment / The present invention provides a billing customer lottery system and a method for accessing a lottery management server to provide a counting service.

Another object of the present invention is to provide a count point that can be used within a certain period by registering a gift certificate authentication number in the payment / lottery management server when issuing a gift certificate for each merchant, if the period is exceeded, calculate the date until the use of the gift certificate By providing a predetermined interest rate, and by automatically deleting the count point to provide an additional benefit when purchasing the customer's gift certificate by providing a billing customer lottery system and method for promoting the distribution of the gift certificate of the merchant.

In order to achieve the above object, according to a preferred embodiment of the present invention to transmit the card information and payment information to the payment / lottery management server to be regarded as the lottery object of the order by payment for payment through a credit card, A card payment terminal provided in an affiliated store for confirming and displaying a winning receipt of a credit card through a sales receipt; An electronic authentication server that receives a credit inquiry request for payment of a credit card from the card payment terminal and performs an authentication process; A financial settlement server which performs payment processing for the credit card that has been authenticated by the electronic authentication server, and is provided at the payment destination of the credit card company; From the card payment terminal, a plurality of groups by payment amount unit are classified by the payment request signal, card information, and payment amount information, and the numbers according to the payment order number are assigned to the respective groups, and whether the payment order number is a predetermined winning order number. Checking is performed, and the payment customer lottery system is provided, characterized in that consisting of a payment / lottery management server for transmitting the corresponding information to the card payment terminal.

Preferably, the payment / lottery management server is provided with a billing customer lottery system, characterized in that the card information transmitted from the card payment terminal determines whether the non-participating card or affiliate card.

Preferably, the card payment terminal, the payment information and payment amount information including the mobile phone information of the customer to the payment / lottery management means to give a lottery opportunity to the payer for the cash payment for a specific product or service price There is provided a billing customer lottery system, characterized in that to provide.

Preferably, the group that the payment / lottery management server is classified into a plurality of groups by payment amount unit is less than 100,000 won payment group, more than 100,000 won 200,000 won or less payment group, more than 200,000 won 300,000 won or less payment group, more than 300,000 won 500,000 won A payment customer numbered lottery system is provided, which is classified into a payment group that does not overlap, such as a payment group, a payment group exceeding 500,000 won, or less than 1 million won.

Preferably, the payment of the winnings provided by the payment / lottery management server is a payment customer, characterized in that the accumulated amount provided by the merchant to provide a certain percentage of the prize for the payment of the winners specified in the order of payment before the winner A lottery drawing system is provided.

Preferably, the payment / lottery management server includes a gateway (WEB, WAP Gateway) for matching the data transmitted through the web network and the wireless Internet network with the protocol in the server; A connection unit connecting data transmitted through the gateway (WEB, WAP Gateway) with an internal module of the server; An authentication center for authenticating whether the affiliate is an affiliated merchant through a unique number such as a MAC address of a card payment terminal of each affiliated store; A connection detection processor for checking a connection state of the card payment terminal of each affiliated store; A group designation processor for designating a group for each payment amount classified in advance for each payment amount of the customer transmitted from the card payment terminal; A count execution processor for determining a payment order number of a corresponding customer in the group in a state in which a group is designated in the group designation processor according to payment information of the customer authorized from the card payment terminal; An affiliated store cost settlement processor configured to subtract the corresponding winning amount from the payment amount for each customer to settle the payment to be made by the card payment terminal of the affiliated store; A data storage unit for storing the unique number of the card payment terminal for each affiliated store and the affiliated merchant information for each corresponding unique number, storing the settlement sequence numbering information of the group for each payment price, and storing the winning information for each group; ; According to the payment price information and the merchant code provided through the gateway from the card payment terminal to confirm whether the affiliates affiliated with the authentication center, and the corresponding customer according to the payment order in the group in the specified group by the payment price There is provided a billing customer lottery system consisting of a control module configured to check whether the winning.

On the other hand, the present invention is the process of the payment / lottery management server to classify and build the group for each payment; Transmitting, by the card payment terminal, payment signals and payment amount information using a credit card of a specific customer; A process of the payment / lottery management server receiving the corresponding payment signal and payment amount information and designating a group to which the corresponding payment amount is to participate; A process of designating a settlement order number within a group corresponding to the settlement price of the payer by the settlement / lottery management server; Determining, by the payment / lottery management server, whether the corresponding payment order matches the predetermined winning order number; If the match, the payment / lottery management server determines the payer as a winner, and transmits the winning information to the card payment terminal; The card payment terminal generating a payment signal of a payment amount of which the corresponding winning money is subtracted; The electronic authentication server and the financial settlement server performing credit settlement according to the payment signal transmitted from the card settlement terminal, and transmitting the corresponding payment information to the card settlement terminal; The card payment terminal is provided with a billing customer lottery method characterized in that the process consisting of outputting the payment information and the winning information on the receipt.

Preferably, according to the customer's selection entered into the card payment terminal, the payment order counting is characterized in that the payment order counting can be performed by dividing a plurality of times in the lower payment group without performing the payment order counting in the upper payment group. A separate lottery method is provided.

Preferably, when the payment price signal is applied from the card payment terminal, the payment / lottery management server to calculate a predetermined rate for the payment price as a reserve; The payment / lottery management server provides a lottery billing customer lottery method characterized in that it further comprises a process of calculating the winnings cost to collect and accumulate the reserves of the corresponding winners at regular intervals.

Preferably, the settlement / lottery management server is provided with a billing customer lottery method characterized in that it further comprises the step of updating the information to the payment order number of the winner when the winner occurs.

Preferably, the payment / lottery management server, if the winner is a non-winner, the payment customer characterized in that it further comprises the step of transmitting information to output the information about the order of the payer and the winning order number on the card receipt A separate lottery method is provided.

Meanwhile, in the present invention, when a predetermined cash user wants to pay cash for a purchase price of a product or a use price of a service, when the user inputs corresponding payment information using the card payment terminal, the card payment terminal receives the corresponding payment. Transmitting the payment information and the corresponding terminal unique number to the payment / lottery management server; Assigning, by the payment / lottery management server, a payment order of the corresponding customer after a previously issued payment order within a group for each payment price unit classified in advance according to the payment price information of the corresponding payer; Determining, by the payment / lottery management server, whether the order of the corresponding customer matches the winning order; If it is matched, the payment / lottery management server to calculate the final payment price information excluding the winning amount from the payment amount of the customer, and transmits the corresponding information (winning amount information) to the card payment terminal; The card payment terminal is provided with a lottery payment method according to the customer characterized in that it consists of a process of outputting a cash receipt containing the corresponding information and payment information.

On the other hand, the present invention transmits the card information and payment information, the group selection information by the number of people selected by the customer to the payment / lottery management server to be regarded as the lottery object by the order of payment for payment through the credit card, the winning was made A card payment terminal provided in an affiliated store for confirming and displaying a winning receipt of a credit card through a sales receipt; An electronic authentication server which receives a credit inquiry request for payment of a credit card from the card payment terminal and performs an authentication process; A financial settlement server which performs payment processing for the credit card that has been authenticated by the electronic authentication server, and is provided at the payment destination of the credit card company; According to the payment request signal and card information from the card payment terminal and the group selection information for each lottery target selected by the customer, the payment sequence number is assigned to the corresponding payment customer in the lottery target group, and the corresponding payment sequence is designated in advance. Checking whether the order number is carried out, and the payment customer lottery system is provided, characterized in that consisting of a payment / lottery management server for transmitting the corresponding information to the card payment terminal.

Preferably, the group that the payment / lottery management server is divided into a plurality of groups by the number of people to be lottery is a group of 10 people, the 10th number of payers of the 10 payers is a group that the winner, 20 groups, 20 A billing customer number-based lottery system is provided, characterized in that the payer of the 20th order number of payers is the group to be the winner.

Preferably, the payment / lottery management server provides a billing customer lottery system, characterized in that the larger the sum of the number of the number of people to be lottery, the cumulative winning amount is larger.

On the other hand, the present invention is the process of transmitting the card information, terminal unique number, payment price information, group information for each specific lottery target selected by the customer from the card payment terminal provided in the merchant to the payment / lottery management server; ; The payment / lottery management server assigning a settlement order of a corresponding customer next to a settlement order performed in a group for each specific lottery target person selected by the customer; Determining, by the payment / lottery management server, whether the customer order matches the winning order number; If the match, the payment / lottery management server determines the payer as a winner, and transmits the winning information to the card payment terminal; The card payment terminal generating a payment signal of a payment amount of which the corresponding winning money is subtracted; The electronic authentication server and the financial settlement server performing credit settlement according to the payment signal transmitted from the card settlement terminal, and transmitting the corresponding payment information to the card settlement terminal; The card payment terminal is provided with a billing customer lottery method characterized in that the process consisting of outputting the payment information and the winning information on the receipt.

Preferably, the accumulation amount accumulated by the card payment terminal for the non-winner is provided by the lottery payment method according to the customer number, characterized in that the cumulative processing for each lottery number group.

Preferably, the winnings provided to the winners are the amount corresponding to the ratio of the winning probability (10%, 20% ...) selected by the winner in advance for the amount used by the winners. A method is provided.

Preferably, even if a plurality of lottery target groups are not classified in the settlement / lottery management server, if the corresponding payer selects group information (probability of probability information) for each lottery target member, the settlement / lottery management server may settle the payment. There is provided a billing customer lottery method characterized in that it determines whether the winning number determined according to the unit selected by the corresponding lottery target number matches the payer's order.

Preferably, the process of transmitting the probability of winning information from the payer PC in advance; The payment / lottery management server further includes the step of registering the corresponding probability of winning information such that when performing the counting, the settlement / lottery management server automatically performs the group classification through the registered probability of winning information without the customer's separate selection There is provided a billing method for each customer's turn.

On the other hand, the present invention is the process of transmitting the card information, terminal unique number, payment price information, group information for each specific lottery target selected by the customer from the card payment terminal provided in the merchant to the payment / lottery management server and ; The payment / lottery management server is a pre-classified payment group, the process of assigning the payment order of the customer next to the payment order in progress in the small group for each specific lottery target selected by the customer; Determining, by the payment / lottery management server, whether the customer order is identical to the winning order number; If the match, the payment / lottery management server determines the payer as a winner, and transmits the information on the winnings accumulated in the group to the card payment terminal; The card payment terminal generating a payment signal of a payment amount of which winnings are subtracted; The electronic authentication server and the financial settlement server performing credit settlement according to the payment signal transmitted from the card settlement terminal, and transmitting the corresponding payment information to the card settlement terminal; The card payment terminal is provided with a billing customer lottery method characterized in that the process consisting of outputting the payment information and the winning information on the receipt.

On the other hand, the present invention is a key button for generating a payment signal and authorized authentication information, etc. therein, and a built-in web browser, a payer PC equipped with a communication module for transmitting the information remotely; The online payment server which is built in the online shopping mall, receives the payment request signal from the payer's PC, transmits the payment price information of the corresponding product to the payer's PC, and performs the payment processing by the payment processor provided therein. Wow; A financial server for performing a credit payment processing of a product price by means of payment information transmitted from the PC of the payer through the online payment server; Receiving payment information, payment information, and donated online shopping mall unique number information from the online payment server, the corresponding payment order number is counted in a pre-classified payment price group, and the payment / lottery determines the winning There is provided a billing customer lottery system, characterized in that configured as a management server.

Preferably, the payment / lottery management server is characterized in that it further comprises a database that stores the payment order number information, the unique number information of the online shopping mall, the winner information and the like classified in advance in the payment price group A lottery system is provided.

Preferably, a payment customer lottery system is provided, characterized in that it is also possible to further include a mobile terminal having a payment tool therein so as to make a mobile payment instead of the payer PC.

Preferably, a billing customer lottery system is provided, characterized in that it is also possible to further include a payer phone terminal to perform ARS payment instead of the payer PC.

On the other hand, the present invention is the process of applying a payment signal from the PC of the payer connected to a predetermined online shopping mall; Transmitting, by the online payment server, payment information of the corresponding payer and a unique number of the donated online shopping mall to the payment / lottery management server through a data communication network; The payment / lottery management server assigning a payment order of a corresponding customer next to a previously issued payment order in a group classified in advance according to the payment price information of the card payer; Determining, by the payment / lottery management server, whether a payment order of a corresponding customer matches a predetermined winning order number; If the match, the payment / lottery management server to calculate the final payment price information excluding the winning price from the payment of the customer, and transmits the corresponding information (winning amount information) to the online payment server; Generating, by the online payment server, the credit inquiry and credit settlement request signal of the corresponding card to the financial server for the payment information from which the corresponding prize money is subtracted; Transmitting, by the financial server, payment information of the customer to the online payment server; In addition to the payment information, the online payment server is provided with a billing customer lottery method characterized in that it consists of a process of outputting the screen by transmitting the winning information provided from the payment / lottery management server to the payer PC.

Preferably, the process of transmitting the probability of winning information from the payer PC in advance; Registering the winning probability information by the payment / lottery management server; Applying customer information and a payment signal from the payer PC; The payment / lottery management server automatically extracts the pre-registered winning probability information through the corresponding customer information, and executing the count in the corresponding winning probability group further provides a billing customer lottery method characterized in that it further comprises do.

On the other hand, the present invention comprises the steps of transmitting a card payment terminal card number, card information, terminal unique number, payment price information, interest-free installment information selected by the customer to the payment / lottery management server when the card payment; The payment / lottery management server assigning a payment order of the customer next to a payment order executed in a group classified according to interest-free installment information selected by the card payer; Checking, by the payment / lottery management server, whether the customer is a winner in real time; If the customer has not won the process, the payment / lottery management server to send the information of the customer's non-winning to the card payment terminal; The card payment terminal transmitting payment information to the electronic authentication server and the financial payment server to perform payment processing; Transmitting, by the financial settlement server, payment information of the customer to the card settlement terminal; The card payment terminal outputting the non-winning information on the receipt together with the corresponding payment information; If the customer is a winner, the payment / lottery management server transmits the payment information and the corresponding winning information (interest interest installment information) of the customer to the card payment terminal using interest-free installment winning information for each group. and; Transmitting, by the card payment terminal, the corresponding payment information together with the winning interest-free installment information to the electronic authentication server and the financial settlement server; The financial settlement server performing interest-free installment processing of the customer and transmitting payment information of the customer to the card payment terminal; In addition to the corresponding payment information, the card payment terminal is provided with a billing customer lottery method characterized in that it consists of a process of outputting the winning information (interest interest installment information) on the receipt.

Preferably, the card payment terminal transmits a selection signal for selecting a 3-month interest-free group, a 5-month interest-free group, a 12-month interest-free group; The payment / lottery management server provides a payment customer lottery method characterized in that it further comprises the step of executing the count of the customer for each interest-free group.

Preferably, the process of the payment / lottery management server to perform the count of the customer for each interest-free group is selected for the three-month interest-free installment payment customers are classified into the same group to count one person per three as a winner, 5 months interest-free The payment customers who have selected the installment are classified into the same group, and the lottery payment method according to the paying customer number is provided, which provides a differentiated probability of winning by interest-free installment periods so that one person per five is counted as a winner.

On the other hand, the present invention is the process of the settlement / lottery management server to designate and classify each loan in advance in groups of a plurality of money units; Generating a loan event signal from a financial settlement server that processes a predetermined loan product; Transmitting, by the financial settlement server, the loan amount information of the corresponding lender and the donated financial company unique number to the settlement / lottery management server through a data communication network; The payment / lottery management server assigning a payment order of a corresponding customer next to a payment order previously performed in a group classified in advance according to loan amount information of a corresponding borrower; Determining, by the payment / lottery management server, whether or not to win by comparing the winning order with the order of the corresponding customer; If the customer is a winner, the settlement / lottery management server extracts adjustment information for adjusting the loan interest rate or loan principal of the customer according to the interest discount rate or loan principal discount rate previously designated by the financial company, and the corresponding winning information ( Transmitting the winning amount information) to the financial settlement server; The financial settlement server provides a lottery billing customer lottery method comprising the process of transmitting the loan interest rate information or loan principal adjustment information adjusted by the winnings to the financial product buyer.

On the other hand, the present invention, even in the case of deposits and savings products, the interest rate increase adjustment is a winning benefit, and the winning benefits are provided by matching the winning order by whether the deposit and deposit payment points are provided within the group by deposit and deposit amount unit. Provided is a billing customer lottery method characterized in that it provides.

On the other hand, the present invention is characterized by classifying the group by the exchange and remittance amount in order to reduce the financial fees incurred in the case of exchange and remittance, and exempt from the fee when winning by the group number according to the amount of the customer A lottery method for each payment customer is provided.

On the other hand, the present invention is the process of transmitting the card information, terminal unique number, payment information, count direction information (reverse count, positive count) selected by the customer from the card payment terminal provided in the merchant to the payment / lottery management server; The payment / lottery management server assigning a payment order of a corresponding customer according to a count direction selected by the customer within a group for each payment amount sensated; Determining, by the payment / lottery management server, whether the customer order is identical to the winning order number; If the match, the payment / lottery management server determines the payer as a winner, and transmits the winning information to the card payment terminal; The card payment terminal generating a payment signal of a payment amount of which the corresponding winning money is subtracted; The electronic authentication server and the financial settlement server performing credit settlement according to the payment signal transmitted from the card settlement terminal, and transmitting the corresponding payment information to the card settlement terminal; The card payment terminal is provided with a billing customer lottery method characterized in that the process consisting of outputting the payment information and the winning information on the receipt.

Preferably, when the customer selects a reverse count, a payment customer sequence lottery method is provided, in which the payment sequence is given in reverse until the next payment customer selects the reverse count.

On the other hand, the present invention is the card payment terminal provided in the merchant card information, terminal unique number, payment price information, the order skip information selected by the customer is transmitted to the payment / lottery management server; The payment / lottery management server assigning a payment order of the corresponding customer according to the skip order number selected by the customer within the group for each payment amount; Determining, by the payment / lottery management server, whether the customer order is identical to the winning order number; If the match, the payment / lottery management server determines the payer as a winner, and transmits the winning information to the card payment terminal; The card payment terminal generating a payment signal of a payment amount of which the corresponding winning money is subtracted; The electronic authentication server and the financial settlement server performing credit settlement according to the payment signal transmitted from the card settlement terminal, and transmitting the corresponding payment information to the card settlement terminal; The card payment terminal is provided with a billing customer lottery method characterized in that the process consisting of outputting the payment information and the winning information on the receipt.

Preferably, the turn number is provided by the customer lottery payment method, characterized in that the customer can be selected irrespective of the number of the turn.

On the other hand, the present invention merchants can provide a separate counting number of each payment day, week, month, and each can be counted by the payment order number group by payment amount, the number of people subject to the lottery according to the customer's choice There is provided a billing customer lottery method, characterized in that each counting differently.

On the other hand, the present invention is provided with a billing customer lottery method characterized in that the merchant can further provide a plurality of times of the settlement number counting opportunity for each characteristic time of the specific day.

On the other hand, the present invention is included in the bar code (including RFID) of each product sold in a large discount mart, including information that can be included in the group by the amount larger than the payment price to count the payment order number when scanning the corresponding barcode, payment order number A counting customer lottery method is provided, characterized in that the counting to be assigned is processed in a larger amount group.

On the other hand, the present invention is to classify the group by the amount of the electronic money using the electronic money, such as cyber money or advertising viewing point secured through the game, and the winner by winning the predetermined number by assigning the order by application point in the group As a result, there is provided a billing customer lottery method, characterized in that the unpaid and accumulated electronic money may be paid as a winnings.

On the other hand, the present invention is the process of generating a payment signal by inputting personal information for receiving the delivery through the ARS in the state connected to the online payment server through the telephone terminal of the payer; The online payment server transmitting the payment information, the purchaser's personal information, and the unique number of the donated home shopping mall to the payment / lottery management server through a data communication network; The payment / lottery management server extracting the return information of the corresponding customer according to the payment price information and the personal information of the card payer and comparing it with the reference count information; If the payment customer is a customer who has returned more than a predetermined number of times of monthly returns, the payment / lottery management server classifies the customer as a customer who cannot receive the counting service in the month and cannot count information. Generating a; If the payment customer is a customer who has returned less than a predetermined number of times of monthly returns, the payment / lottery management server is next to the payment order that has been performed in the group previously classified according to the payment amount of the payment customer. Performing a counting process for assigning a settlement order of the banks; Transmitting, by the payment / lottery management server, the customer's non-winning information to the online payment server when the customer has not won; Outputting, by the online payment server, the corresponding non-winning information (or count service unavailable customer information) to the payer's telephone terminal through ARS; The online payment server generating a credit inquiry and credit settlement request signal of the card to a financial server to perform payment processing; Outputting, by the online payment server, non-winning information (or non-counting information) to the payer's telephone terminal through ARS; On the other hand, if the customer is a person who can provide the count service, and the winner, the payment / lottery management server to settle the final payment price information excluding the winning amount from the payment amount of the customer; Voice outputting the corresponding winning information (winning amount information) to the payer's telephone terminal through the ARS; The online payment server is provided with a billing customer lottery method characterized in that the process consisting of the payment processing of the amount of the winnings subtracted.

On the other hand, the present invention comprises the steps of generating a payment signal by inputting personal information for receiving delivery through the ARS in the state connected to the online payment server from the payer's telephone terminal; Transmitting, by the online payment server, the payment / payment information of the payer, personal information of the buyer, a unique number of the donated home shopping mall, and the return period information of the corresponding product to the payment / lottery management server through a data communication network; The payment / lottery management server specifying a countable date of the corresponding customer in the future according to the payment price information, personal information, and return date information of the card payer, and generating a serial number linked to the countable date information; Registering the serial number together with the customer information and the countable date information; Transmitting, by the payment / lottery management server, the serial number and the countable date information to the online payment server; Performing the payment processing by the online payment server through the customer's credit card; Outputting, by the online payment server, a corresponding serial number, payment information, and count service available date information to a payer's telephone terminal through ARS; A process of authorizing a donated serial number by performing a web connection or an ARS connection from the customer telephone terminal to the payment / lottery management server when a count service available date for the corresponding product purchase arrives; Extracting, by the payment / lottery management server, the personal information and payment information of the corresponding customer previously registered through the serial number, and performing group classification by payment amount based on the payment information; Determining, by the payment / lottery management server, whether or not to win the corresponding customer by counting in the group; If the customer has not won, the payment / lottery management server outputs the corresponding winning information to the payer's telephone terminal via ARS or transmits the received information to the customer's PC; If the customer is a winner, the payment / lottery management server is characterized by consisting of the process of generating the winning amount by generating a request signal for winning the prize to the financial server using the credit card number of the corresponding customer A lottery method for each payment customer is provided.

Preferably, the payment / lottery management server is provided with a billing customer lottery method further comprises the step of executing a count at the time when the purchase decision signal is authorized from the customer phone or customer PC.

Meanwhile, the present invention integrates and accumulates the accumulated amount provided by a plurality of merchants when purchasing a product of a consumer, and when the accumulated amount of the corresponding consumer is exceeded by the consumer's selection for a specific accumulated amount group, the corresponding consumer exceeds the predetermined threshold amount. Recognized as a winner, a lottery method for each payment customer is provided, characterized in that the amount of the prize is discounted or accumulated.

Preferably, the process of the payment / lottery management server to register a specific accumulated amount therein as a winning; Transmitting, by the card payment terminal, card information, a terminal unique number, and payment information to the payment / lottery management server through a data communication network; Determining, by the payment / lottery management server, the accumulated amount according to the corresponding card payment amount information, accumulating the accumulated amount by accumulating the accumulated amount to the previously accumulated amount; Determining, by the payment / lottery management server, whether the accumulated accumulation amount exceeds the previously registered amount by comparing the accumulated accumulation amount accumulated at the time of payment of the corresponding payment customer with the registered amount; If the cumulative reserve exceeds the registered amount, the settlement customer is treated as a winner, and the settlement / lottery management server calculates the final settlement amount information excluding the winning amount from the settlement amount of the corresponding customer, and the winning information (winning amount) Information) to the card payment terminal. Transmitting, by the card payment terminal, payment information from which the corresponding winning amount is subtracted to the electronic authentication server and the financial server to perform payment processing; If the cumulative reserve is less than the pre-registered amount, the payment customer is treated as a winner, and the payment / lottery management server transmits the payment signal and the non-winning information of the payment amount to the card payment terminal. and; The card payment terminal performs a payment processing by transmitting the corresponding payment information to the electronic authentication server and the financial server, and the process of outputting the non-winning information provided from the payment / lottery management server on the receipt sheet Customer lottery method is provided.

Preferably, the cumulative reserve at the time of payment compared to the amount registered as the winning reference amount is provided for the billing customer lottery method characterized in that it includes the amount of credit given by the customer's settlement.

On the other hand, the present invention is a payment / lottery management server to receive and register the information on the BP goods from the POS terminal provided in the large mart; The payment / lottery management server receives the payment information from the POS terminal, extracts the BP product information of the pre-registered corresponding store and compares it with the transmitted payment information, and the payment information for the BP product is included in the corresponding payment information. Judging it; Converting the accumulated amount of each product by the payment / lottery management server; Extracting group information for each accumulated amount and executing a count in the corresponding group; Determining, by the settlement / lottery management server, whether the corresponding payer is a winner by executing a count, and in the case of a winner, subtracting the winning amount and performing payment processing; Transmitting the winning information and payment information to the POS terminal; If there is a remaining accumulated amount, the process of accumulating the remaining accumulated amount; The POS terminal receives the payment information and the winning information from the payment / lottery management server is printed on the receipt and provided to the customer lottery payment method characterized in that the process consisting of providing to the customer.

Preferably, the BP product is provided with a billing customer lottery method characterized in that the event product having a larger conversion rate applied to other products.

On the other hand, the present invention is the payment / lottery management server is authorized for payment information from the card payment terminal (ban terminal) provided in the department store or affiliated stores, the process of calculating the amount of storage for the corresponding payment amount through the corresponding store credit ratio; Extracting, by the payment / lottery management server, group information for each accumulated amount and executing a count in the corresponding group; Determining, by the settlement / lottery management server, whether the corresponding payer is a winner by executing a count; Transmitting and processing the winning information and the payment information to the card payment terminal, and if the remaining accumulated amount exists, processing the accumulated remaining amount; The card payment terminal receives the payment information and the winning information from the payment / lottery management server and prints the paper on a receipt to provide to the customer; In this state, a step of generating an additional count request signal for the corresponding BP product to the payment / lottery management server in a state that does not go through the van server through the merchant PC or a separate input unit through the receipt presented by the customer; Through the execution of the count, the payment / lottery management server determines whether the payer is a winner, and if the winner is the process of accumulating the winnings in the customer's credit card; There is provided a lottery method for the customer's order of payment, characterized in that the process consisting of outputting the screen or page through the merchant PC or a separate input device.

Preferably, when the first payment information is received, even if the BP product is included, the card payment terminal cannot transmit the individual product information, so the payment / lottery management server applies the accumulated rate of the registered merchants as it is and reserves the accumulated amount. There is provided a billing customer lottery method characterized in that processing for operation.

Preferably, the process of generating the additional count request signal is a payment customer sequence number, characterized in that to generate a count request signal for the remaining amount of money by subtracting the accumulated amount of the BP product that performed the initial count from the actual points of the BP product A separate lottery method is provided.

On the other hand, the present invention ARS or PC, the process of transmitting the purchase signal to the payment / lottery management server through the server of the gift voucher issuing a gift certificate by credit card or cash through a separate input device; Determining, by the payment / lottery management server, whether to win by executing a count service based on the corresponding customer information and payment amount information; The payment / lottery management server is a process of performing a discount or earning process by transmitting the corresponding information to the server of the gift voucher issuing is provided a billing customer lottery method.

On the other hand, the present invention transmits the card information and payment information to the payment / lottery management server to be regarded as the lottery object of the order of payment for the payment through the credit card, and the sales receipt whether or not the winning of the credit card was made A card payment terminal provided in the affiliated store for confirming and displaying; An electronic authentication server that receives a credit inquiry request for payment of a credit card from the card payment terminal and performs an authentication process; A financial settlement server which performs payment processing for the credit card that has been authenticated by the electronic authentication server, and is provided at the payment destination of the credit card company; In order to automatically process the reserves from the payment / lottery management server, register the mobile phone number and credit card number in the payment / lottery management server, and enter the setting data for automatic processing of the reserves to generate the automatic processing setting signal Letting customers cellphone; Registered by receiving the customer mobile phone number and point automatic processing setting information, customer credit card number information from the customer mobile phone, payment request signal and card information, payment amount information, customer mobile number or credit card number information from the card payment terminal Receive and automatically classify multiple groups by payment amount unit according to the processing information set by the customer, assign the number according to the payment order number by the corresponding group, check whether the payment order number is a predetermined winning order number, and process the winning process. And it is provided with a billing customer lottery system consisting of a payment / lottery management server for transmitting the corresponding information to the card payment terminal.

Preferably, the payment / lottery management server is provided with a billing customer lottery system, characterized in that the registration process for each merchant information on the phone page to be searchable by the customer mobile phone.

Preferably, the payment / lottery management server includes a gateway (WEB, WAP Gateway) for matching the data transmitted through the web network and the wireless Internet network with the protocol in the server; A connection unit connecting data transmitted through the gateway (WEB, WAP Gateway) with an internal module of the server; An authentication center for authenticating whether the affiliate is an affiliated merchant through a unique number such as a MAC address of a card payment terminal of each affiliated store; A connection detection processor for checking a connection state of the card payment terminal of each affiliated store; A group designation processor for designating a group for each payment amount classified in advance for each payment amount of the customer transmitted from the card payment terminal; A count execution processor for determining a payment order number of a corresponding customer in the group in a state in which a group is designated in the group designation processor according to payment information of the customer authorized from the card payment terminal; An affiliated store cost settlement processor configured to subtract the corresponding winning amount from the payment amount for each customer to settle the payment to be made by the card payment terminal of the affiliated store; A customer information storage unit for registering a mobile phone number and a credit card number for each customer and setting an automatic processing method for each customer; An affiliated store information storage unit configured to register various search category information for each affiliated store so that customers can search for desired affiliated store information through a mobile phone; Stores the unique number of the card payment terminal for each affiliated store and the affiliated merchant information for each unique number, stores the payment sequence numbering information of the group for each payment price, stores the winning information for each group, and the customer advances. A data storage unit for storing the registered winning probability point information; According to the payment price information and the merchant code provided through the gateway from the card payment terminal to confirm whether the affiliates affiliated with the authentication center, and the corresponding customer according to the payment order in the group in the specified group by the payment price Process to confirm whether or not to win, register the winning probability point information selected by the customer in advance, and when the customer's payment signal is approved, extract the winning probability point information of the customer to process the count within the group, Receives the customer's setting signal and registers the setting for automatic deposit processing in association with the customer's mobile phone or credit card number, classifies each merchant's information into a number of search categories and sets the registration to be searchable. Automatically process reserves according to customer-specific information It is provided to the billing customer order by lottery system, wherein the control module is configured.

Preferably, the automatic processing information stored in the customer information storage unit and the setting information to use the entire reserve as a count service; A certain percentage of the total reserves is used as a counting service, and the remaining remaining reserves are set information to be accumulated; Provided is a billing customer lottery system, characterized in that registered as one of the setting information to accumulate all without using the total reserves as a count service.

Preferably, the merchant information storage unit stores the point information (storage information) to be provided for each affiliate store, each merchant location information, telephone number information, sales goods information for each affiliate store, special event information is stored A star lottery system is provided.

On the other hand, the present invention is the process of the payment / lottery management server receives member information and reserve processing setting information, mobile phone number information, credit card number information received from the customer's PC or mobile phone; Transmitting a payment signal including payment amount information and credit card number information from a card payment terminal provided at an affiliated store to the payment / lottery management server; Extracting, by the payment / lottery management server, setting information of the corresponding customer through a mobile phone number or a credit card number of the customer transmitted from the card payment terminal; Processing the customer's points according to preset customer point information processing information by the payment / lottery management server; The payment / lottery management server is provided with a payment customer lottery method characterized in that the process consisting of transmitting the point processing result information to the card payment terminal.

Preferably, the customer-specific point automatic processing information that can be set in the payment / lottery management server and the setting information to use the entire reserve as a count service; A certain percentage of the total reserves is used as a counting service, and the remaining remaining reserves are set information to be accumulated; There is provided a billing customer lottery method, characterized in that it can be set to any one of the setting information to be accumulated all without using the total reserves as a count service.

On the other hand, the present invention is a process for the payment / lottery management server to register affiliate information by searching by sorting the discount information, location information, phone number information, special event information, sales product information by category from the merchant PC or mobile phone and; Transmitting category information and selection signal information for merchant search from the customer mobile phone to the payment / lottery management server; Searching, by the settlement / lottery management server, a specific affiliated store through a corresponding affiliated store search signal; The payment / lottery management server is provided with a billing customer lottery method characterized in that the process consisting of transmitting the search results to the mobile phone, PC of the customer.

Preferably, the process of applying a specific merchant search request signal through a product menu, offer discount rate, local information, etc. from the customer mobile phone to the payment / lottery management server; Transmitting, by the payment / lottery management server, search result information to a customer mobile phone; Receiving, by the payment / lottery management server, an advance reservation request signal (reservation information; number of persons, expected payment amount) from a customer mobile phone; The payment / lottery management server converting the reservation amount through the corresponding pre-booking application information and transmitting it; Receiving, by the payment / lottery management server, the reservation amount of the corresponding customer; Generating, by the payment / lottery management server, points (reserved funds) for the total estimated payment amount of the corresponding customer, and transmitting the generated points to the mobile phone of the corresponding customer; Generating a count service request signal through the payment / lottery management server; Executing a count service by the settlement / lottery management server; Applying a corresponding payment signal from a card payment terminal of a merchant to the payment / lottery management server; Transmitting, by the settlement / lottery management server, a final settlement amount after subtracting the reservation amount; The card payment terminal is provided with a billing customer lottery method characterized in that the process consisting of outputting the payment information and the winning information on the receipt.

Preferably, if the payment / lottery management server is confirmed that the customer is a winner through a payment signal, the step of transmitting the amount information except the reservation amount and the winning amount from the final payment to the card payment terminal further comprises A payment method for each customer is provided.

Preferably, if the signal authorized to the payment / lottery management server is a temporary reservation (假 豫 約) application signal (reservation information; number of people, expected payment amount), the payment / lottery management server (PSLMS) is the temporary reservation ( Iii) receiving the application information and registering the mobile phone number of the customer together with the merchant information and temporary reservation information through a caller identification service (CID); Transmitting, by the card payment terminal, the card number, card information, terminal unique number, and payment information embedded in the credit card (CD) to the payment / lottery management server through a data communication network; Extracting customer information through the credit card number of the customer, and confirming whether the customer is a pre-registered customer; If the customer is a provisional customer, the payment / lottery management server is provided with a billing customer lottery method characterized in that it further comprises the process of creating a contracted provisional reservation point, and executing a count service.

On the other hand, the present invention in order to receive a count service provided by the payment / lottery management server from the delivery company, the receipt provided to the customer payment amount and payment date, authentication number generated by the payment / lottery management server, merchant unique number and There is provided a billing customer lottery system characterized in that the phone number and the name of the merchant is listed.

On the other hand, the present invention is the process of receiving the authentication code generation request signal and the entire payment price information, merchant code from the merchant PC or mobile phone to the payment / lottery management server; Receiving, by the payment / lottery management server, the authentication number generation request signal, the entire payment price information, and the affiliated store code, generating a unique authentication number, and registering the authentication number by interworking with information transmitted from the affiliated store; Outputting, if a merchant PC includes a receipt provided from the payment / lottery management server in a receipt; Transmitting the corresponding authentication number from the customer's PC or mobile phone to the payment / lottery management server; Extracting, by the payment / lottery management server, information connected through the corresponding authentication number; The payment / lottery management server generates a point corresponding to the payment amount, and provides a lottery payment method according to the customer, characterized in that the process consisting of providing a count service using the point.

On the other hand, the present invention is given to the merchant, the process of registering the master card number including the authentication code generation request signal and the entire payment information, merchant code to the electronic authentication server (ban server) and payment / lottery management server; Transmitting the corresponding master card number from the card payment terminal of the affiliated store to the electronic authentication server; Transmitting, by the electronic authentication server, the payment information to the payment / lottery management server without performing an actual payment processing according to a pre-registered operation flow; Receiving, by the payment / lottery management server, the authentication number generation request signal, the total payment price information, and the affiliated store code, generating a unique authentication number, and transmitting the generated unique authentication number to the card payment terminal of the affiliated store; Outputting, if the card payment terminal of the affiliate store the authentication number received from the payment / lottery management server in the receipt; Transmitting the corresponding authentication number from the customer's PC or mobile phone to the payment / lottery management server; Extracting, by the payment / lottery management server, information connected through the corresponding authentication number; The payment / lottery management server generates a point corresponding to the payment amount, and provides a lottery payment method according to the customer, characterized in that the process consisting of providing a count service using the point.

On the other hand, the present invention is a voucher issued by the merchant in the lottery system for payment customers, the name of the merchant, the face value information of the gift certificate, a certain period of time information that can use the point, the point face value information, the serial number of the gift certificate, When the period of use of the points has been exceeded, there is provided a billing customer lottery system characterized in that the interest rate information for each period is described.

On the other hand, the present invention is the process of the payment / lottery management server receives the gift certificate issued information including the gift certificate serial number and face value from the merchant PC or mobile phone; Registering, by the payment / lottery management server, corresponding gift certificate issuing information for each affiliated store; The payment / lottery management server receiving a gift certificate serial number and gift certificate sales information from the affiliated PC or mobile phone; Registering, by the payment / lottery management server, sales information of the corresponding gift certificate and generating points due to the sale of the gift certificate; Starting counting by the payment / lottery management server to calculate a period during which the corresponding point can be used; Transmitting, by the payment / lottery management server, corresponding pre-point information to a customer mobile phone or a PC; Determining, by the payment / lottery management server, whether a point use request signal is applied within a point available date; Providing a counting service when the point use request signal is applied within the point available date by the settlement / lottery management server; If the payment / lottery management server does not receive a point use request signal within a point available period, deducting a point provided in advance and initiating counting to calculate interest rates for each period; When the payment / lottery management server receives the gift certificate use signal from the merchant card payment terminal or the merchant PC, the interest rate counting is stopped, the interest rate is calculated for each period, the corresponding interest rate is converted into points, and the point information is transferred to the merchant. There is provided a billing customer lottery method characterized in that made of a sending process.

Hereinafter, a lottery system for payment customer number using a merchant payment terminal according to a first embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram showing the configuration of a billing customer lottery system according to a first embodiment of the present invention.

Referring to this, the billing customer number-based lottery system according to the first embodiment of the present invention counts the order number of payments for credit and cash payments by the corresponding payment amount group, collects a predetermined percentage of the winners, and collects the winner's payment. It is a system that can give a discount as much as the collected amount.

That is, the lottery system for payment customers according to the first embodiment of the present invention classifies payment payments when the customer makes credit and cash payments at various payment groups such as merchants or department stores, and the payment information of each customer is authorized. When the settlement number is counted for each group of the corresponding payment amount, the system automatically processes the winner for a certain number of times within the group, and discounts the payment amount as much as the winning amount.

The control of payment processing is basically performed at the remote server. If the counting processor of the remote server is embedded in the merchant's payment terminal, the payment can be classified into groups and counted according to the payment order. do.

To this end, in the payment customer lottery system according to the first embodiment of the present invention, the credit card (CD) is in the form of a contactless card such as an RF-IC card or a contact card such as a magnetic card and an IC card. It is used to perform a payment for a certain product purchase or service based on the number and card member information.

In addition, the card payment terminal (A1 ~ An) is installed in a number of issuing companies that issue the credit card (CD), that is, in a number of affiliated merchants that are allowed in credit card companies, department stores, large discount stores, various chain stores, The terminal recognizes the information contained in the credit card (CD) and generates a payment signal for remote electronic authentication. In addition, the card payment terminal (A1 ~ An), even if the buyer of the product does not pay using a variety of cards such as credit card (CD), cash card, debit card, etc. In order to include the buyer, a signal manipulation for inputting a separate payment and requesting a counting service may be performed.

In addition, when the plurality of card payment terminals A1 to An inquire card information of the credit card CD to purchase or pay for a product sold by an affiliated affiliated store where each terminal is installed, If the payment amount by the credit card (CD) is classified into groups, and the number of card payments within the group corresponds to a specific order of the predetermined number of card payments according to the embodiment of the present invention, the winner of the payment order Recognizing that the payment amount is subtracted from the payment amount, the card number and payment history for the card payment is sent to perform the card approval process, and the display of the terminal in real time whether the winnings added according to the card payment Display on the screen and print the winnings.

At this time, if the buyer of the goods presented cash, the merchant selects the cash buyer button of the card inquiry terminal (A1 ~ An), and enter the personal information and payment information, even if the corresponding cash payer by payment group It is desirable to be included in the lottery.

In addition, the card payment terminal (A1 ~ An) provided in a number of affiliated stores can be configured as a separate card payment terminal further includes a PC function in the function of the general credit card terminal, such a case of the card payment terminal In accordance with the will of the merchant, the affiliated store may provide the lottery service by itself, and each merchant may also pay prizes or winnings according to the customer's visit order.

That is, in the case of providing a counting lottery service by the merchant's own event as described above, a memory for storing counting information for each payment group must be provided in the card payment terminals A1 to An, and each payment is provided therein. A counting lottery processor for counting by number must be provided.

In addition, even if the credit card (CD) presented by the product buyer is a non-affiliated credit card, personal information data other than the information such as the card number and sales history is extracted and included in the lottery, or in the same manner as the cash buyer. Be included in the draw. Therefore, the object of the buyer for using the lottery system according to the embodiment of the present invention is not particularly limited, and a wide range of buyers, such as cash buyers, affiliate credit card buyers, non-affiliates, credit card buyers, debit card buyers.

In addition, the electronic authentication server (ES) receives the card number and sales history of the credit card (CD) by data communication with each card inquiry terminal A1 to An installed in a plurality of affiliated stores through a data communication network. This is for transmitting credit card inquiry information and performing payment settlement approval.

In the electronic authentication server (ES), the number of card payments in a group for each payment amount is calculated according to the payment amount information that a plurality of users perform using a credit card (CD) for each card inquiry terminal (A1 to An). When counting reaches a specific number of predetermined card payments, the winner decides in real time on the credit card (CD) corresponding to the specific number of card payments, and the information of the result of the winning is determined through the data communication network. The credit card (CD) that has been won is sent to a predetermined card inquiry terminal. In the figure, the second database DB2 stores a card number for card payment approval of a credit card (CD) possessed by a plurality of users, sales amount information of each approval number, and corresponding card information.

At this time, the resources of the lottery winnings are collected by a certain percentage of the purchase amount of a plurality of buyers from the merchants to the winnings and pays to the buyers of a specific turn, according to the present embodiment. Allowing different winnings to be provided makes it possible to distribute the winnings reasonably.

For example, in the present invention, when a product payment price of a customer who wants to make a payment is 250,000 won, the customer draws a counting draw through group counting information classified as a payment amount of 200,000 to 300,000 won. If you are counted in the order of payment, you will receive more winnings than the customer pays 150,000 won. Because the money of the winnings will be provided with a certain amount of winning reserves from the merchant, such as 1% of the sales, so they have separately accumulated the winning reserves for each payment amount such as 100,000 won, 200,000 won, 300,000 won .... In the state, if the counting for each customer payment order for the lottery proceeds separately for the corresponding group, the winning amount for each payment will be different. Therefore, a customer who purchases more prizes can receive a larger winning amount.

In addition, the financial settlement server (CBS1) is installed in the general management of each credit card company, department store, large discount store, or various chain stores that issue the credit card (CD), and the electronic authentication server through a value-added communication network (VAN). The credit card (CD) received from the (ES) through the card payment of the customer through the card number, sales history information and authorization whether the authentication and credit payment to the buyer is performed.

On the other hand, the financial settlement server (CBS1) from the electronic authentication server (ES) the sales history information from each card inquiry terminal (A1 ~ An) by the payment request of the credit card (CD) possessed by a plurality of users Upon receipt, the payment amount of each user's credit card (CD) is confirmed, and the credit settlement is made.

And, the payment / lottery management server (PSLMS) receives the card information and the sales information provided from the plurality of card payment terminals (A1 ~ An) installed in the merchant and counts the corresponding payment order in the group classified by the payment price in advance The winner is decided. If the buyer or payer wins, it is determined whether or not the issuer (issuing the credit card company, large discount store, department store, etc.) that issued the card is affiliated, and the issuer is affiliated with the Payment / Lottery Management Server (PSLMS). In the case of a company, the server transmits the winning or not to the card payment terminals A1 to An so that the payment for the settlement amount after subtracting the winning proceeds.

In this case, the payout of the winnings may be paid by the buyer reducing the amount of payment to be paid to the issuer (for example, credit card company, large discount store, department store, etc.), and the winnings may be paid to the depositor's deposit account. It can be transferred to, or in the form of reserves, such as reserves or game money of the merchants instead of payouts.

2 is a diagram illustrating a payment counting state of a payment customer number-based lottery system according to a first embodiment of the present invention, and FIG. 3 is a counting amount by payment amount in a payment customer number-based lottery system according to a first embodiment of the present invention. It is a figure which shows the state.

Referring to this, as shown in FIG. 2, the payment / lottery management server (PSLMS) uses the counting information of each group according to the payment amount when paying by credit card (CD) owned by a plurality of users or cash. By designating a group of the customer, and checking the payment order in the group to determine whether the customer wins.

For example, each payment group is classified into a group of 100,000 won, a group of 200,000 won, a group of 300,000 won, and so on. If the 300,000 won group has been in the order of payment until the second, and each 10, 20, 30th payment order customers are pre-determined as a winner, a new payment customer will receive 250,000 won products In case of payment, the winner will be the 10th payment order within the group of 200,000 won. In addition, the resources of each prize money are collected and provided with a certain percentage of each sales, so it is assumed that they are collected by 1% of the sales. The prize money of the 100,000 won group is 100,000 won ㅧ 1% ㅧ 9 people = 9000 ~ 199,990 ㅧ 1% ㅧ 9 people = 17999 won. If the winning numbers are 20th, 40th and 60th, the winning prize in the group will be 18,000 ~ 35,998 won. In other words, one winner per 20 will receive the prize.

In addition, one winner will win 10 winners, and the winners of the 200,000 won group will be 200,000 won, 1%, 9 people = 18,000 ~ 299,990 1%, 9 people = 26999 won. If the winning numbers are 20th, 40th and 60th, the winning prize in the group will be 36,000 ~ 53,998 won.

Therefore, it is preferable that the affiliated stores in which the card inquiry terminals A1 to An are installed pay a certain percentage of the card sales, and use the sum as a resource for the winnings. In addition, the affiliated owner may proceed with a separate event on its own, may further expand the payment ratio that is the source of the winnings, and can freely adjust the target unit of the winning order.

Therefore, by using the lottery system provided by the payment / lottery management server (PSLMS), the buyer may be provided free of charge.

In addition, the payment / lottery management server (PSLMS) is a free card purchase of the merchandise that sells the prize money in the case where the credit card (CD) is issued at a commodity purchase destination such as a department store or a large discount store, etc. Of course, it is also possible to convert to a voucher or gift certificate and provide it.

In the figure, the first database DB1 stores group information for each payment amount and payment order information for each group, including all credit cards (CDs) or cash payments, and the approval of each user secured as a user of the payer. Card use sales amount information, number of winners, information of winning counting, and information on winning amount is stored. In addition, the third database DB3 stores the card number, the subscriber's personal information for each card number, the payment amount for each card number, and payment merchant information.

In addition, the payment / lottery management server (PSLMS) may directly select a payment group for the lottery opportunity for the customer, for example, if the payment amount paid by the customer is 500,000 won, the 100,000 won group by the order numbering service You may be offered five times. Therefore, the payer who paid 500,000 won is provided with 5 times more odds of winning than the payer who paid 100,000 won.

Figure 4 is a block diagram showing the configuration of a payment / lottery management server according to a first embodiment of the present invention.

Referring to this, inside the payment / lottery management server (PSLMS) according to the first embodiment of the present invention, a gateway, a connection unit, an authentication center (AUC), a connection detection processor, a group designation processor, a count execution processor, and a merchant cost settlement processor It consists of data storage and control module.

The gateway (WEB, WAP Gateway: 2a ~ 2n) is a configuration for matching the data transmitted through the web network and the wireless Internet network with the protocol in the server, the connection unit 4 is the gateway (WEB, WAP Gateway: 2a) It is the connecting means for connecting the data transmitted through ～ 2n) with the internal module of the server.

The authentication center (AUC) 6 is a means for authenticating whether the affiliated affiliate is an affiliated affiliate store through a unique number such as the MAC address of each affiliated card payment terminal A1-An, and the connection detecting processor 8a includes: A processor for checking the connection state of the card payment terminals A1 to An of the respective merchants.

In addition, the group designation processor 8b is a processor for designating a group for each payment amount classified in advance for each payment amount of the customer transmitted from the card payment terminals A1 to An, and from the card payment terminals A1 to An. If payment information of a specific customer is authorized, a group corresponding to the payment amount is designated.

The count execution processor 8c performs a payment order of the customer in the group in a state in which the group is designated in the group designation processor 8b according to the payment information of the customer authorized from the card payment terminals A1 to An. Is a processor for determining.

In addition, the merchant cost settlement processor (8d) is a processor for calculating the price to be paid at the card payment terminals (A1 ~ An) of the merchant by subtracting the corresponding winning amount from the payment price for each customer.

The data storage unit 10 stores the unique number of the card payment terminal (A1 ~ An) for each affiliated store and the affiliated merchant information for each unique number, and stores the payment sequence numbering information of the group for each payment price for each group. It is a storage means for storing the winning information for each group.

On the other hand, the control module 12 checks the authentication center (6) whether or not affiliated with the merchant in accordance with the payment information and the merchant code provided through the gateway (2a ~ 2n) from the card payment terminal (A1 ~ An) It is a means for confirming through the check, and whether or not to win the customer according to the payment order in the group in the specified group by the payment price.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the first embodiment of the present invention having the above configuration will be described in detail.

5A and 5B are flowcharts illustrating a signal flow of a billing customer lottery system according to a first embodiment of the present invention.

The billing customer number-based lottery system according to the first embodiment of the present invention is composed of a card payment customer and a cash payment customer, and a signal flow is configured. FIG. 5A is a signal flow for a card payment customer, and FIG. 5B is a cash flow. Signal flow for payment customers.

First, FIG. 5A is a diagram illustrating a process of making a payment using a credit card of a financial company affiliated with the payment / lottery management server (PSLMS), and the payment / lottery management server (PSLMS) displays each payment value therein. Counting by the group of customers by the number of payments proceeded by each group, if a certain card user wants to pay for the purchase price of goods or service use through credit card (CD), Among the card payment terminals A1 to An, payment is attempted through the card payment terminal provided at the place of purchase of the corresponding product or the affiliate of the service.

At this time, the card payment terminal (A1 ~ An) transmits the card number, card information, terminal unique number, payment price information embedded in the credit card (CD) to the payment / lottery management server (PSLMS) through a data communication network The payment / lottery management server (PSLMS) assigns a payment order of a corresponding customer next to a payment order executed in a pre-sorted group according to the payment price information of the card payer.

Through this, the payment / lottery management server (PSLMS) can determine in real time whether the customer is a winner, and if the customer is not won, the card payment terminal (A1 ~ An) to win the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the card payment terminals (A1 ~ An), the card payment terminal (A1 ~ An) transmits the payment signal to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) credits the card to the financial settlement server (CBS1). Generate inquiry and credit request signal.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) to calculate the final payment price information, excluding the winning amount from the payment amount of the customer, the corresponding information (winning amount information) to pay the card Send to terminal A1 ~ An. Then, the card payment terminal (A1 ~ An) transmits the payment information subtracted from the winning prize to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the The financial settlement server CBS1 generates a credit inquiry and credit settlement request signal for the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

Referring to FIG. 5B, the payment / lottery management server (PSLMS) classifies each payment amount into a plurality of groups therein, and performs counting for each payment order of the customer for each group. When the purchase price or payment of the service is to be paid in cash, the merchant owner inputs the corresponding payment information using the card payment terminals A1 to An. Then, the card payment terminal (A1 ~ An) transmits the payment information and the corresponding terminal unique number to the payment / lottery management server (PSLMS).

Then, the payment / lottery management server (PSLMS) assigns the payment order of the customer next to the payment order in progress in the group for each payment unit classified in advance according to the payment price information of the corresponding payer.

Through this, the payment / lottery management server (PSLMS) can check in real time whether the customer is a winner, and if the customer has not won, the card payment terminal (A1 ~ An) of the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the card payment terminals (A1 ~ An), the card payment terminal (A1 ～ An) outputs the corresponding character data when it is included in the cash receipt.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) to calculate the final payment price information, excluding the winning amount from the payment amount of the customer, the corresponding information (winning amount information) to pay the card Send to terminal A1 ~ An. Then, the card payment terminal (A1 ~ An) discounts the payment price through the payment information subtracted the corresponding winnings, and outputs a cash receipt containing the corresponding winning information and payment information.

Hereinafter, a lottery system for payment customer number using a merchant payment terminal according to a second embodiment of the present invention will be described in detail with reference to the accompanying drawings.

6 is a view showing a progress state of the billing customer lottery system according to a second embodiment of the present invention.

Referring to this, the billing customer number-based lottery system according to the second embodiment of the present invention, the customer selects a variety of winning probability at the time of credit settlement and cash payment, collects the winning amount of the predetermined ratio of sales by the corresponding probability of winning, each winning It is a system that selects winners through order number counting for each probability group and gives the winners a discount as much as the collected amount.

In other words, the lottery system for billing customers according to the second embodiment of the present invention is a system in which a customer can select a probability of winning when paying directly. In this case, the probability of winning is counted in a group in which one person is selected as the winner. The customer chooses whether to count in a group that selects one of 30 winners or in a group that selects one of 50 or 100 winners. Is a system for lottery winners. That is, the probability of winning refers to the probability of selecting the number of people to be selected for the lottery, and the probability of winning according to the number of the lottery winners, and 10% of the amount used will be discounted or accumulated to the winner with a probability of winning 10%.

At this time, the cumulative amount of customers accumulating resources before the winner is not 10% of the winner's use amount. It will be almost similar, so you can run the count and pay the winnings in this way.

In such a system, the money of the winnings is provided by earning a predetermined ratio of the revenue of the previously unpaid payers, so if one winner is selected from 10 groups (10% chance of winning) and 20 groups (20% chance of winning) If a winner is selected from), the winning amount will be different. That is, in the case of paying a winner to a settler who reaches a predetermined number by counting one winner among 20 winners in order of payment, more prize money is paid than when the winner is selected and paid out of ten. In other words, 20% of the money used by the winner is paid as a prize money, so that more prize money can be paid. On the other hand, since one of the 20 winners is processed, the probability of winning is lower than the 10% counting group.

In addition, if one of the ten winners is selected, there is an advantage that the probability of winning is higher than that of selecting one of the twenty winners.

At this time, the billing customer number-based lottery system according to the second embodiment of the present invention is to determine the probability of winning in two ways, one of which will be described in the second embodiment below, the other way is shown in the drawings It will be described in advance without reference.

First, the method of determining the probability of winning in the lottery system for payment customer sequence according to the second embodiment of the present invention is to classify the number of lottery subjects by group as in the above description in the probability of winning group selected by the customer from the plurality of groups. Counting is performed by the order of payment, and another method is a method of determining whether or not to win each customer according to the customer selecting a winning probability regardless of the group.

In the second method, if a winner makes a payment with the 10th payment order, assuming that the winner has selected the payment order number as 0, the payer selects a probability of winning 10 winners. If the payer is selected as the winner, and if the probability of winning 20 winners is selected, the payer is the winner. In addition, if the payer is an unwinner, the next payer of the payer becomes the 11th payment order. Therefore, depending on which odds the payer chooses, the payer may be the winner, the non-winner, and if the payer is the non-winner, only one payment order is added and the payment order of the next payer is added. This will be determined.

In the above-described method, a payment group is determined according to the probability of winning, the payment order information for each group is managed, and the payment order number is determined through the collectively authorized payment signals without determining the order number of each payer. It is convenient.

In the case of Figure 6 shows the counting method through the first winning probability selection, for this purpose, a technical configuration as shown in Figure 1 is required.

That is, the credit card (CD) in the billing customer lottery system according to the second embodiment of the present invention in the form of a contactless card such as an RF-IC card, or a contact card such as a magnetic card and IC card, card number And it is used to perform a payment for a predetermined product purchase or service based on the card member information.

In addition, the card payment terminal (A1 ~ An) is installed in a number of issuing companies that issue the credit card (CD), that is, in a number of affiliated merchants that are allowed in credit card companies, department stores, large discount stores, various chain stores, Recognizing the information contained in the credit card (CD) to generate a payment signal for receiving the electronic authentication remotely, it is a terminal for generating any one of the winning probability signal selected by the customer among the number of winning odds. In addition, the card payment terminal (A1 ~ An) may perform a signal operation for the separate payment price input and counting service request so that the buyer can be included in the lottery object presented in the present invention even if the cash payment.

In addition, when the plurality of card payment terminals A1 to An query the card information of the credit card (CD) for the purchase payment of goods sold at the affiliated affiliated stores where the respective terminals are installed or the use of the service, When paying by the credit card (CD), according to the customer's choice is classified by the probability of winning group, if the number of card payment in the group corresponds to a specific sequence of the predetermined number of card payment according to an embodiment of the present invention, the payment Recognizing the number of payers as winners, the card number and sales for card payments are sent to the remaining amount after subtracting the winnings from the payment, and the card approval procedure is performed. It is displayed on the display screen of the terminal in real time, and the winnings are printed.

At this time, if the product buyer presented the cash, the merchant selects the cash buyer button of the card inquiry terminal (A1 ~ An), and enter the personal information and payment information, even if the cash payer selected by the customer It is desirable to be included in the lottery object by probability group.

As described above, in order to provide a counting lottery service through an affiliated event, a memory for storing counting information for each winning probability group selected by the customer must be provided inside the card payment terminals A1 to An. A counting lottery processor for counting by number of payments must be provided.

In addition, even if the credit card (CD) presented by the product buyer is a non-affiliated credit card, personal information data other than the information such as the card number and sales history is extracted and included in the lottery, or in the same manner as the cash buyer. Be included in the draw. Therefore, the object of the buyer for using the lottery system according to the embodiment of the present invention is not particularly limited, and it is widespread such as a cash purchaser, an affiliate credit card buyer, a non-affiliate company, a credit card buyer, a debit card buyer, and the like.

In addition, the electronic authentication server (ES) receives the card number and sales history of the credit card (CD) by data communication with each card inquiry terminal A1 to An installed in a plurality of affiliated stores through a data communication network. This is for transmitting credit card inquiry information and performing payment settlement approval.

In the electronic authentication server (ES), the number of card payments for each winning probability group selected by a customer according to the payment information performed by a plurality of users using a credit card (CD) for each card inquiry terminal (A1 to An). When the number of payments is reached in a specific sequence of the predetermined number of payments, the system determines the winning of the credit card (CD) corresponding to the number of payments of the specific number in real time, and collects the information of the result of the winning data communication network. The credit card (CD), which has been won, is transmitted to a predetermined card inquiry terminal. In the figure, the second database DB2 stores a card number for card payment approval of a credit card (CD) possessed by a plurality of users, sales amount information of each approval number, and corresponding card information.

At this time, the resources of the lottery winnings are collected in a certain proportion of the amount of the purchases of a plurality of buyers from the merchants to the winnings of the winnings to pay to the buyers of a specific turn, in this embodiment according to the probability of winning the customer selected Allowing different winnings to be provided makes it possible to distribute the winnings reasonably.

For example, in the present invention, when the probability of winning selected by the customer who wants to make a payment is 10, a predetermined percentage of the sales generated by 10 payers is earned and paid to one winner, and the probability of winning 20 is compared with the selected payer. You will be paid a smaller prize. However, a payer who chooses a probability of winning 10 has a higher chance of winning.

In addition, the financial settlement server (CBS1) is installed in the general management of each credit card company, department store, large discount store, or various chain stores that issue the credit card (CD), and the electronic authentication server through a value-added communication network (VAN). The credit card (CD) received from the (ES) through the card payment of the customer through the card number, sales history information and authorization whether the authentication and credit payment to the buyer is performed.

On the other hand, the financial settlement server (CBS1) from the electronic authentication server (ES) the sales history information from each card inquiry terminal (A1 ~ An) by the payment request of the credit card (CD) possessed by a plurality of users Upon receipt, the payment amount of each user's credit card (CD) is confirmed, and the credit settlement is made.

In addition, the payment / lottery management server (PSLMS) receives the card information and sales history provided from a plurality of card payment terminals (A1 ~ An) installed in the merchant, the probability of winning information selected by the customer in the group classified by the probability of winning Counts the payment order and determines whether to win. If the buyer or payer wins, it is determined whether the issuer (issuing a credit card company, a large discount store, a department store, etc.) that issued the card is affiliated, and the issuer is affiliated with a payment / lottery management server (PSLMS). In the case of a company, the server is configured to transmit the winning or not to the card payment terminals A1 to An so that the payment for the payment amount after subtracting the winning proceeds.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the second embodiment of the present invention having the above configuration will be described in detail.

7 is a flowchart illustrating a signal flow of a billing customer lottery system according to a second embodiment of the present invention.

First, the payment / lottery management server (PSLMS) separately classifies the payment order information for each winning probability group selected by the customer, and proceeds counting for each payment order for each group. If you want to pay the purchase price or the use of the service through a credit card (CD), you can pay the price through the card inquiry terminal provided in the place of purchase of the product or the merchant of the service among the plurality of card inquiry terminals A1 to An. Attempt payment.

At this time, the card payment terminal (A1 ~ An) in the payment / lottery card data, card information, terminal unique number, payment price information, the probability of winning the customer selected through the data communication network embedded in the credit card (CD) The payment / lottery management server (PSLMS) transmits to the management server (PSLMS), and assigns the payment order of the customer next to the payment order executed in the group classified according to the winning probability information selected by the card payer. .

Through this, the payment / lottery management server (PSLMS) can determine in real time whether the customer is a winner, and if the customer is not won, the card payment terminal (A1 ~ An) to win the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the card payment terminals A1-An, and the card payment terminal. (A1 ~ An) transmits the payment signal to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) credits the card to the financial settlement server (CBS1). Generate inquiry and credit request signal.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) to use the information on the amount of each group, the final payment price information excluding the winning amount from the payment amount of the customer, the corresponding winning Information (winning amount information) is transmitted to the card payment terminals A1 to An.

If the customer selects a 20% chance of winning and wins one of the 20 winners, the payment / lottery management server (PSLMS) determines the amount of the customer's use amount based on the authorized customer's payment information. 20% of the amount used will be calculated as winnings. Therefore, the winnings paid by the payment / lottery management server (PSLMS) are different depending on the amount of use of the corresponding customer even in the same 20% winning probability group. This in turn has the effect of stimulating consumption and ultimately the stimulus effect.

Then, the card payment terminal (A1 ~ An) transmits the payment information subtracted from the winning prize to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial The payment server CBS1 generates a credit inquiry and credit settlement request signal for the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

On the other hand, although not shown in the payment / lottery management server (PSLMS) in the state that does not classify the group by the winning probability selected by the customer, if the payment ranking counting lottery by the winning probability, the card payment terminal (A1 ~ An) The payment / lottery management server (PSLMS) determines whether the corresponding payer is a winner by counting the order of payment for each winning probability according to the payment information and the probability of winning information.

That is, if one payer makes a payment with the tenth payment order while assuming that the winner has selected the payment order number as 0, if the payer selects the probability of winning 10 winners, the payer is the winner. If the winner is selected and the probability of winning 20 winners is selected, the payer becomes the winner. In addition, if the payer is an unwinner, the next payer of the payer becomes the 11th payment order. Therefore, depending on which odds the payer chooses, the payer may be the winner, the non-winner, and if the payer is the non-winner, only one payment order is added to the next billing order. This will be determined.

In this case, if there are 99 winners, if the payer chooses a probability of winning 10 winners (10% chance of winning), the payer will be the 100th winner, and the winner will be treated as the winner. Pay the% as winnings. At this time, the payment / lottery management server (PSLMS) performs information update processing as that there are 90 winners.

Similarly, if the 50th chance of winning (50% chance of winning) is selected, the payment order of the payer will be the 100th, so the winner will be treated as the winner, and 50% of the amount used by the winner will be paid as the winning. At this time, the settlement / lottery management server (PSLMS) performs information update processing, in which there are 50 winners.

In the present invention, the first embodiment and the second embodiment can be used in common. For example, even within a group for each payment amount of the customer, a system for classifying the winning probability group selected by the customer may be separately counted to select a winner and settle a payment accumulated before the occurrence of the corresponding winner.

Hereinafter, a lottery system for payment customer number using a merchant payment terminal according to a third embodiment of the present invention will be described in detail with reference to the accompanying drawings.

8 is a block diagram showing the configuration of a payment / lottery management server according to a third embodiment of the present invention.

Referring to this, the billing customer lottery system using the merchant payment terminal according to the third embodiment of the present invention is a probability of winning that the customer participates in the customer's counting information at the time of payment using the customer PC (see Fig. 12: PC1 ~ PCn) By setting points (eg, 10%, 20% ..... 100%) in advance in the payment / lottery management server (PSLMS), the payment / lottery management server (PSLMS) is automatically applied at the time of the customer's payment. It is a system to extract the group information to the winning probability point (for example, 10%, 20% ... 100%) set without a separate customer selection signal through the count information of the count.

In other words, the probability of winning points (for example, 10%, 20% ..... 100%), for example, if the customer selects 10% probability of winning points, the 9 pre-payment is regarded as the winner, 10th The payer is paid by considering the payer as the winner, and the probability of winning is selected by the customer. At this time, the winnings are paid as winnings to discount or accumulate 10% of the amount used by the customer if the winning probability point is 10%.

At this time, the affiliated store owner provides a predetermined ratio (eg, 1%, 2%, etc.) of the pre-determined sales for each paying customer as a prize money, and the payment / lottery management server (PSLMS) pays the winners with the corresponding money. Done. Thus, although one out of ten winners will occur within the 10% probability of winning points group, the nine winners prior to the winner will not be accumulated and paid to the tenth winner. However, when calculating the average amount of use, average accumulated accumulation amount, and average winning amount of a large number of participating customers, the predetermined ratio becomes the average accumulated amount from the average amount used, and the average accumulated amount is paid to the winners as a source of winnings. Will be.

Therefore, at the time of payment of the customer, the settlement / lottery management server (PSLMS) automatically sets the winning probability points (eg, 10%, 20% ..... 100) without a separate customer selection signal through the customer's count information. Extracting the group information with%) and executing the count is convenient because the customer does not have to make a separate selection.

To this end, in the billing customer lottery system using the merchant payment terminal according to the third embodiment of the present invention, the customer registers the winning probability point information, which is optional information for counting, in advance in the settlement / lottery management server (PSLMS). Customer PCs (see Fig. 12: PC1 to PCn) are provided.

In addition, by registering the count information (winning probability point) for each customer authorized from the customer PC (see Fig. 12: PC1 ~ PCn), according to the customer's payment signal transmitted from the merchant terminal (A1 ~ An) of the customer Extract the pre-registered count information and automatically run the count within the corresponding winning probability point group (10%, 20%, ... 100% group) to process the winners, pay the winnings or pay the discount. The payment / lottery management server (PSLMS) for providing information is provided.

As shown in the figure, the payment / lottery management server (PSLMS) includes a gateway, a connection unit, an authentication center (AUC), a connection detection processor, a group designation processor, a count execution processor, a merchant cost settlement processor, and a customer It consists of a count information setting processor, a data storage unit, and a control module.

The gateway (WEB, WAP Gateway: 2a ~ 2n) is a configuration for matching the data transmitted through the web network and the wireless Internet network with the protocol in the server, the connection portion 4 is the gateway (WEB, WAP Gateway: 2a) It is the connecting means for connecting the data transmitted through ～ 2n) with the internal module of the server.

The authentication center (AUC) 6 uses a unique number such as the MAC address of each merchant's card payment terminals A1 to An to determine whether the affiliate is an affiliated affiliated store or to customer information transmitted from the customer's PC (PC1 to PCn). Means for authenticating which customer, and the connection detecting processor 8a is a processor for checking the connection state between the card payment terminals A1 to An of the respective merchants and the PCs PC1 to PCn of the customer.

In addition, the group designation processor 8b is a processor for designating a group for each payment amount classified in advance for each payment amount of the customer transmitted from the card payment terminals A1 to An, and from the card payment terminals A1 to An. If payment information of a specific customer is authorized, a group corresponding to the payment amount is designated.

The count execution processor (8c) is a group in the group designation processor (8b) according to the payment information of the customer authorized from the card payment terminal (A1 ~ An), the count information (winning probability point) preset by the customer In the specified state, the processor for determining the payment order of the customer in the group.

In addition, the merchant cost settlement processor (8d) is a processor for calculating the price to be paid at the card payment terminals (A1 ~ An) of the merchant by subtracting the corresponding winning amount from the payment price for each customer. The customer-specific count information setting processor 8e is a processor for registering the winning probability point information selected by the customer through a web network through a customer PC (PC1 to PCn). It is a means for extracting the winning probability point information registered in advance and processing so that the count can be executed in the group of the winning probability point.

The data storage unit 10 stores the unique number of the card payment terminal (A1 ~ An) for each affiliated store and the affiliated merchant information for each unique number, and stores the payment sequence numbering information of the group for each payment price for each group. It is a storage means for storing the winning information for each group, and store the winning probability point information (10% group, 20% group ... 100% group) registered in advance by the customer.

On the other hand, the control module 12 checks the authentication center (6) whether or not affiliated with the merchant in accordance with the payment information and the merchant code provided through the gateway (2a ~ 2n) from the card payment terminal (A1 ~ An) Process to check whether the customer wins or not according to the order of payment in the group while the group for each payment amount is designated, and registers the winning probability point information selected by the customer in advance, and then the customer's payment signal is approved. Extracting the probability point information of the customer is a means for processing to execute the count in the group.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the third embodiment of the present invention having the above configuration will be described in detail.

9 is a flowchart illustrating a signal flow of a billing customer lottery system according to a third embodiment of the present invention.

First, the payment / lottery management server (PSLMS) separately classifies the payment order information for each winning probability group selected by the customer, and proceeds counting for each payment order for each group. If you want to pay the purchase price or the use of the service through a credit card (CD), you can pay the price through the card inquiry terminal provided in the place of purchase of the product or the merchant of the service among the plurality of card inquiry terminals A1 to An. Attempt payment. At this time, since the customer can set the winning probability point group information in the payment / lottery management server (PSLMS) through the web network in advance, the payment / lottery management server (PSLMS) in advance without actually generating a separate selection signal at the time of payment The settlement / lottery management server (PSLMS) is able to automatically count through the probability point group information of registered customers.

At this time, the card payment terminal (A1 ~ An) transmits the card number, card information, terminal unique number, payment price information embedded in the credit card (CD) to the payment / lottery management server (PSLMS) through a data communication network The payment / lottery management server (PSLMS) is able to execute counting by searching the DB for the cardholder's information and extracting the winning probability point group information registered in advance.

In other words, the probability of winning points (for example, 10%, 20% ..... 100%), for example, if the customer selects 10% probability of winning points, the 9 pre-payment is regarded as the winner, 10th The payer is paid by considering the payer as the winner, and the probability of winning is selected by the customer. In this case, the winnings are paid as winnings to discount or accumulate 10% of the amount used by the customer if the winning probability point is 10%.

Therefore, when the customer registers and sets the winning probability point group information in advance in the payment / lottery management server (PSLMS), even when the customer does not generate a separate selection signal through the merchant terminals A1 to An during the actual payment, The payment / lottery management server (PSLMS) may automatically execute the count by extracting the winning probability point group information of the registered customer.

Through this, the payment / lottery management server (PSLMS) can determine in real time whether the customer is a winner, and if the customer is not won, the card payment terminal (A1 ~ An) to win the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the card payment terminals (A1 ~ An), the card payment terminal (A1 ~ An) transmits the payment signal to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) credits the card to the financial settlement server (CBS1). Generate inquiry and credit request signal.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt.

On the other hand, if the customer is the winner, the payment / lottery management server (PSLMS) using the information on the amount of each group, the final payment price information, except the winning amount from the payment amount of the customer, and the corresponding The winning information (winning amount information) is transmitted to the card payment terminals A1 to An.

If the customer selects a 20% chance of winning and wins one of the 20 winners, the payment / lottery management server (PSLMS) determines the amount of the customer's use amount based on the authorized customer's payment information. 20% of the amount used will be calculated as winnings. Therefore, the winnings paid by the payment / lottery management server (PSLMS) are different depending on the amount of use of the corresponding customer even in the same 20% winning probability group. This in turn has the effect of stimulating consumption and ultimately the stimulus effect.

Then, the card payment terminal (A1 ~ An) transmits the payment information subtracted from the winning prize to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial The payment server CBS1 generates a credit inquiry and credit settlement request signal for the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

On the other hand, although not shown in the payment / lottery management server (PSLMS) when the customer does not classify the group selected by the probability of winning, the payment ranking counting lottery by the probability of winning, the card payment terminal (A1 ~ An The payment / lottery management server (PSLMS) determines whether the corresponding payer is a winner by counting the order of payment for each winning probability according to the payment information and the probability of winning information.

That is, if one payer makes a payment with the tenth payment order while assuming that the winner has selected the payment order number as 0, if the payer selects the probability of winning 10 winners, the payer is the winner. If the winner is selected and the probability of winning 20 winners is selected, the payer becomes the winner. In addition, if the payer is an unwinner, the next payer of the payer becomes the 11th payment order. Therefore, depending on which odds the payer chooses, the payer may be the winner, the non-winner, and if the payer is the non-winner, only one payment order will be added to the next payer. Will be decided.

In this case, if there are 99 winners, if the payer chooses a probability of winning 10 winners (10% chance of winning), the payer will be the 100th winner, and the winner will be treated as the winner. Pay the% as winnings. At this time, the payment / lottery management server (PSLMS) performs information update processing as that there are 90 winners.

Similarly, if the 50th chance of winning (50% chance of winning) is selected, the payment order of the payer will be the 100th, so the winner will be treated as the winner, and 50% of the amount used by the winner will be paid as the winning. In addition, the payment / lottery management server (PSLMS) at this time performs an information update process with 50 winners.

In the present invention, the first embodiment and the second embodiment can be used in common. For example, even within a group for each payment amount of the customer, a system for classifying the winning probability group selected by the customer may be separately counted to select a winner and settle a payment accumulated before the occurrence of the corresponding winner.

FIG. 10 is a diagram illustrating a customer selection signal generation state of a payment customer lottery system according to a fourth embodiment of the present invention.

Referring to this, Figure 10 is a billing customer lottery system according to a fourth embodiment of the present invention is a system that allows the billing customer to select the winnings and discounts, interest-free installment as a winning reward through this system. In other words, the customer can choose a variety of compensation for their winnings at the time of payment bar, the probability of winning is low in the case of earning and discount, but the amount is large, in the case of interest-free installment payment of the installment fee payment / lottery management server The amount of the installment fee is relatively small compared to the winnings, so the chances of winning are high.

In the case of saving and discounting has been described in another embodiment, further detailed description will be omitted, in this embodiment will be described as interest-free installment in the form of payment of winnings.

In the case of interest-free installment, a processor (not shown) for counting interest-free installment groups in the payment / lottery management server (PSLMS) is built in, and group information previously classified through the processor is linked.

That is, while the customer information and the payment information selected for the interest-free installment are transmitted to the payment / lottery management server (PSLMS), the payment / lottery management server (PSLMS) performs a count for each customer order, so that the payment customer for the interest-free installment is selected. One person per given name will be the winner, and the winner will be paid as a prize-free installment service.

At this time, the payment / lottery management server (PSLMS) can be divided into a plurality of groups of payment customers that count for interest-free installment therein, each count can be performed separately, for example, three months interest-free installment, five months interest-free installment It is classified into a number of interest-free installment groups, such as 12 months interest-free installments, and counts within the group according to the payment customer's choice. In other words, payment customers who choose a three-month interest-free installment are classified into the same group and count one person as three winners, and payment customers who select a five-month interest-free installment are classified into the same group and one person per five people counts as a winner. For example, payment customers who choose a 12-month interest-free installment can be categorized into the same group and count one winner per 12 winners.

Under such a system, the affiliated store provides a predetermined ratio of the sales paid by the corresponding payment customer to the payment / lottery management server (PSLMS), and the payment / lottery management server (PSLMS) is linked with a credit card company to pay the payment product of the corresponding customer. The payment fee shall be settled to pay the installment fee incurred during interest-free installment payment to the credit card company.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the fourth embodiment of the present invention having the above configuration will be described in detail.

11 is a flowchart illustrating a signal flow of a payment customer lottery system according to a fourth embodiment of the present invention.

First, the payment / lottery management server (PSLMS) is to classify the interest-free installment information and interest-free group for each group selected by the customer therein and automatically extract the corresponding group when the customer pays to count the sequence number of the payer in the group F. When a predetermined card user wishes to pay for a purchase price of a product or a use price of a service through a credit card (CD), the card purchase terminal (A1 to An) among a plurality of card inquiry terminals (A1 to An) may be used to purchase a product or a merchant. Attempt to pay through the provided card inquiry terminal.

At this time, the card payment terminal (A1 ~ An), the card number, card information, terminal unique number, payment price information, interest-free installment information selected by the customer through the data communication network The payment / lottery management server (PSLMS) transmits to the management server (PSLMS), and assigns the payment order of the customer next to the payment order executed in the group classified according to interest-free installment information selected by the card payer. .

Through this, the payment / lottery management server (PSLMS) can determine in real time whether the customer is a winner, and if the customer is not won, the card payment terminal (A1 ~ An) to win the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the second number, the front number of the winner." To the card payment terminal (A1 ~ An), the card payment terminal (A1 ~ An) transmits the payment signal to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial settlement server (CBS1) of the card Generates a credit inquiry and credit settlement request signal.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management If the receipt information (no interest installment information) provided from the server (PSLMS) is printed on the receipt.

On the other hand, if the customer is the winner, the payment / lottery management server (PSLMS) using the interest-free installment winning information for each group, the payment information and the corresponding information (winning amount information) of the customer the card Send to payment terminal A1-An.

Then, the card payment terminal (A1 ~ An) transmits the payment information along with the interest-free installment information winning the electronic authentication server (ES) to make a request for approval through a credit inquiry, the electronic authentication server (ES) The financial settlement server (CBS1) generates a credit inquiry, credit settlement request, interest-free installment request signal of the card.

Further, the financial settlement server CBS1 performs interest-free installment processing of the corresponding customer, and simultaneously transmits payment information of the corresponding customer to the card payment terminals A1 to An, and the card payment terminals A1 to An In addition to the payment information, the payment information (Louis Interest installment information) provided from the payment / lottery management server (PSLMS) is printed on the receipt. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

At this time, although not shown, the payment / lottery management server (PSLMS) may allow the customer to select specific interest-free installment information through the card payment terminals (A1 ~ An) provided in the affiliated store, the payment / The lottery management server (PSLMS) can classify the interest-free group into a 3-month interest-free group, a 5-month interest-free group, and a 12-month interest-free group, and allow the customer to count within the interest-free group selected by the customer.

In other words, payment customers who choose a three-month interest-free installment are classified into the same group and count one person as three winners, and payment customers who select a five-month interest-free installment are classified into the same group and one person per five people counts as a winner. For example, payment customers who choose a 12-month interest-free installment can be categorized into the same group and count one winner per 12 winners.

Hereinafter, a lottery system for payment customer number using a merchant payment terminal according to a fifth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

12 is a schematic diagram schematically showing the configuration of a billing customer lottery system according to a fifth embodiment of the present invention.

Referring to this, the lottery system for payment customers according to the fifth embodiment of the present invention is specified through payment counting within a group grouped by each product sales amount or a probability of winning selected by a customer even in an online shopping mall, mobile payment, or ARS payment. It is a system that selects the winner and discounts the settlement amount, and selects the probability of winning by the customer to determine the size of the group.

Hereinafter, only the system for performing payment sequence counting within a group by product sales amount in an online shopping mall will be described. Since the mobile payment, ARS payment, or payment sequence counting for each winning probability has been described in advance, it will be omitted.

To this end, the payment customer number-based lottery system according to a fifth embodiment of the present invention has a key button for generating a payment signal and authorized authentication information, and a web browser therein while remotely transmitting the corresponding information. There is provided a payer's PC (PC1 ~ PCn) equipped with a communication module for, and is built in an online shopping mall, receiving a payment request signal from the payer's PC (PC1 ~ PCn) to the payment price information of the product There are provided online payment servers PS1 to PSn which transmit to their PCs PC1 to PCn and perform payment processing by a payment processor (not shown) provided therein.

In addition, the payment customer lottery system according to the fifth embodiment of the present invention credits the price of goods by the payment information transmitted from the PC (PC1 ~ PCn) of the payer through the online payment server (PS1 ~ PSn) A financial server CBS1 that performs payment processing is provided.

In addition, the payment customer lottery system according to the fifth embodiment of the present invention receives the payment price information, the payer information, the donated online shopping mall unique number information from the online payment server (PS1 ~ PSn), and classified in advance A payment / lottery management server (PSLMS) is provided that counts the corresponding payment sequence within the group for each payment amount and determines whether or not to win the prize, and the first database (DB1) provided in the payment / lottery management server (PSLMS). In the pre-classified payment order information of the group by payment price, unique number information of the online shopping mall, the winner information, and the like are stored.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the fifth embodiment of the present invention having the above configuration will be described in detail.

13A is a flowchart illustrating a signal flow of a billing customer lottery system according to a fifth embodiment of the present invention.

First, the payment / lottery management server (PSLMS) assigns each payment amount to a group consisting of a plurality of money units therein, and performs counting for each customer's payment order for each group. The payment signal is generated while connected to the online payment servers PS1 to PSn through the PC (PC1 to PCn) of the payer.

Then, the online payment server (PS1 ~ PSn) transmits the payment price information of the corresponding payer, the unique number of the donated online shopping mall to the payment / lottery management server (PSLMS) through the data communication network, the payment / lottery The management server (PSLMS) assigns the payment order of the customer next to the payment order in advance in the group classified according to the payment price information of the card payer.

Through this, the payment / lottery management server (PSLMS) can check in real time whether the customer is a winner, and if the customer is not won, the online payment server (PS1 ~ PSn) of the customer's missing information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the online payment server (PS1 ~ PSn), the online payment server (PS1 ~ PSn) transmits the corresponding winning information to the payer's PC (PC1 ~ PCn).

The online payment servers PS1 to PSn generate credit inquiry and credit settlement request signals of the card to the financial server CBS1. Then, the financial server (CBS1) performs the credit settlement process of the corresponding biller, and transmits the payment information of the customer to the online payment server (PS1 ~ PSn), the online payment server (PS1 ~ PSn) is corresponding payment information In addition, the winning information received from the payment / lottery management server (PSLMS) is transmitted to the payer PC (PC1 ~ PCn) to output the screen.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) to calculate the final payment price information, excluding the winning amount from the payment amount of the customer, the corresponding information (winning amount information) to the online payment Send to server (PS1 to PSn). Then, the online payment server PS1 to PSn generates the credit inquiry and credit settlement request signal of the corresponding card to the financial server CBS1.

And, the financial server (CBS1) transmits the payment information of the customer to the online payment server (PS1 ~ PSn), the online payment server (PS1 ~ PSn) together with the payment information, the payment / lottery management server Transfer the winning information provided from (PSLMS) to the payer's PC (PC1 ~ PCn) and print it out. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

13B and 13C are flowcharts illustrating a signal flow of a billing customer lottery system according to a fifth embodiment of the present invention.

First, in the case of Figure 13b and 13c is a flowchart showing the counting process of the customer through the ARS, in the case of ARS buyers or web buyers, including home shopping, instead of purchasing the product directly offline, TV or PC The return rate is high because the user purchases the product while watching the image transmitted.

Therefore, in the case of the return, the amount of the predetermined percentage of the sales provided by the merchant at the time of payment, which is the source of the winnings, should be settled back to the corresponding merchant, so it is difficult for the customer who has the possibility of return to provide the winning count service. Therefore, a counting process is needed to exclude the possibility of return, which will be described with reference to FIGS. 13B and 13C.

First, in FIG. 13B, only a purchaser whose return count is more than the reference number of times on a monthly or annual basis does not provide a counting service in the month as a penalty for the return.

More specifically, the payment / lottery management server (PSLMS) is assigned to the group consisting of a plurality of payment units each payment price therein and proceeds counting by the customer's payment order for each group, a predetermined home shopping product In the state in which the payer is connected to the online payment server (PS1 to PSn) through the payer's telephone terminal (not shown), the payment signal is generated by inputting personal information for delivery through the ARS.

Then, the online payment server (PS1 ~ PSn) is sent to the payment / lottery management server (PSLMS) through the data communication network, the payment price information, the buyer's personal information, the unique number of the donated home shopping mall, The payment / lottery management server (PSLMS) extracts return information of the corresponding customer according to the payment price information and the personal information of the corresponding card payer and contrasts it with the reference count information.

If the payment customer is a customer who has returned more than a predetermined number of times of monthly returns, the payment / lottery management server (PSLMS) is a customer who cannot receive the counting service in the month. If the payment customer is a customer who has returned less than a predetermined number of times of monthly returns, the payment / lottery management server (PSLMS) is classified in advance according to the payment amount of the corresponding payment customer. The counting process of assigning the settlement order of the customer is performed next to the settlement order in progress in the group.

Through this, the payment / lottery management server (PSLMS) can check in real time whether the customer is a winner, a customer who can not count services, the countable customer, but if the customer has not won the online payment server (PS1) ～ PSn) transmits the customer's unwinning information. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the online payment server (PS1 ~ PSn), the online payment server (PS1 ~ PSn) outputs the corresponding winning information (or customer information with no count service) to the payer's telephone terminal (not shown) through ARS.

The online payment servers PS1 to PSn generate credit inquiry and credit settlement request signals of the card to the financial server CBS1. Then, the financial server (CBS1) performs the credit settlement process of the corresponding biller, and transmits the payment information of the customer to the online payment server (PS1 ~ PSn), the online payment server (PS1 ~ PSn) is corresponding payment information In addition, the non-winning information (count non-counting information) provided from the payment / lottery management server (PSLMS) is voice output to the payer's telephone terminal (not shown) through the ARS.

On the other hand, if the customer is a person who can provide the counting service, and the winner, the payment / lottery management server (PSLMS) is settled the final payment price information excluding the winning amount from the payment amount of the customer, the corresponding winning information (winning Amount of information) is voice output to the payer's telephone terminal (not shown) through the ARS. Then, the online payment server PS1 to PSn generates the credit inquiry and credit settlement request signal of the corresponding card to the financial server CBS1.

And, the financial server (CBS1) transmits the payment information of the customer to the online payment server (PS1 ~ PSn), the online payment server (PS1 ~ PSn) together with the payment information, the payment / lottery management server The winning information provided from the (PSLMS) is output to the payer's telephone terminal (not shown) through the ARS. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

In addition, in the case of FIG. 13C, a method of providing a count service to a corresponding customer after a return period of a home shopping product is exceeded, or a count service after a purchase decision signal is generated after the customer receives the product, will be described. .

First, a process of providing a counting service to a corresponding customer after a return period of home shopping goods is exceeded as shown in the drawing will be described.

The payment / lottery management server (PSLMS) classifies each payment into a group consisting of a plurality of money units and proceeds counting of each customer's payment order for each group. In the state of being connected to the online payment server (PS1 ~ PSn) through the payer's telephone terminal (not shown) to enter the personal information for delivery through the ARS to generate a payment signal.

Then, the online payment server (PS1 ~ PSn) is the payment / lottery management server of the payment information, the buyer's personal information, the unique number of the donated home shopping mall, the return period information of the product through the data communication network ( PSLMS), and the payment / lottery management server (PSLMS) designates a countable date of the corresponding customer in the future according to the payment price information, personal information, and return date information of the card payer, and the countable date information Generate the associated serial number and register the serial number with customer information and countable date information.

In addition, the payment / lottery management server (PSLMS) transmits the serial number and the countable date information to the online payment server (PS1 ~ PSn). Then, the online payment server (PS1 ~ PSn) performs the payment processing through the customer's credit card, and outputs the count service available date information along with the payment information to the payer's telephone terminal (not shown) through the ARS. .

At this time, when the customer can enter the donated serial number by performing a web connection or ARS connection to the payment / lottery management server (PSLMS) due to the arrival of a count service available date for the corresponding product purchase, the payment / lottery management server (PSLMS) extracts the personal information and payment information of the registered customer through the serial number, and classifies the payment by group based on the payment information.

The payment / lottery management server (PSLMS) performs a count in the group to determine whether the customer wins.

Through this, the payment / lottery management server (PSLMS) can check in real time whether the customer is a winner, and if the customer is not won, the corresponding winner information is sent to the payer's telephone terminal (not shown) through ARS. The voice is output or sent to the customer's PC for output.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) generates the winnings by generating a winning request signal to the financial server (CBS1) using the winnings credit card number of the corresponding winnings Do it.

Hereinafter, although not shown, a description will be given of a method of providing a count service after the customer receives a product and generates a purchase decision signal.

First, the payment / lottery management server (PSLMS) assigns each payment amount to a group consisting of a plurality of money units therein, and performs counting for each customer's payment order for each group. In the state in which the self is connected to the online payment server (PS1 to PSn) through the payer's telephone terminal (not shown), the personal information is input to generate a payment signal through the ARS.

Then, the online payment server (PS1 ~ PSn) is the payment / lottery management server of the payment information, the buyer's personal information, the unique number of the donated home shopping mall, the return period information of the product through the data communication network ( PSLMS), the payment / lottery management server (PSLMS) generates a serial number associated with the payment information of the card payer, and registers the serial number with the customer information.

And, the payment / lottery management server (PSLMS) transmits the serial number information to the online payment server (PS1 ~ PSn). Then, the online payment server (PS1 ~ PSn) performs the payment processing through the customer's credit card, and outputs the serial number information along with the payment information to the payer's telephone terminal (not shown) through the ARS.

At this time, after the customer has received the goods, if a purchase decision signal for the goods is generated to the online payment servers PS1 to PSn using a web connection or ARS through a telephone terminal, the online payment server PS1 to PSn) transmits the purchase decision information of the customer to the payment / lottery management server (PSLMS).

After that, when the customer enters the donated serial number by making a web connection or ARS connection to the payment / lottery management server (PSLMS), the payment / lottery management server (PSLMS) is based on the serial number. Personal information, payment information, and product purchase decision information of the registered customer are extracted, and the group is classified according to the payment amount based on the payment information.

The payment / lottery management server (PSLMS) counts within the group to determine whether the customer wins.

Through this, the payment / lottery management server (PSLMS) can check in real time whether the customer is a winner, and if the customer is not won, the corresponding winner information is sent to the payer's telephone terminal (not shown) through ARS. The voice is output or sent to the customer's PC for output.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) generates the winnings by generating a winning request signal to the financial server (CBS1) using the winnings credit card number of the corresponding winnings Do it.

Hereinafter, a lottery system for payment customer number using a merchant payment terminal according to a sixth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

14 is a schematic diagram showing a schematic configuration of a billing customer lottery system according to a sixth embodiment of the present invention.

Referring to this, the billing customer lottery system according to the sixth embodiment of the present invention, when a financial settlement event such as deposits, deposits, loans, remittances, insurance subscription, etc. occurs, the corresponding financial product is sold by each financial company according to the corresponding event occurrence number. It is a system that discounts interest, various fees, loans and insurance premiums by collecting a certain percentage of commissions generated at the time of each case by setting a specific event sequence number as a winner for each group grouped by sales amount of each product.

In the case of loans (or deposits), the billing customer lottery system according to the sixth embodiment of the present invention groups loan interests and loan principals by loan amount and is grouped by each loan amount unit at the time of loan occurrence. By assigning a winner by counting the sequence number, the loan interest rate and loan principal can be readjusted.

In this case, the payment customer lottery system according to the sixth embodiment of the present invention generates a loan therein and transmits a loan product sale signal and loan amount information to a remote payment / lottery management server (PSLMS). The financial settlement server (CBS1 ~ CBSn) is provided, and receives the loan amount information, loan applicant information, and donor financial company identification number information from the financial settlement server (CBS1 ~ CBSn), within the group by pre-classified loan amount A payment / lottery management server (PSLMS) is provided that counts the corresponding payment order, determines whether to win the prize, and performs a discount settlement process according to the interest discount rate or the loan principal discount rate previously specified by the financial institution.

In addition, the billing customer lottery system according to the sixth embodiment of the present invention, in the case of insurance, is grouped by insurance amount, and the order number is grouped by each insurance amount unit at the time of insurance or transfer of insurance money. By counting and designating a winner, insurance premiums can be discounted separately.

If this is the case, the payment customer lottery system according to the sixth embodiment of the present invention sells the insurance product therein, insurance product sales signal and insurance amount information, monthly to the remote payment / lottery management server (PSLMS) An insurance company server (not shown) for transmitting payment information is provided, and receives customer information, insurance company information, insurance subscription amount information, and monthly payment information from the insurance company server, and counts a corresponding payment order within a group classified by insurance amount. And a payment / lottery management server (PSLMS) for determining whether to win the prize and for performing insurance payment amount discount settlement processing designated by the insurance company in advance.

The billing customer lottery system according to the sixth embodiment of the present invention counts a fee to be paid to the financial company when processing various financial affairs, such as money transfer and currency exchange, by counting the order according to an event occurrence such as each money transfer and currency exchange. In this case, a plurality of groups are formed on the basis of each remittance or exchange amount, and counting of each event occurrence sequence is performed within the group.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the sixth embodiment of the present invention having the above configuration will be described in detail.

15A and 15B are flowcharts illustrating a signal flow of a billing customer lottery system according to a sixth embodiment of the present invention.

First, FIG. 15A is a diagram illustrating a sequence counting process when a loan or a deposit product is sold. The settlement / lottery management server (PSLMS) classifies each loan (deposit) amount into a group consisting of a plurality of amount units, and counts the sequence number of each occurrence point of each event when a loan or deposit event occurs. As a result, a loan event signal is generated from the financial settlement servers CBS1 to CBSn that process a predetermined loan or deposit product.

Then, the financial settlement server (CBS1 ~ CBSn) transmits the information on the loan amount of the borrower, the unique number of the donated financial company to the payment / lottery management server (PSLMS) through the data communication network, the payment / lottery management server (PSLMS) assigns the settlement order of the customer after the settlement order in advance in the group classified according to the borrower's loan amount information.

Through this, the payment / lottery management server (PSLMS) can check in real time whether the customer is a winner, and if the customer is not won, the financial settlement server (CBS1 ~ CBSn) to win the customer's missing information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the financial settlement server (CBS1 ~ CBSn), the financial settlement The server CBS1-CBSn transmits the corresponding winning information to the payer.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) extracts adjustment information for adjusting the loan interest rate or loan principal of the customer according to the interest discount rate or loan principal discount rate previously specified by the financial institution. Then, the winning information (winning amount information) is transmitted to the financial settlement server (CBS1 ~ CBSn). Then, the financial settlement server (CBS1 ~ CBSn) informs the buyer of the financial product loan interest rate information or loan principal adjustment information adjusted by the winnings. Therefore, the settlement / lottery management server (PSLMS) updates the information of the winner's payment number to zero when the winner occurs.

On the other hand, the billing customer number-based lottery system using the merchant payment terminal according to the sixth embodiment of the present invention can be applied to the insurance product counting by payment order number, each group of a plurality of groups classified by monthly payments at the time of payment Benefits can be discounted by counting each payment order separately.In the case of lump-sum insurance such as auto insurance, the benefit is paid by counting each payment order by a number of groups classified by car insurance amount at the time of payment. Discounts can be made.

15B is a flowchart showing counting of remittance signals in order of remittance processing according to the present invention. First, when a remitter generates a remittance signal (transfer signal) through internet banking or telebanking through a remitter's PC (not shown), the financial settlement server CBS1 to CBSn transmits the corresponding transfer information, transfer amount information, and transfer fee. Send the information to the payment / lottery management server (PSLMS).

Then, the payment / lottery management server (PSLMS) receives the corresponding information, and counts each group pre-sorted by each transfer amount to check whether the remitter is the winner. And, the payment / lottery management server (PSLMS) transmits the winner information to the financial settlement server (CBS1 ~ CBSn). Then, the financial settlement server (CBS1 ~ CBSn) notifies that the fee reduction through the corresponding sender PC (not shown) or the sender's telephone terminal. Then, a transfer signal is generated to the financial servers CB1 to CBn.

Of course, in case of such insurance products, the payer can select the probability of winning by selecting one of a plurality of groups, such as a group with one winner out of ten or a group with one winner out of twenty. do.

Hereinafter, a lottery system for payment customer number using a merchant payment terminal according to a seventh embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 16 is a diagram illustrating a data flow of a billing customer lottery system according to a seventh embodiment of the present invention.

Referring to this, the billing customer number-based lottery system according to the seventh embodiment of the present invention collects the winning amount of a predetermined ratio of sales, and selects whether the customer is a positive count or a reverse count at the time of credit settlement and cash settlement, and each settlement It is a system that selects the winners by proceeding the order of payment according to the count direction selected by the customer for each group according to the price, and gives the winners a discount or a reserve equal to the collected amount.

Referring to the drawings, the billing customer number-based lottery system according to the fifth embodiment of the present invention generates a signal for selecting a reverse count at the time of payment by the paying customer 1 whose payment order is designated as the 19th order, by the corresponding signal. The payment customer is assigned the order of payment as the 18th order, and the next other payment customer 2 is determined as the 17th order, so that the probability of winning can be changed according to the customer's choice.

For this purpose, a technical configuration as shown in FIG. 1 is required.

That is, in the payment customer lottery system according to the seventh embodiment of the present invention, the credit card (CD) is in the form of a contactless card such as an RF-IC card or a contact card such as a magnetic card and an IC card. And it is used to perform a payment for a predetermined product purchase or service based on the card member information.

In addition, the card payment terminal (A1 ~ An) is installed in a number of issuing companies that issue the credit card (CD), that is, in a number of affiliated merchants that are allowed in credit card companies, department stores, large discount stores, various chain stores, It is a terminal that recognizes the information contained in the credit card (CD) and generates a payment signal for receiving electronic authentication remotely and a selection signal of reverse count / positive count. In addition, the card payment terminal (A1 ~ An) is a signal operation for a separate payment price input and counting (reverse count) service request so that the buyer can be included in the lottery object presented in the present invention even if the cash payment is made. I can do it.

In addition, when the plurality of card payment terminals A1 to An inquire card information of the credit card CD to purchase or pay for a product sold by an affiliated affiliated store where each terminal is installed, When paying with the credit card (CD), if a certain number of the predetermined number of card payments is determined by performing a positive count or a reverse count, according to the customer's choice, within the group categorized by the corresponding payment amount, payment of the corresponding payment order Recognizing the winner as the winner, the card number and sales history for the card payment is transmitted to the remaining amount after subtracting the winnings from the payment, and the card approval procedure is performed, and the winner is added in real time according to the payment of the card. Is displayed on the display screen, and the winnings are printed.

In addition, the electronic authentication server (ES) receives the card number and sales history of the credit card (CD) by data communication with each card inquiry terminal A1 to An installed in a plurality of affiliated stores through a data communication network. This is for transmitting credit card inquiry information and performing payment settlement approval.

The electronic authentication server (ES) corresponds to a plurality of groups previously classified by payment amount according to the payment price information that a plurality of users perform using a credit card (CD) for each card inquiry terminal (A1 to An). In the customer's payment group, if the customer's order is a specific number of predetermined card payments, the customer's order is assigned according to the customer's selected count (positive count, reverse count). In addition to determining the winning of the corresponding credit card (CD) in real time, the information of the winning result is transmitted to a predetermined card inquiry terminal that inquires the winning credit card (CD) through the data communication network.

At this time, the source of the lottery winnings is to collect a certain amount of money for the purchase amount of a plurality of buyers from the merchants to the winnings, and to pay to the buyers of a specific turn, according to this embodiment according to the count direction selected by the customer Allowing different winnings to be provided makes it possible to distribute the winnings reasonably.

For example, as shown in FIG. 16, the present invention assumes that a customer to make a payment is a 19th turn customer, and when the 20th turner becomes a winner, the 19th turn customer is reverse counted. If is selected, the next payer is assigned to the 18th order, so that more cumulative amount must be collected, so that the winner can be made, and the winning amount is increased. Of course, if the next payer also chooses reverse count, the customer is assigned to the 18th order again. If the paying customer does not select reverse count, the 20th customer is the winner. The winnings will be added together.

In addition, the financial settlement server (CBS1) is installed in the general management of each credit card company, department store, large discount store, or various chain stores that issue the credit card (CD), and the electronic authentication server through a value-added communication network (VAN). The credit card (CD) received from the (ES) through the card payment of the customer through the card number, sales history information and authorization whether the authentication and credit payment to the buyer is performed.

On the other hand, the financial settlement server (CBS1) from the electronic authentication server (ES) the sales history information from each card inquiry terminal (A1 ~ An) by the payment request of the credit card (CD) possessed by a plurality of users Upon receipt, the payment amount of each user's credit card (CD) is confirmed, and the credit settlement is made.

And, the payment / lottery management server (PSLMS) receives the card information and sales history provided from a plurality of card payment terminals (A1 ~ An) installed in the affiliated store, count direction information selected by the customer within the group for each payment amount classified in advance In the relevant payment order is counted (reverse count, positive count), and determines whether or not to win. If the buyer or payer wins, it is determined whether the issuer (issuing a credit card company, a large discount store, a department store, etc.) that issued the card is affiliated, and the issuer is affiliated with a payment / lottery management server (PSLMS). In the case of a company, the server is configured to transmit the winning or not to the card payment terminals A1 to An so that the payment for the payment amount after subtracting the winning proceeds.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the seventh embodiment of the present invention having the above configuration will be described in detail.

17 is a flowchart illustrating a signal flow of a payment customer lottery system according to a seventh embodiment of the present invention.

First, the payment / lottery management server (PSLMS) is a customer's payment that can be made in a large order or in a small order according to the count direction selected by the customer in a group previously classified by each customer's payment price. If the predetermined card user wants to pay for the purchase price of the product or the use price of the service through the credit card (CD), the number of the corresponding product among the plurality of card inquiry terminals A1 to An is performed. Payment will be attempted through the card inquiry terminal provided in the place of purchase or the merchant.

At this time, the card payment terminal (A1 ~ An), the card number and card information, the terminal unique number, payment price information, the count direction information selected by the customer (right count, reverse count) embedded in the credit card (CD) The payment / lottery management server (PSLMS) is transmitted through a data communication network, and the payment / lottery management server (PSLMS) designates a group for each payment amount classified in advance according to the corresponding payment information, and the corresponding group within the group. According to the count direction information (cardinal count, reverse count) selected by the card payer, the payment order of the corresponding customer is assigned to the next or previous payment order.

Through this, the payment / lottery management server (PSLMS) can determine in real time whether the customer is a winner, and if the customer is not won, the card payment terminal (A1 ~ An) to win the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) recalls the character data “If your biller chooses a reverse count, your authentication number is the 19th, the front number of the winner, and the count is in reverse.” The card payment terminal (A1 ~ An) is transmitted, the card payment terminal (A1 ~ An) transmits the corresponding payment signal to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) generates a credit inquiry and credit settlement request signal of the card to the financial settlement server (CBS1).

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) to use the information on the amount of each group, the final payment price information excluding the winning amount from the payment amount of the customer, the corresponding winning Information (winning amount information) is transmitted to the card payment terminals A1 to An. Then, the card payment terminal (A1 ~ An) transmits the payment information subtracted from the winning prize to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial The payment server CBS1 generates a credit inquiry and credit settlement request signal for the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

Hereinafter, a lottery system for payment customer number using a merchant payment terminal according to an eighth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

18 is a diagram illustrating a data flow of a billing customer lottery system according to an eighth embodiment of the present invention.

Referring to this, the billing customer lottery system according to the eighth embodiment of the present invention collects a winning amount of a predetermined ratio of sales, and the customer counts a certain number of spaces such as 1, 2, 3, or 10 spaces during credit settlement and cash settlement. The winners are selected by selecting the number of winners by proceeding the order of payment according to the selected signal of skipping the corresponding count number selected by the customer according to each payment price. It is a system that allows you to assign reserves.

Referring to the drawings, the billing customer number-based lottery system according to an eighth embodiment of the present invention, if the billing customer 1 is assigned a billing order number in the 17th order is selected to skip the 2 spaces at the time of payment, corresponding signal The payment customer 1 is designated as the new payment customer 2, the payment order is assigned to the 19th order, and the next other payment customer 3 is determined to be the 20th order, giving volatility to the winning probability according to the customer's choice. Do it.

For this purpose, a technical configuration as shown in FIG. 1 is required.

That is, in the payment customer lottery system according to the eighth embodiment of the present invention, the credit card (CD) is in the form of a contactless card such as an RF-IC card or a contact card such as a magnetic card and an IC card. And it is used to perform a payment for a predetermined product purchase or service based on the card member information.

In addition, the card payment terminal (A1 ~ An) is installed in a number of issuing companies that issue the credit card (CD), that is, in a number of affiliated merchants that are allowed in credit card companies, department stores, large discount stores, various chain stores, Recognizing the information contained in the credit card (CD) is a terminal for generating a payment signal for receiving electronic authentication remotely, the selection signal of skipping the payment order. In addition, the card payment terminal (A1 ~ An) can perform the operation for the separate payment price input and the order skip signal so that the buyer can be included in the lottery object presented in the present invention even if the cash payment.

In addition, when the plurality of card payment terminals A1 to An inquire card information of the credit card CD to purchase or pay for a product sold by an affiliated affiliated store where each terminal is installed, When paying with the credit card (CD), if a certain number of the predetermined number of payments is made by skipping the order according to the customer's choice within the group categorized by the corresponding payment amount, the payer of the corresponding payment order is recognized as the winner. In addition, the card number and sales history for the payment of the card are transmitted to the remaining amount after subtracting the winnings from the payment amount, and the card is added on the display screen of the terminal in real time. Mark and print the winnings.

In addition, the electronic authentication server (ES) receives the card number and sales history of the credit card (CD) by data communication with each card inquiry terminal A1 to An installed in a plurality of affiliated stores through a data communication network. This is for transmitting credit card inquiry information and performing payment settlement approval.

The electronic authentication server (ES) corresponds to a plurality of groups previously classified by payment amount according to the payment price information that a plurality of users perform using a credit card (CD) for each card inquiry terminal (A1 to An). In the customer's payment group, if the customer's turn number is a specific turn of the predetermined number of card payments according to the turn signal selected by the customer, the credit card corresponding to the turn of the predetermined turn In addition to determining the winning in (CD) in real time, the information of the winning result is transmitted to a predetermined card inquiry terminal for inquiring the winning credit card (CD) through the data communication network.

At this time, the resources of the lottery winnings are collected in a certain ratio of the amount of purchases of a plurality of buyers from the merchants to the winnings of the winnings to pay to the buyers of a specific turn, according to the present embodiment, the turn skip signal selected by the customer In accordance with the order number of the payment customer may be different from the specified order number.

For example, as shown in FIG. 18, in the present invention, when the paying customer 1 having the payment order assigned to the 17th order selects skipping of the 2 spaces at the time of payment, the corresponding paying customer 1 is the new paying customer 2 according to the signal. The payment order is designated as the 19th order, and the next other payment customer 3 is determined as the 20th order so that volatility can be given to the winning probability according to the customer's choice.

In addition, the financial settlement server (CBS1) is installed in the general management of each credit card company, department store, large discount store, or various chain stores that issue the credit card (CD), and the electronic authentication server through a value-added communication network (VAN). The credit card (CD) received from the (ES) through the card payment of the customer through the card number, sales history information and authorization whether the authentication and credit payment to the buyer is performed.

On the other hand, the financial settlement server (CBS1) from the electronic authentication server (ES) the sales history information from each card inquiry terminal (A1 ~ An) by the payment request of the credit card (CD) possessed by a plurality of users Upon receipt, the payment amount of each user's credit card (CD) is confirmed, and the credit settlement is made.

And, the payment / lottery management server (PSLMS) receives the card information and sales history provided from a plurality of card payment terminals (A1 ~ An) installed in the merchant, the skip signal of the order selected by the customer for each payment amount classified in advance Within the group, the payment order is designated by applying the skip of the order selected by the customer, and the winner is decided. If the buyer or payer wins, it is determined whether the issuer (issuing a credit card company, a large discount store, a department store, etc.) that issued the card is affiliated, and the issuer is affiliated with a payment / lottery management server (PSLMS). In the case of a company, the server is configured to transmit the winning or not to the card payment terminals A1 to An so that the payment for the payment amount after subtracting the winning proceeds.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the eighth embodiment of the present invention having the above configuration will be described in detail.

19 is a flowchart illustrating a signal flow of a payment customer lottery system according to an eighth embodiment of the present invention.

First, the payment / lottery management server (PSLMS) proceeds counting by the customer's payment order in accordance with the order skip signal selected by the customer in the group previously classified by each customer's payment price, a predetermined card user product If you want to pay the purchase price or the use of the service through a credit card (CD), you can pay the price through the card inquiry terminal provided in the place of purchase of the product or the merchant of the service among the plurality of card inquiry terminals A1 to An. Attempt payment.

At this time, the card payment terminal (A1 ~ An) in the card number and card information, the terminal identification number, payment price information, the order number skipping information selected by the customer embedded in the credit card (CD) through the data communication network / Lottery management server (PSLMS) is sent, the payment / lottery management server (PSLMS) designates a group by payment amount classified in advance according to the corresponding payment information, and within the group selected by the card payer According to the information of skipping (skip 1, 2, ..10 spaces), the payment sequence of the corresponding customer is assigned from the previously set payment sequence to the sequence sequence skipped.

Through this, the payment / lottery management server (PSLMS) can determine in real time whether the customer is a winner, and if the customer is not won, the card payment terminal (A1 ~ An) to win the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) says that if the payer chooses to skip a certain sequence, your authentication number is 3, the 3rd back number of the winner, and the winner is uncounted. The card data is transmitted to the card payment terminals A1 to An, and the card payment terminals A1 to An transmit the corresponding payment signal to the electronic authentication server ES to approve it through credit inquiry. A request is made, and the electronic authentication server ES generates a credit inquiry and credit settlement request signal of the card to the financial settlement server CBS1.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt.

On the other hand, if the customer is the winner, the payment / lottery management server (PSLMS) using the information on the amount of each group, the final payment price information, except the winning amount from the payment amount of the customer, and the corresponding The winning information (winning amount information) is transmitted to the card payment terminals A1 to An. Then, the card payment terminal (A1 ~ An) transmits the payment information subtracted from the winning prize to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial The payment server CBS1 generates a credit inquiry and credit settlement request signal for the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

On the other hand, the present invention in the above-mentioned embodiments in the counting payment sequence number, merchants can provide a separate payment order number for each day, week, month, and in this case also in the group unit by payment amount Counting can be performed according to the order of payment, and the winning probability can be counted differently according to the customer's choice.

On the other hand, merchants can specify the days of the week, such as Monday is a separate shopping, can provide a plurality of payment order counting opportunities, and can provide more opportunities for multiple payment order counting by dividing the time zone, such as weekday mornings. .

 On the other hand, although not shown in the present invention, the bar code (including RFID) of each product sold in a large discount mart, etc. may include information that can be included in the group by the amount greater than the corresponding payment amount to count the payment order.

For example, in order to count the payment order by making a payment of 120,000 won, the customer must count the order number in a payment group of 100,000 won, but the barcode information includes information that allows the order number to be counted in a payment group of 200,000 won separately from the payment amount. When the winner's turn counting is determined at 200,000 won, the order given to the payer matches the preset winning turn and decides whether or not to win the payer. Do it.

In addition, by classifying the group by the amount of the electronic money using the electronic money, such as cyber money obtained through the game or the point of view of the advertisement, and give the order by the time of application within the group, the predetermined order is selected as the winner. You can also pay your winnings by accumulating electronic money.

20 is a diagram illustrating a data flow of a billing customer lottery system according to a ninth embodiment of the present invention.

Referring to this, the billing customer lottery system according to the ninth embodiment of the present invention integrates and accumulates the accumulated amount provided by a plurality of merchants when purchasing a product of a consumer, and selects a corresponding accumulated amount group by the consumer's selection. When the accumulated amount of the consumer exceeds the specified threshold amount, the system recognizes the consumer as the winner and discounts or accumulates the winning amount.

In more detail, as shown in the figure, the winning criteria processed by the payment / lottery management server (PSLMS) of the payment customer lottery system according to the ninth embodiment of the present invention is not a predetermined payment sequence. It is set to treat the paying customer as a winner when the accumulated reserve provided to the merchant exceeds a certain amount.

That is, a plurality of affiliated stores that are registered as members provide a predetermined percentage of sales to the settlement / lottery management server (PSLMS) as a cumulative reserve, and the settlement / lottery management server (PSLMS) accumulates the corresponding reserves. Set the payment customer at the time when the accumulated amount is more than the predetermined amount as the winner.

In this case, each merchant may have a reserve payment ratio of 1% of sales, and 2% of each merchant, such as each industry and product of the merchant, the accumulation of the reserve in the payment / lottery management server (PSLMS) When processing, as shown in the figure, the cumulative reserves for each customer's payment are accumulated as 52,000 won, 62,000 won ....

Therefore, if the winning amount is specified as 100,000 won in the payment / lottery management server (PSLMS), the settlement customer who pays at the time when the accumulated amount of the reserves exceeding 100,000 won occurs will be treated as a winner. Therefore, in such a system, it is not possible to know how many payment customer numbers will be treated as winners, but in a completely different manner from any random sampling method, which is a general lottery method, a winner is automatically generated when a certain accumulation amount is accumulated.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the ninth embodiment of the present invention having the above configuration will be described in detail.

21 is a flowchart illustrating a signal flow of a payment customer lottery system according to a ninth embodiment of the present invention.

First, the payment / lottery management server (PSLMS) registers a specific accumulated amount therein as a winning. In this state, when a predetermined card user wants to pay for the purchase price of a product or the use price of a service through a credit card (CD), among the plurality of card inquiry terminals A1 to An, Attempt to pay through the card inquiry terminal provided in the merchant.

At this time, the card payment terminal (A1 ~ An) transmits the card number, card information, terminal unique number, payment price information embedded in the credit card (CD) to the payment / lottery management server (PSLMS) through a data communication network And, the payment / lottery management server (PSLMS) determines the amount of accumulation according to the card payment amount information, and accumulates the accumulated amount by adding up the accumulated amount.

In addition, the payment / lottery management server (PSLMS) compares the accumulated accumulation amount accumulated at the time of payment of the corresponding payment customer with the registered amount to determine whether the accumulated accumulation amount exceeds the registered amount.

If the cumulative reserve exceeds the pre-registered amount, the payment customer is treated as a winner, and the payment / lottery management server (PSLMS) uses the information on the amount of each group to win the prize from the payment amount of the customer. The final payment amount information is excluded and the corresponding winning information (winning amount information) is transmitted to the card payment terminals A1 to An.

Then, the card payment terminal (A1 ~ An) transmits the payment information subtracted from the winning prize to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial Generates a credit inquiry and credit settlement request signal for the card to the settlement server (CBS1).

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt. If the winner / lottery management server (PSLMS) occurs, the winner's payment sequence number is updated to zero.

If the cumulative reserve is less than the registered amount, the payment customer is treated as an unwinner, and the payment / lottery management server (PSLMS) pays the card for the payment signal and the non-winning information for the payment amount of the customer. Send to terminal A1 ~ An.

Then, the card payment terminal (A1 ~ An) transmits the payment information to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial settlement server (CBS1) ) Generates a signal for credit inquiry and credit settlement of the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print out the non-winning information provided from the server (PSLMS) on the receipt.

FIG. 22 is a diagram illustrating a data flow of a billing customer lottery system according to a tenth embodiment of the present invention.

Referring to this, the payment customer lottery system according to the tenth embodiment of the present invention provides a portion of a discount amount for a specific discount event product by accumulating by providing a portion of the discount amount for the lottery system to accumulate more than other products By accumulating and providing discounts and event counts, the system can increase the number of visits by customers through the sale of products and promote consumption of other products.

That is, place a product (hereinafter referred to as a big point product: BP product) that provides a larger amount of money among a plurality of products sold in the same store, and write a notice on the outside of the product indicating that the product is a BP product. Do it.

In this case, in the case of the BP product, since the corresponding product seller provides a larger accumulated amount for the event, the buyer who purchases the BP product has the same counting service as the purchase of the product of the larger amount at the time of payment. For example, even if you do not purchase 100,000 won, even if you receive a counting service in the 100,000 won group, you can receive a payout of 100,000 won discount.

The payment customer lottery system according to the tenth embodiment of the present invention is largely executed under a system of a POS terminal and a van terminal (for example, a merchant terminal) such as a general department store, which are executed in a large mart, and according to the system of the terminal. Different treatments take place.

In more detail, referring to the drawing, the POS terminal system determines whether the corresponding product is a BP product through a separate barcode scanner in real time, and checks the payment amount of the corresponding BP product. Can be done. In other words, 1% earning merchants are typically to earn 1% for all products, but if the BP products are included in the products can be made to earn a larger proportion of 10%. Therefore, in the case of non-BP products, 100% of 1% will be accumulated as a savings fund at the time of 10,000 won payment, and 150 won of 1% will be accumulated as the accumulated funds at the payment of 10,000 won. BP products with 10,000 won will be accumulated as a financial resources of 10% 1000 won. Therefore, the customer only consumes 35,000 won, but since the accumulated amount of 1250 won is generated, the customer can receive a counting service in a group of 1200 won.

At this time, the balance of 50 won can be earned as a separate point, or can be immediately discounted from the payment price.

On the other hand, in the van terminal system that is executed in department stores or general affiliated stores, all the product information is not input through the barcode scanner, and the payment is executed by simply inputting the total amount to be paid. Therefore, it is automatically determined whether the product is a BP product. Can't.

To illustrate this case, merchants that earn 2% will typically earn 2% for all products, but if BP products are included among those products, a larger percentage, for example 25 You can earn a percentage. Therefore, in the case of non-BP products, 200 won (1%) is accumulated as a savings resource when you make a payment of 10,000 won, and 400 won (2%) is accumulated as a funding resource when you make a payment of 20,000 won. 100,000 won BP products should be counted as 25,000 won (25%) to be accumulated resources, but because it is not automatically known whether the product is a BP product, the same amount is processed as 2000 won (2% of 100,000 won) To execute the count.

After that, the customer should input the payment receipt for the corresponding products through an input device such as a separate PC or merchant terminal A1 to An. In this case, 23,000 won after subtracting 2000 won corresponding to 2% pre-counted from 25,000 won, which is 25% of the payment amount of 100,000 won, is transferred to the payment / lottery management server (PSLMS) from the receipt. do.

Thus, the provision of BP products can allow more customers to visit the store and can serve as bait products. In the case of BP products, if the product can be discounted by 50% as an event product, a 40% discount processing is performed, and the remaining 10% is provided as a reserve amount to count in the payment / lottery management server (PSLMS). Through this, the customer can perform a large percentage count while receiving a 40% discount, thereby increasing the event sales effect.

FIG. 23 is a schematic diagram schematically showing a configuration of a billing customer lottery system according to a tenth embodiment of the present invention.

Referring to this, in the billing customer lottery system according to the tenth embodiment of the present invention, the credit card (CD) is in the form of a contactless card such as an RF-IC card or a contact card such as a magnetic card and an IC card, Based on the card number and card member information is used to perform a payment for a certain product purchase or service use.

In addition, the card payment terminal (A1 ~ An) is installed in a number of issuing companies that issue the credit card (CD), that is, a number of affiliated merchants that are allowed in credit card companies, department stores, various chain stores, the credit card (CD) Recognizing the information contained in the) is a terminal for generating a payment signal for remote electronic authentication. In addition, the card payment terminal (A1 ~ An), even if the buyer of the product does not pay using a variety of cards such as credit card (CD), cash card, debit card, etc. In order to include the buyer, a signal manipulation for inputting a separate payment and requesting a counting service may be performed.

In addition, when the plurality of card payment terminals A1 to An inquire card information of the credit card CD to purchase or pay for a product sold by an affiliated affiliated store where each terminal is installed, If the payment amount by the credit card (CD) is classified into groups, and the number of card payments within the group corresponds to a specific order of the predetermined number of card payments according to the embodiment of the present invention, the winner of the payment order Recognizing that the payment amount is subtracted from the payment amount, the card number and payment history for the card payment is sent to perform the card approval process, and the display of the terminal in real time whether the winnings added according to the card payment Display on the screen and print the winnings.

In addition, a POS terminal (POS) is installed in a large mart, for inputting product information and number information through a barcode scanner Pa connected to the inside thereof, and simultaneously generating payment signals and accumulated amount information for payment processing.

In addition, the card payment terminals (A1 ~ An) and POS terminals (POS) provided in a plurality of merchants, etc. can be configured as a separate card payment terminal further includes a PC function in the function of a general credit card terminal, In the case of the same card payment terminal, the affiliated store may provide a lottery service by itself according to the will of the merchant, and may give a prize or a prize money according to the visitor's visit by each merchant.

In addition, the electronic authentication server (ES) via the data communication network, the card number of the credit card (CD) by data communication with each card inquiry terminal (A1 ~ An) or POS terminal (POS) installed in a plurality of affiliated merchants This is to receive the credit card and sales history and transmit credit card inquiry information and process payment approval.

In the electronic authentication server (ES), the accumulated amount of the BP product according to the payment information performed by a plurality of users using a credit card (CD) for each card inquiry terminal (A1-An) or POS terminal (POS) When the total number of credits included in the payment is counted within the group for each payment amount, the credit card corresponding to the predetermined number of payments is reached. In addition to determining the winning of the CD in real time, the information of the winning result is transmitted to a predetermined card inquiry terminal or POS terminal which inquires the credit card (CD) in which the winning is made through the data communication network. In the figure, the second database DB2 stores a card number for card payment approval of a credit card (CD) possessed by a plurality of users, sales amount information of each approval number, and corresponding card information.

At this time, the resources of the lottery winnings are collected by a certain percentage of the purchase amount of the plurality of buyers from the merchants to the winnings of the winnings, so as to pay to the specific number of buyers. Allowing different winnings to be provided makes it possible to distribute the winnings reasonably.

In addition, the financial settlement server (CBS1) is installed in the general management of each credit card company, department store, large discount store, or various chain stores that issue the credit card (CD), and the electronic authentication server through a value-added communication network (VAN). The credit card (CD) received from the (ES) through the card payment of the customer through the card number, sales history information and authorization whether the authentication and credit payment to the buyer is performed.

On the other hand, the financial settlement server (CBS1) is a card inquiry terminal (A1 ~ An) or POS terminal (POS) by the payment request of the credit card (CD) possessed by a plurality of users from the electronic authentication server (ES) Receiving the sales history information from the user to confirm the amount of payment for each user's credit card (CD), and the credit payment for it.

And, the payment / lottery management server (PSLMS) receives the card information and sales history provided from a plurality of card payment terminals (A1 ~ An) installed in the affiliated store, and calculates the accumulated amount amount for each product to calculate and process the final accumulated amount The number of payments is counted in the group for each accumulated amount, and the winner is decided. If the buyer or payer wins, it is determined whether the issuer (issuing a credit card company, a large discount store, a department store, etc.) that issued the card is affiliated, and the issuer is affiliated with a payment / lottery management server (PSLMS). In the case of a company, the server transmits the winning or not to the card payment terminal (A1 to An) or the POS terminal (POS) to process the payment for the settlement price after subtracting the winnings.

In this case, the payout of the winnings may be paid by the buyer reducing the amount of payment to be paid to the issuer (for example, credit card company, large discount store, department store, etc.), and the winnings may be paid to the depositor's deposit account. It can be transferred to, or in the form of reserves, such as reserves or game money of the merchants instead of payouts.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using a merchant payment terminal according to a tenth embodiment of the present invention having the above configuration will be described in detail.

24A and 24B are flowcharts showing signal flows of a payment customer lottery system according to a tenth embodiment of the present invention.

24A illustrates a count lottery process executed under a POS terminal system. First, a payment / lottery management server (PSLMS) receives and registers information on a BP product from a POS terminal equipped in a large mart. Let's do it.

The payment / lottery management server (PSLMS) receives payment information from the POS terminal, extracts BP product information of a pre-registered corresponding store, and compares the payment information with the transmitted payment information to the BP product in the corresponding payment information. It is determined whether the payment information is included. The payment / lottery management server (PSLMS) extracts group information for each accumulated amount and executes counting in the corresponding group.

Through the execution of the count, the payment / lottery management server (PSLMS) determines whether the corresponding payer is a winner, and in the case of a winner, subtracts the winning amount and performs payment processing, and the corresponding winning information and payment information is stored in the POS terminal. (POS) transfer processing, and if there is a residual amount accumulated, the residual amount accumulated will be processed.

Then, the POS terminal (POS) receives the payment information and the winning information from the payment / lottery management server (PSLMS) and prints the paper on the receipt to provide to the customer.

24B illustrates a count lottery process executed under the system of card payment terminals A1 to An, which is a van terminal. First, the payment / lottery management server PSLMS is a card payment terminal A1 to An provided in a department store or an affiliated store. Receive payment information from), and calculates the amount of credit for the payment amount through the merchant's earning rate. That is, even if a BP product is included, the card payment terminals A1 to An cannot transmit individual product information, so the payment / lottery management server (PSLMS) does not recognize the point of the corresponding BP product as a special point. The accumulated amount of registered merchants is applied as it is to calculate the accumulated amount.

The payment / lottery management server (PSLMS) extracts group information for each accumulated amount and executes counting in the corresponding group.

Through the execution of the count, the payment / lottery management server (PSLMS) determines whether the corresponding payer is a winner, and in the case of a winner, subtracts the winning amount and performs payment processing, and the corresponding payment information and payment information are settled on the card payment terminal. Transfer it to (A1 ～ An), and if there is a remaining reserve, it will accumulate the remaining reserve.

Then, the card payment terminal (A1 ~ An) receives the payment information and the winning information from the payment / lottery management server (PSLMS) and prints the page on the receipt to provide to the customer.

In that state, the customer presents a receipt printed on the purchase history of the BP goods to the clerk, and does not go through the van server through the merchant PC or a separate input device, and the corresponding BP goods to the payment / lottery management server (PSLMS). Generates an additional count request signal (including customer profile information or card information). In this case, if the accumulated amount for the BP product is 2000 won, and the accumulated amount used for the normal count using the corresponding BP product is 200 won, the accumulated amount of 1800 will be additionally counted.

Through the execution of the count, the payment / lottery management server (PSLMS) determines whether the corresponding payer is a winner, and if the winner is a credit to the customer's credit card, the corresponding information is entered into the merchant PC or a separate input device. Through the screen or the ground output, even if the winner, the information is not displayed through the merchant PC or a separate input screen outputs the ground.

On the other hand, although not shown, the billing customer lottery system and method according to an embodiment of the present invention is also applied to the purchase of a gift card using a credit card or cash, ARS or PC, credit card or cash through a separate input device In the case of purchasing a gift certificate, the personal information and payment information of the customer is transmitted to the payment / lottery management server (PSLMS) through the server of the gift certificate issuer.

Then, the payment / lottery management server (PSLMS) executes a count service based on the corresponding customer information and the payment amount information, and if the winner is determined to transmit the information to the server of the gift voucher issuer, discount or accumulation processing can be performed. .

Hereinafter, a lottery system for paying customers using a merchant payment terminal according to an eleventh embodiment of the present invention will be described in detail with reference to the accompanying drawings.

25 is a schematic diagram schematically showing the configuration of a payment customer lottery system according to an eleventh embodiment of the present invention.

Referring to this, the billing customer number-based lottery system according to the eleventh embodiment of the present invention by registering the credit card number and mobile number of the customer linked to the payment / lottery management server, and by registering the customer's payment processing information for each customer When a payment signal occurs, according to the customer's preset information set by the customer, a certain percentage of the reserve is used as a counting point, and the remaining reserve is processed to be accumulated.

That is, when a customer generates a reserve in advance in the payment / lottery management server (PSLMS) using a mobile phone (HP1 ~ HPn) or a customer PC (not shown), the automatic processing information for the reserve may be registered. The automatic processing of the reserves in the payment / lottery management server (PSLMS) is to automatically process the reserves in the payment / lottery management server (PSLMS) even if the customer does not generate a signal for the separate deposit processing.

To this end, the deposit processing method that the customer registers in the payment / lottery management server (PSLMS) is largely divided into three, the first is to use the total reserve as a count service, the second is a certain percentage of the total reserve Is used as a counting service, and the remaining remaining reserve is to be accumulated. The third approach is to use the total amount of reserves provided instead of using the counting service.

Therefore, the credit card (CD) in the payment customer lottery system according to the eleventh embodiment of the present invention in the form of a contactless card such as an RF-IC card or a contact card such as a magnetic card and IC card, card number And it is used to perform a payment for a predetermined product purchase or service based on the card member information.

In addition, the card payment terminal (A1 ~ An) is installed in a number of issuing companies that issue the credit card (CD), that is, in a number of affiliated merchants that are allowed in credit card companies, department stores, large discount stores, various chain stores, The terminal recognizes the information contained in the credit card (CD) and generates a payment signal for remote electronic authentication. In addition, the card payment terminal (A1 ~ An), even if the buyer of the product does not pay using a variety of cards such as credit card (CD), cash card, debit card, etc. In order to include the buyer, a signal manipulation for inputting a separate payment and requesting a counting service may be performed.

In addition, when the plurality of card payment terminals A1 to An inquire card information of the credit card CD to purchase or pay for a product sold by an affiliated affiliated store where each terminal is installed, If the payment amount by the credit card (CD) is classified into groups, and the number of card payments within the group corresponds to a specific order of the predetermined number of card payments according to the embodiment of the present invention, the winner of the payment order Recognizing that the payment amount is subtracted from the payment amount, the card number and payment history for the card payment is sent to perform the card approval process, and the display of the terminal in real time whether the winnings added according to the card payment It is displayed on the screen and the winning area is printed.

In addition, the card payment terminal (A1 ~ An) provided in a number of affiliated stores can be configured as a separate card payment terminal further includes a PC function in the function of the general credit card terminal, such a case of the card payment terminal In accordance with the will of the merchant, the affiliated store may provide the lottery service by itself, and each merchant may also pay prizes or winnings according to the customer's visit order.

In order for the customer's mobile phone (HP1 ~ HPn) to automatically process the credits granted from the payment / lottery management server (PSLMS), the mobile phone number and credit card number are registered with the payment / lottery management server (PSLMS), and the credit is automatically saved. It is a terminal that inputs the setting data for processing to generate an automatic processing setting signal, and transmits the setting data to a payment / lottery management server (PSLMS) through a data communication network.

In addition, the electronic authentication server (ES) receives the card number and sales history of the credit card (CD) by data communication with each of the card payment terminals A1 to An installed in a plurality of affiliated stores through a data communication network. This is for transmitting credit card inquiry information and performing payment settlement approval.

In the electronic authentication server (ES), the number of card payments in a group for each payment amount is calculated according to the payment amount information that a plurality of users perform using a credit card (CD) for each card payment terminal (A1 to An). When counting reaches a specific number of predetermined card payments, the winner decides in real time on the credit card (CD) corresponding to the specific number of card payments, and the information of the result of the winning is determined through the data communication network. The credit card (CD) that has been won is sent to a predetermined card inquiry terminal. In the figure, the second database DB2 stores a card number for card payment approval of a credit card (CD) possessed by a plurality of users, sales amount information of each approval number, and corresponding card information.

At this time, the resources of the lottery winnings are collected by a certain percentage of the purchase amount of a plurality of buyers from the merchants to the winnings and pays to the buyers of a specific turn, according to the present embodiment. Allowing different winnings to be provided makes it possible to distribute the winnings reasonably.

In addition, the financial settlement server (CBS1) is installed in the general management of each credit card company, department store, large discount store, or various chain stores that issue the credit card (CD), and the electronic authentication server through a value-added communication network (VAN). The credit card (CD) received from the (ES) through the card payment of the customer through the card number, sales history information and authorization whether the authentication and credit payment to the buyer is performed.

On the other hand, the financial settlement server (CBS1) from the electronic authentication server (ES) the sales history information from each card inquiry terminal (A1 ~ An) by the payment request of the credit card (CD) possessed by a plurality of users Upon receipt, the payment amount of each user's credit card (CD) is confirmed, and the credit settlement is made.

And, the payment / lottery management server (PSLMS) receives the card information and the sales information provided from the plurality of card payment terminals (A1 ~ An) installed in the merchant and counts the corresponding payment order in the group classified by the payment price in advance The winner is decided. If the buyer or payer wins, the issuer (eg credit card company, large discount store, department store, etc.) that issued the card is judged to be affiliation, and the issuer is affiliated with the Payment / Lottery Management Server (PSLMS). In the case of a company, the server transmits the winning or not to the card payment terminals A1 to An so that the payment for the settlement amount after subtracting the winning proceeds. In addition, the payment / lottery management server (PSLMS) automatically executes the customer's deposit processing, register the deposit processing setting information sent from the customer's mobile phone (HP1 ~ HPn) in conjunction with a mobile phone number or credit card number, and later Recognize the customer through the mobile phone number or credit card number of the customer included in the payment signal transmitted from the card payment terminal (A1 ~ An), and automatically credits the reserves granted according to the reserve processing information set by the customer in advance. Process.

In this case, the payout of the winnings may be paid by the buyer reducing the amount of payment to be paid to the issuer (for example, credit card company, large discount store, department store, etc.), and the winnings may be paid to the depositor's deposit account. It can be transferred to, or in the form of reserves, such as reserves or game money of the merchants instead of payouts.

26 is a block diagram showing the configuration of a payment / lottery management server according to an eleventh embodiment of the present invention.

Referring to this, the payment / lottery management server (PSLMS) according to the eleventh embodiment of the present invention automatically executes the deposit processing of the customer, the mobile phone number of the deposit processing setting information transmitted from the customer mobile phone (HP1 ~ HPn) Or register in association with the credit card number, and recognize the customer through the mobile phone number or credit card number of the customer included in the payment signal transmitted from the card payment terminal (A1 ~ An) in the future, the customer preset It is a server that automatically processes the reserve given according to the reserve processing information, and provides a counting service according to the payment order of the customer at the time of the customer's payment according to the customer's setting to process a discount on the payment amount.

More specifically, the payment / lottery management server (PSLMS), as shown in the figure, therein, gateway, connection, authentication center (AUC), connection detection processor, group designation processor, count execution processor, merchant cost settlement It consists of a processor, a customer-specific count information setting processor, a customer information storage unit 9a, a merchant information storage unit 9b, a data storage unit, and a control module.

The gateway (WEB, WAP Gateway: 2a ~ 2n) is a configuration for matching the data transmitted through the web network and the wireless Internet network with the protocol in the server, the connection portion 4 is the gateway (WEB, WAP Gateway: 2a) It is the connecting means for connecting the data transmitted through ～ 2n) with the internal module of the server.

The authentication center (AUC) 6 uses a unique number such as the MAC address of each merchant's card payment terminals A1 to An to determine whether the affiliate is an affiliated affiliated store or to customer information transmitted from the customer's PC (PC1 to PCn). Means for authenticating which customer, and the connection detecting processor 8a is a processor for checking the connection state between the card payment terminals A1 to An of the respective merchants and the PCs PC1 to PCn of the customer.

In addition, the group designation processor 8b is a processor for designating a group for each payment amount classified in advance for each payment amount of the customer transmitted from the card payment terminals A1 to An, and from the card payment terminals A1 to An. If payment information of a specific customer is authorized, a group corresponding to the payment amount is designated.

The count execution processor (8c) is a group in the group designation processor (8b) according to the payment information of the customer authorized from the card payment terminal (A1 ~ An), the count information (winning probability point) preset by the customer In the specified state, the processor for determining the payment order of the customer in the group.

In addition, the merchant cost settlement processor (8d) is a processor for calculating the price to be paid at the card payment terminals (A1 ~ An) of the merchant by subtracting the corresponding winning amount from the payment price for each customer. The count information setting processor 8e for each customer is a processor for registering the winning probability point information selected by the customer through a web network through a customer PC (PC1 to PCn). It is a means for extracting the registered winning probability point information and processing so that the count can be executed in the group of the corresponding winning probability point.

The customer information storage unit 9a registers a mobile phone number and a credit card number for each customer and sets an automatic processing method for each customer. The automatic processing method for each customer is largely divided into three types as described above. The first is to use the total reserves as a counting service, the second is to use a certain percentage of the total reserves as a counting service, and the remaining remaining reserves are to be accumulated. The third approach is to make sure that all the reserves provided are credited rather than used as a counting service.

The affiliated store information storage unit 9b registers various search category information for each affiliated store so that the customer can search for the desired affiliated store information through the mobile phones HP1 to HPn. Store and register for each point (eg, reserve information), each merchant location information, phone number information, sales product information for each merchant, and special event information.

The data storage unit 10 stores the unique number of the card payment terminal (A1 ~ An) for each affiliated store and the affiliated merchant information for each unique number, and stores the payment sequence numbering information of the group for each payment price for each group. It is a storage means for storing the winning information for each group, and store the winning probability point information (10% group, 20% group ... 100% group) registered in advance by the customer.

On the other hand, the control module 12 checks the authentication center (6) whether or not affiliated with the merchant in accordance with the payment information and the merchant code provided through the gateway (2a ~ 2n) from the card payment terminal (A1 ~ An) Process to check whether the customer wins or not according to the order of payment in the group while the group for each payment amount is designated, and registers the winning probability point information selected by the customer in advance, and then the customer's payment signal is approved. Extracts the winning probability point information of the customer and processes the count to be executed in the group, and receives the setting signal of the customer and registers the setting for automatic processing of the deposit in association with the customer's mobile phone or credit card number. Merchant information is classified by a number of search categories and registered to be searchable. It is a means for automatically processing the reserve according to the customer-specific information.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the eleventh embodiment of the present invention having the above-described configuration will be described in detail.

FIG. 27 is a flowchart illustrating a signal flow of a payment customer lottery system according to an eleventh embodiment of the present invention.

First, in the payment customer lottery system according to the eleventh embodiment of the present invention, the customer accesses the phone page of the payment / lottery management server (PSLMS) through a mobile phone HP1 to HPn or a PC (not shown).

In the state where a member ID and password are entered by logging into the payment / lottery management server (PSLMS), a deposit processing setting menu is selected from various menus provided in the payment / lottery management server (PSLMS). Transfers to the payment / lottery management server (PSLMS) reserve processing request information for setting up to be automatically processed in the payment / lottery management server (PSLMS) without the customer's separate selections generated during the payment.

Then, the payment / lottery management server (PSLMS) registers the customer-specific reserve processing request information sent from the mobile phone (HP1 ~ HPn) in association with the mobile number and credit card number.

In this state, when a payment signal including payment amount information is authorized from the card payment terminals A1 to An provided in the affiliate store, the payment / lottery management server PSLMS accumulates the accumulated amount of the affiliate store, and The customer's setting information is extracted from the customer's mobile phone number or credit card number sent from the card payment terminals A1 to An.

If the counting service for the total reserves is set in the customer setting information extracted from the payment / lottery management server (PSLMS), the payment / lottery management server (PSLMS) counts for the total reserves granted due to the payment of the customer Perform a service. In this case, the count service performed by the payment / lottery management server (PSLMS) will be omitted since it has been described in the above-described embodiment.

When the payment / lottery management server (PSLMS) performs a count service to check whether the corresponding payment customer is the winning number, the payment / lottery management server (PSLMS) subtracts the winning information and the winning amount of the corresponding customer. The final payment amount information is transmitted to the card payment terminals A1 to An of the merchant.

If the customer's setting information extracted from the payment / lottery management server (PSLMS) is set to run a counting service only for a certain ratio of the reserves provided during the payment, and the remaining reserves are to be accumulated, the payment is made. / Plottery Management Server (PSLMS) runs the count service only by the corresponding ratio.

When the payment / lottery management server (PSLMS) performs a count service to check whether the corresponding payment customer is the winning number, the payment / lottery management server (PSLMS) subtracts the winning information and the winning amount of the corresponding customer. The final payment amount information is transmitted to the card payment terminals A1 to An of the merchant, and the remaining reserves are accumulated for each customer.

Hereinafter, a lottery system for paying customers using a merchant payment terminal according to a twelfth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 28A is a flowchart illustrating a signal flow of a payment customer lottery system according to a twelfth embodiment of the present invention.

First, the billing customer lottery system according to the twelfth embodiment of the present invention uses the merchant PC to provide the merchant / lottery management server with discount information, location information, phone number information, special event information, and sale product information. By categorizing and registering by category, each customer can search for a suitable merchant through the selection of a specific region, the highest in-hill rate, a special event occurrence merchant, or a sale product.

To this end, in the twelfth embodiment of the present invention, the same system as in FIG. 25 is required, and reference will be made to FIG. 25 to describe the twelfth embodiment of the present invention.

First, the affiliated store owner (lord) transmits the affiliated store information to the payment / lottery management server (PSLMS) through a merchant PC (not shown). Merchant information is information for searching for a desired merchant in a state where a customer is connected to the payment / lottery management server (PSLMS) using a mobile phone (HP1 to HPn) or a PC. The payment / lottery management server (PSLMS) The merchant information registered in the discount information, location information, telephone number information, special event information, sales product information is classified by category and registered.

In particular, in the case of reserves, that is, the discount rate is provided to the customer at a different rate for each merchant, it may be provided arbitrarily to the merchant, but basically there is a difference in the discount rate that can be provided for each type of merchant. This is related to margins and sales by sector. However, even though they are in the same industry, the discount rate may vary depending on the merchant because the owner may provide more discount rate as part of the special event.

Therefore, the customer can use the mobile phone (HP1 ~ HPn) or PC, access the payment / lottery management server (PSLMS) to search in order of the largest discount provider, or search by the region where the merchant is located It is also possible to enter a phone number, search for merchant information, or directly enter a brand name such as a merchandise, for example, clothing, sneakers, or pizza. In addition, it is possible to search in the order of merchants providing special events such as prizes.

Therefore, when such a search request signal is transmitted to the payment / lottery management server (PSLMS) via a customer's mobile phone (HP1 to HPn) or a PC, the payment / lottery management server (PSLMS) is searched at the affiliated store searched according to the corresponding search request signal. The information is transmitted to the customer's mobile phone (HP1-HPn) or PC.

Hereinafter, a lottery system for paying customers using a merchant payment terminal according to a thirteenth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

28B and 28C are flowcharts showing the signal flow of the payment customer lottery system according to the thirteenth embodiment of the present invention.

First, the billing customer lottery system according to the thirteenth embodiment of the present invention, when the pre-booking application is received through the customer's pre-booking application and reservation information input, the reservation amount transfer, the payment / lottery management server to the customer It is a system for receiving a count service before payment by providing a count point corresponding to the expected payment amount in advance.

In the billing customer lottery system according to the thirteenth embodiment of the present invention, a system for processing advance reservation and provisional reservation is described. This refers to a reservation in which the customer transfers the reservation amount in advance when making a reservation to the affiliated store. In this case, the advance payment to the customer is made available to the customer.

In addition, the provisional reservation refers to a reservation in which the customer does not transfer the reservation amount in advance when making a reservation to the affiliated store. In this case, the provisional reservation is made to the customer according to the provisional reservation. (Pre) A reservation that does not pay a reserve, but pays a predetermined amount more.

Of course, even if the advance reserve by pre-booking is more than the amount of reserve at the time of pre-booking, the pre-booking is almost certain to secure the sales of the merchants. In the case of pre-booking, it is natural to provide more reserves in the case of pre-booking, since it is not possible to secure sales because a separate reservation is not transferred. However, both pre-booking and pre-booking are more convenient as they provide preparation time such as preparing food and securing seats by informing the merchant owner of the size and time of the visit. There is a mutual advantage as customers are given more reserves.

In particular, in the case of pre-booking, the customer can execute the counting service of the payment / lottery management server (PSLMS) before the payment of the entire product amount by using the point provided from the merchant in advance. You can buy goods and services for money, or you can buy goods and services for free.

In the case of FIG. 28B, the pre-booking process is illustrated.

As shown in the figure, in the case of an advance reservation, a customer accesses the payment / lottery management server (PSLMS) through a mobile phone (HP1-HPn), and provides various items such as a product menu, a discount rate, and local information. When a specific merchant is searched through a search, a pre-reservation request signal (reservation information; number of persons, estimated payment amount) for the affiliated store is transmitted to the payment / lottery management server (PSLMS) through the customer's mobile phone (HP1-HPn). Will be sent).

Then, the payment / lottery management server (PSLMS) converts the reservation amount through the corresponding pre-booking application information. Generally, the reservation amount is 10% of the total reservation payment amount, but may also set a different ratio for each merchant.

Therefore, when the reservation amount is calculated in the payment / lottery management server PSLMS, the reservation amount information is transmitted to the customer mobile phones HP1 to HPn. Then, the customer generates a small payment request signal to the payment / lottery management server (PSLMS) through the mobile phone (HP1 ~ HPn) to apply for a transfer.

As a result, the payment / lottery management server (PSLMS) runs a micropayment program, performs a micropayment process through an accredited certification program, generates points (storage) for the total estimated payment amount of the customer, and the customer To your cell phone (HP1-HPn).

In other words, if the reservation amount paid by the customer is 10,000 won, the customer expects the total estimated payment amount to be 100,000 won, and the payment / lottery management server (PSLMS) provides points for 10,000 won paid. No, you pay in advance points for 100,000 won.

Through this, when a count service request signal is transmitted from the customer mobile phone (HP1 to HPn) to the payment / lottery management server (PSLMS), the payment / lottery management server (PSLMS) is classified in advance according to the payment price information of the card payer. The payment order of the customer is assigned next to the payment order in progress in the group.

Through this, the payment / lottery management server (PSLMS) can check in real time whether the customer is a winner, and if the customer is not won, the customer's mobile phone (HP1 ~ HPn) is sent to the customer's winning information do. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the customer's mobile phone (HP1 ~ HPn).

On the other hand, if the customer is the winner, the payment / lottery management server (PSLMS) transmits a separate winning authentication number to the customer's mobile phone (HP1 ~ HPn) in the future payment, by presenting the winning authentication number from the merchant In case of payment, the amount is reduced by the discounted amount.

When the prepayment is completed and the customer tries to make a payment at the merchant, the affiliated store owner confirms whether or not the customer has won by checking the winning authentication number displayed on the screen of the mobile phone (HP1 ~ HPn) of the customer. The payment amount is calculated, the payment signal is transmitted through the card payment terminals A1 to An to the electronic authentication server ES, and an authorization request is made through a credit inquiry. The electronic authentication server ES performs the request. The financial settlement server CBS1 generates a credit inquiry and credit settlement request signal for the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt.

In the case of FIG. 28C, the temporary reservation process is illustrated.

As shown in the figure, in the case of provisional reservation, the customer accesses the payment / lottery management server (PSLMS) through a mobile phone (HP1-HPn), and provides various items such as product menu, discount rate, and local information. When searching for a specific merchant through a search, the customer's mobile phone (HP1 ~ HPn) through the mobile reservation (假 豫 約) application signal (reservation information; number of people, estimated payment amount) for the merchant through the payment / lottery management server (PSLMS Will be sent).

Then, the payment / lottery management server (PSLMS) receives the temporary reservation (假 豫 約) application information, and registers the customer's mobile phone number along with the merchant information and the reservation information through the caller ID service (CID).

In that state, the customer tries to pay through the card payment terminal provided in the merchant.

At this time, the card payment terminal (A1 ~ An) to the payment / lottery management server (PSLMS), the card number, card information, terminal unique number, payment information embedded in the credit card (CD) through the data communication network Is sent. At this time, the payment / lottery management server (PSLMS) extracts the customer information through the credit card number of the customer, and confirms whether or not the customer is a pre-registered customer.

If the customer is a provisional customer, the payment / lottery management server (PSLMS) generates a provisional provisional reservation point, and the payment sequence proceeded in the group previously classified according to the payment amount information of the card payer. Next, the order of payment of the customer is given.

Through this, the payment / lottery management server (PSLMS) can determine in real time whether the customer is a winner, and if the customer is not won, the card payment terminal (A1 ~ An) to win the customer's non-winning information send. For example, the payment / lottery management server (PSLMS) transmits the text data "Your authentication number is the 19th, the front number of the winner" to the card payment terminals (A1 ~ An), the card payment terminal (A1 ~ An) transmits the payment signal to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) credits the card to the financial settlement server (CBS1). Generate inquiry and credit request signal.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt.

On the other hand, if the customer is a winner, the payment / lottery management server (PSLMS) to calculate the final payment price information, excluding the winning amount from the payment amount of the customer, the corresponding information (winning amount information) to pay the card Send to terminal A1 ~ An. Then, the card payment terminal (A1 ~ An) transmits the payment information subtracted from the winning prize to the electronic authentication server (ES) to make an authorization request through a credit inquiry, the electronic authentication server (ES) is the financial The payment server CBS1 generates a credit inquiry and credit settlement request signal for the card.

And, the financial settlement server (CBS1) transmits the payment information of the customer to the card payment terminals (A1 ~ An), the card payment terminals (A1 ~ An) with the payment information, the payment / lottery management Print the winning information provided from the server (PSLMS) on the receipt. If the winner / lottery management server (PSLMS) generates a winner, the information of the winner's payment order is updated to 0. Subsequently, the affiliated store and the settlement / lottery management server (PSLMS) perform settlement of the point amount. .

Hereinafter, a lottery system for paying customers using a merchant payment terminal according to a fourteenth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

29 is a diagram illustrating a receipt for use of a delivery company of a billing customer lottery system according to a fourteenth embodiment of the present invention.

Referring to this, the billing customer number-based lottery system according to a fourteenth embodiment of the present invention is a count of points that can be output to the receipt in advance from the payment / lottery management server by entering the payment information to the payment / lottery management server at the delivery company; It is a system that allows a customer to receive a verification number and provide a count service by accessing a payment / lottery management server through a PC or a mobile phone.

When the payment customer lottery system according to the fourteenth embodiment of the present invention is applied to a delivery company, the customer delivers the goods before paying by credit card or cash and pays cash in the future. The payment / lottery management server (PSLMS) can not transmit a separate payment signal that the customer has made a payment.

Therefore, in this case, the customer can access the payment / lottery management server (PSLMS) in the future, the payment / lottery management server to compare the separate authentication number that can transmit the information that you purchased some goods from a certain merchant (PSLMS) must be registered, the merchant at the time when the order is received by the payment / lottery management server (PSLMS) to send the information about which merchant and how much the order received the payment / lottery management server (PSLMS The authentication number generated from) is output to the cash receipt. Then, when a customer later accesses the payment / lottery management server (PSLMS) and inputs an authentication number, the payment / lottery management server (PSLMS) compares the authentication number and checks which goods are purchased at which merchant. It is possible to provide a count service.

To this end, the figure shows a receipt 20 provided by the delivery company to the customer. In the receipt 20 of the delivery company, the payment amount 22 is displayed, and at the bottom thereof, the payment date 24 is described, generated by the payment / lottery management server (PSLMS), and the receipt 20 from the merchant. The authentication number 26 printed and included in this is described, and the affiliated store unique number 30, the telephone number, and the affiliated store name 28 are described.

Therefore, after the customer receives the receipt 20 from the delivery agent, the customer accesses the payment / lottery management server (PSLMS) through a PC or a mobile phone (HP1-HPn), and the authentication number (26) described in the receipt (20). ) To receive a count service and various services provided by the payment / lottery management server (PSLMS).

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using a merchant payment terminal according to a fourteenth embodiment of the present invention having the above-described configuration will be described in detail.

30A and 30B are flowcharts illustrating signal flows of a payment customer lottery system according to a fourteenth embodiment of the present invention.

Here, FIG. 30A is a flowchart in which a merchant enters an ordered product and automatically generates an authentication number while connected to the payment / lottery management server (PSLMS) through a merchant PC or a mobile phone. It is a flowchart for accessing the payment / lottery management server (PSLMS) through an electronic authentication server (ES), which is a van server, and receiving a certification number by inputting a payment amount. That is, 30a and 30b illustrate a method of receiving an authentication number by accessing the payment / lottery management server (PSLMS) at an affiliated store.

First, describing a method of receiving an authentication number through an affiliated PC or a mobile phone, when receiving an order from a specific customer at an affiliated store, while accessing the payment / lottery management server (PSLMS) through an affiliated PC or mobile phone, Input the authentication code generation request signal and the total payment price information, merchant code to the payment / lottery management server (PSLMS).

Then, the payment / lottery management server (PSLMS) receives the authentication number generation request signal and the entire payment price information, merchant code, generates a unique authentication number (= serial number), and linked with the information transmitted from the merchant Register the authentication number.

Then, the affiliated store outputs the authentication number provided from the payment / lottery management server (PSLMS) in the receipt 20 and then provides the corresponding receipt to the customer.

The customer enters and transmits the corresponding authentication number while accessing the payment / lottery management server (PSLMS) through the customer's PC or mobile phone (HP1-HPn). Then, the payment / lottery management server (PSLMS) extracts the information connected through the corresponding authentication number. Therefore, the payment / lottery management server (PSLMS) can determine how much the total payment amount of the customer, and generates a point corresponding to the payment amount, and provides a count service using the point.

Through a counting service, the payment / lottery management server (PSLMS) may check whether the customer wins in real time, and when winning, pays the amount of the prize for all or part of the payment amount.

Referring to Figure 30b describes the process of assigning the authentication number of another method, the payment / lottery management server (PSLMS) to grant a master card to the affiliated store for granting the authentication number, the master card number to the electronic authentication Register with the server (ES).

When the corresponding master card number is input, the electronic authentication server (ES) is a master card so that the signal is not a real payment request signal, but a signal to transmit the corresponding payment information to the payment / lottery management server (PSLMS). Register the number.

In this state, when the merchant owner of the delivery company receives the order, the card payment signal is generated by inputting the payment amount through the card payment terminals A1 to An provided in the merchant using the master card. Then, the electronic authentication server (ES) receiving the corresponding card payment signal from the card payment terminal (A1 ~ An) does not generate a real payment signal to a specific credit card company through the master card number, the payment / lottery management server Send the information to the PSLMS. This information is the authentication code generation request signal, the total payment information, merchant code.

Then, the payment / lottery management server (PSLMS) receives the authentication number generation request signal and the entire payment price information, merchant code, generates a unique authentication number (= serial number), and linked with the information transmitted from the merchant The authentication number is registered, and the authentication number is transmitted to the card payment terminals A1 to An of the affiliated store through the electronic authentication server ES.

Then, the affiliated store outputs the authentication number provided from the payment / lottery management server (PSLMS) in the receipt 20 and then provides the corresponding receipt to the customer.

The customer enters and transmits the corresponding authentication number while accessing the payment / lottery management server (PSLMS) through the customer's PC or mobile phone (HP1-HPn). Then, the payment / lottery management server (PSLMS) extracts the information connected through the corresponding authentication number. Therefore, the payment / lottery management server (PSLMS) can determine how much the total payment amount of the customer, and generates a point corresponding to the payment amount, and provides a count service using the point.

Through a counting service, the payment / lottery management server (PSLMS) may check whether the customer wins in real time, and when winning, pays the amount of the prize for all or part of the payment amount.

Hereinafter, a lottery system for paying customers using a merchant payment terminal according to a fifteenth embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 31 is a view illustrating a gift certificate for an affiliated store of a payment customer lottery system according to a fifteenth embodiment of the present invention.

Referring to this, the billing customer number-based lottery system according to the fifteenth embodiment of the present invention provides a count point that can be used within a predetermined period by registering a gift certificate authentication number with a payment / lottery management server when issuing a gift certificate for each merchant, If the relevant period is exceeded, the system calculates the date before the voucher is used to provide a predetermined interest rate, and automatically deletes the count points to provide additional benefits when the customer purchases the voucher, thereby facilitating the distribution of the voucher. .

The billing customer lottery system according to the fifteenth embodiment of the present invention is a system for activating voucher sales and generating pre-sales by providing two benefits to customers when selling vouchers issued for each merchant. Two benefits provided to the customer are firstly, a benefit of providing a count service executed in the payment / lottery management server (PSLMS) by providing a specific point for a certain period from the purchase of a gift certificate.

Second, it is a benefit that calculates the interest rate provided separately by the merchant owner as a point from when the period of use of the point is exceeded and until the use of the gift certificate. At this time, the user cannot receive the specific points and interest rate benefits that can be used for a certain period from the time of purchase of the gift certificate, but the customer is provided with the points when the gift certificate is purchased. You can get a gift certificate, so even if you buy a gift certificate in advance, there are a variety of benefits.

Therefore, the gift certificate 32 used in the payment customer number-based lottery system according to the fifteenth embodiment of the present invention has a merchant name 34 described in the contents thereof, and the face value information 36 of the gift certificate is described. , The period information (40) where the points can be used is described, the point face value information (38) is described, the serial number (42) of the gift certificate is described, Interest rate information 44 is described.

Therefore, the payment / lottery management server (PSLMS) registers the gift certificate issuance information from the merchant before the sale of the gift certificate, calculates the time by calculating the time by registering the sale information when the gift certificate is sold, and checks the date of use of the points. Point use service is provided.If the point expiration date is exceeded, the point is reduced, the interest rate is calculated, and the period until the voucher is used later is calculated and converted into points. The overall management of the gift certificate until use is automatically performed.

With reference to the accompanying drawings, the function and operation of the billing customer lottery system using the merchant payment terminal according to the fifteenth embodiment of the present invention having the above configuration will be described in detail.

32 is a flowchart illustrating a signal flow of a payment customer lottery system according to a fifteenth embodiment of the present invention.

First, the affiliated store prints a gift certificate and issues it. Then, while connected to the payment / lottery management server (PSLMS) through a merchant PC or a mobile phone, and transmits the gift certificate issuance information including the gift certificate serial number and face value to the payment / lottery management server (PSLMS).

Then, the payment / lottery management server (PSLMS) registers the gift certificate issuance information for each merchant. Thereafter, when the gift certificate is sold at the affiliated store, the serial number and the gift certificate sale information are transmitted to the payment / lottery management server (PSLMS) through the affiliated PC or mobile phone.

Then, the payment / lottery management server (PSLMS) registers the sales information of the gift certificate, and generates a point due to the sale of the gift certificate. Then, the count is started for the period operation that can use the point, and provides the first point information to the customer cell phone or PC. That is, before using the gift certificate, the customer may be provided with various services and products using the first point, and may receive the count service provided by the payment / lottery management server (PSLMS).

If the customer generates a signal to use the count service through a mobile phone or PC, the payment / lottery management server (PSLMS) receives the serial number information of the gift certificate from the customer to extract the registered serial number information After checking the face value and the point information, the count service is executed to confirm the winning.

And, the payment / lottery management server (PSLMS) provides the winning information to the customer's mobile phone or PC. If the customer uses the points, the interest rate benefits are not given according to a separate period, but if the customer does not use these points, the payment / lottery management server (PSLMS) checks the point usage period, and the point usage period. It is determined in real time whether this has been exceeded.

If the date of use of a point for a particular gift certificate has expired in the payment / lottery management server (PSLMS), the payment / lottery management server (PSLMS) deletes the point and starts counting for calculating the interest rate for each period. .

Then, when a predetermined period has elapsed, if the customer wants to use the gift certificate, the payment / lottery management server (PSLMS) is the corresponding through the card payment terminal (A1 ~ An) or merchant PC, merchant mobile phone equipped at the merchant After receiving the use signal of the gift certificate, the interest rate counting is stopped, the interest rate for each period is calculated, the interest rate is converted into points, and the point information is transmitted to the affiliated store so that the customer can check it.

Since the serial number is described in the point information, the customer can receive various services including the count service provided by the payment / lottery management server (PSLMS) through the serial number.

On the other hand, the billing customer lottery system and the method according to an embodiment of the present invention is not limited only to the above-described embodiment, various modifications are possible within the scope not departing from the technical gist.

As described above, the payment customer lottery system and the method according to the present invention, when performing payment for the commodity price through a credit card or cash, etc., give a payment order by group previously classified by the corresponding payment price and In addition, you can activate consumption by granting discounts or by providing cyber money according to the predetermined winning order number, increase merchant sales, and receive prizes in proportion to the amount used at the customer's entrance. If the payment amount is large, it is possible to increase the odds of winning because it is possible to divide and participate in the payment order counting service. In addition, the customer can specify the odds of winning the payment in advance to determine the number of groups participating in the payment order counting service such as 10, 20, 30, etc. In the case of selecting a group of the number of people, there is an advantage in that the winning amount can be increased, so that consumption can be promoted and the price can be drawn in consideration of the customer's intention.

Claims (69)

delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete When paying for a card, the card payment terminal pays 3 months interest-free group, 5 months interest-free group, and 12 months interest-free group information on the card number, card information, terminal unique number, payment price information, and interest-free installment information selected by the customer. Transmitting to the lottery management server; The payment / lottery management server assigning a payment order of a corresponding customer next to a payment order executed in a group classified according to interest-free installment information selected by the card payer; Executing the counting of the customer by the interest-free group by the payment / lottery management server; Checking, by the payment / lottery management server, whether the customer is a winner in real time; If the customer has not won the process, the payment / lottery management server to send the information of the customer's non-winning to the card payment terminal; The card payment terminal transmitting payment information to the electronic authentication server and the financial payment server to perform payment processing; Transmitting, by the financial settlement server, payment information of the customer to the card settlement terminal; The card payment terminal outputting the non-winning information on the receipt together with the corresponding payment information; If the customer is a winner, the payment / lottery management server transmits the payment information of the customer and the corresponding winning information (interest interest installment information) to the card payment terminal by using interest-free installment winning information for each group; ; Transmitting, by the card payment terminal, the corresponding payment information together with the winning interest-free installment information to the electronic authentication server and the financial settlement server; The financial settlement server performing interest-free installment processing of the customer and transmitting payment information of the customer to the card payment terminal; The card payment terminal is a lottery method according to the payment customer, characterized in that made in the process of outputting the winning information (no interest installment information) on the receipt in addition to the corresponding payment information. delete 29. The method of claim 28, wherein the payment / lottery management server performs the counting of the corresponding customer by the interest-free group, and the payment customers who have selected the interest-free installment for three months are classified into the same group and count one person as three winners. The billing customer lottery method according to the billing customers, characterized in that the five-month interest-free installment payment is classified into the same group to provide a different probability of winning by interest-free installment period to count one person per five. delete delete delete Transmitting card information, terminal unique number, payment price information, count direction information selected by the customer (reverse count, positive count) from the card payment terminal provided in the affiliated store to the payment / lottery management server; The payment / lottery management server assigns the payment order of the customer according to the count direction selected by the customer within the group for each payment amount that is felt, and when the customer selects the reverse count, the next payment customer is reverse counted. Payment order is reversed until the selection; Determining, by the payment / lottery management server, whether the customer order is identical to the winning order number; If the match, the payment / lottery management server determines the payer as a winner, and transmits the winning information to the card payment terminal; The card payment terminal generating a payment signal of a payment amount of which the corresponding winning money is subtracted; The electronic authentication server and the financial settlement server performing credit settlement according to the payment signal transmitted from the card settlement terminal, and transmitting the corresponding payment information to the card settlement terminal; The card payment terminal lottery method according to the payment customer characterized in that the process consisting of outputting the payment information and the winning information on the receipt. delete delete delete delete delete delete delete Generating payment signals by inputting personal information for delivery through ARS while accessing an online payment server through a telephone terminal of the payer; Transmitting, by the online payment server, the payment price information, the purchaser's personal information, and the unique number of the donated home shopping mall to the payment / lottery management server through a data communication network; The payment / lottery management server extracting the return information of the corresponding customer according to the payment price information and the personal information of the card payer and comparing it with the reference count information; If the payment customer is a customer who has returned more than a predetermined number of times of monthly returns, the payment / lottery management server classifies the customer as a customer who cannot receive the counting service in the month and cannot count information. Generating a; If the payment customer is a customer who has returned less than a predetermined number of times of monthly returns, the payment / lottery management server is next to the payment order that has been performed in the group previously classified according to the payment amount of the payment customer. Performing a counting process for assigning a settlement order of the banks; Transmitting, by the payment / lottery management server, the customer's non-winning information to the online payment server when the customer has not won; Outputting, by the online payment server, the corresponding non-winning information (or count service unavailable customer information) to the payer's telephone terminal through ARS; The online payment server generating a credit inquiry and credit settlement request signal of the card to a financial server to perform payment processing; Outputting, by the online payment server, non-winning information (or non-counting information) to the payer's telephone terminal through ARS; On the other hand, if the customer is a person who can provide the count service, and the winner, the payment / lottery management server to settle the final payment price information excluding the winning amount from the payment amount of the customer; Voice outputting the corresponding winning information (winning amount information) to the payer's telephone terminal through the ARS; The online payment server is a lottery payment method according to the customer characterized in that the process consisting of the payment processing of the amount of the winnings subtracted. Generating payment signals by inputting personal information for delivery through ARS while accessing an online payment server from a payer's telephone terminal; Transmitting, by the online payment server, the payment / payment information, the purchaser's personal information, the unique number of the donated home shopping mall, and the return period information of the product to the payment / lottery management server through a data communication network; Setting, by the payment / lottery management server, a countable date of the corresponding customer in the future according to the payment price information, the personal information, and the return date information of the card payer, and generating a serial number linked to the countable date information; Registering the serial number together with the customer information and the countable date information; Transmitting, by the payment / lottery management server, the serial number and the countable date information to the online payment server; Performing an online payment server to process a payment through the customer's credit card; An online payment server outputting the corresponding serial number, payment information, and count service available date information to the payer's telephone terminal through the ARS; A process of authorizing a donated serial number by making a web connection or ARS connection from the customer telephone terminal to a payment / lottery management server when a count service available date for the corresponding product purchase arrives; A process of the payment / lottery management server extracting personal information and payment information of the corresponding customer registered through the serial number, and performing group classification by payment amount based on the payment information; Determining, by the payment / lottery management server, whether or not to win the corresponding customer by counting in the group; If the customer has not won, the payment / lottery management server outputs the corresponding winning information to the payer's telephone terminal through ARS, or transmits it to the customer's PC; If the customer is a winner, the payment / lottery management server is a process for generating the winnings by processing the winnings by requesting the winnings earned request signal to the financial server using the credit card number of the customer Lottery by order. 44. The method of claim 43, wherein the payment / lottery management server further includes a step of executing a count at a time point when the purchase decision signal is authorized from the customer phone or the customer PC. delete delete delete delete delete A payment / lottery management server receiving payment information from a card payment terminal (ban terminal) provided in a department store or an affiliated store, and calculating a reserve amount for a corresponding payment amount through a corresponding store earning rate; Extracting, by the payment / lottery management server, group information for each accumulated amount and executing a count in the corresponding group; Determining, by the settlement / lottery management server, whether the corresponding payer is a winner by executing a count; Transmitting and processing the winning information and the payment information to the card payment terminal, and if the remaining accumulated amount exists, processing the accumulated remaining amount; The card payment terminal receives the payment information and the winning information from the payment / lottery management server and prints the paper on a receipt to provide to the customer; In that state, the BP product that executed the initial count from the actual point of the BP product to the payment / lottery management server without going through the van server through the merchant PC or a separate input device through the receipt presented by the customer Generating a count request signal for the remaining accumulated amount after subtracting the amount; Through the execution of the count, the settlement / lottery management server determines whether the payer is a winner, and if the winner is the process of accumulating the winnings in the customer's credit card; How to draw the customer's order number, characterized in that consisting of the process of outputting the screen or page through the merchant PC or a separate input. 51. The method of claim 50, since the card payment terminal cannot transmit the individual product information even when the BP product is included when the first payment information is received, the payment / lottery management server applies the accumulated rate of the registered merchant as it is. Lottery payment method according to the customer number characterized in that the processing to calculate the accumulated amount. delete delete The card information and payment information is transmitted to the payment / lottery management server so that the payment is made through the credit card to be regarded as the lottery number by payment, and the merchant that checks whether the winning credit card has been won through the sales receipt is provided. A card payment terminal; An electronic authentication server that receives a credit inquiry request for payment of a credit card from the card payment terminal and performs an authentication process; A financial settlement server which performs payment processing for the credit card that has been authenticated by the electronic authentication server, and is provided at the payment destination of the credit card company; In order to automatically process the reserves granted from the settlement / lottery management server, register the mobile phone number and credit card number in the settlement / lottery management server, and enter the setting data for the automatic processing of reserves to generate the automatic processing setting signal Letting customers cellphone; Registered by receiving the customer mobile phone number and point automatic processing setting information, customer credit card number information from the customer mobile phone, payment request signal and card information, payment amount information, customer mobile number or credit card number information from the card payment terminal Receive and automatically classify multiple groups by payment amount unit according to the processing information set by the customer, assign the number according to the payment order number by the corresponding group, check whether the payment order number is a predetermined winning order number, and process the winning process. And payment customer lottery system, characterized in that consisting of a payment / lottery management server for transmitting the corresponding information to the card payment terminal. 55. The system of claim 54, wherein the payment / lottery management server registers and processes information for each affiliated store on a phone page so that it can be searched by a customer's mobile phone. 55. The system of claim 54, wherein the payment / lottery management server comprises: a gateway (WEB, WAP Gateway) for matching data transmitted through a web network and a wireless internet network with a protocol in the server; A connection unit connecting data transmitted through the gateway (WEB, WAP Gateway) with an internal module of the server; An authentication center for authenticating whether the affiliate is an affiliated merchant through a unique number such as a MAC address of a card payment terminal of each affiliated store; A connection detection processor for checking a connection state of the card payment terminal of each affiliated store; A group designation processor for designating a group for each payment amount classified in advance for each payment amount of the customer transmitted from the card payment terminal; A count execution processor for determining a payment order number of a corresponding customer in the group in a state in which a group is designated in the group designation processor according to payment information of the customer authorized from the card payment terminal; An affiliated store cost settlement processor configured to subtract the corresponding winning amount from the payment amount for each customer to settle the payment to be made by the card payment terminal of the affiliated store; A customer information storage unit for registering a mobile phone number and a credit card number for each customer and setting an automatic processing method for each customer; An affiliated store information storage unit configured to register various search category information for each affiliated store so that customers can search for desired affiliated store information through a mobile phone; Stores the unique number of the card payment terminal for each affiliated store and the affiliated merchant information for each unique number, stores the payment sequence numbering information of the group for each payment price, stores the winning information for each group, and the customer advances. A data storage unit for storing the registered winning probability point information; According to the payment price information and the merchant code provided through the gateway from the card payment terminal to confirm whether the affiliates affiliated with the authentication center, and the corresponding customer according to the payment order in the group in the specified group by the payment price Process to confirm whether or not to win, register the winning probability point information selected by the customer in advance, and when the customer's payment signal is approved, extract the winning probability point information of the corresponding customer and process the count to be executed in the group. Registered setting for automatic processing of deposits by receiving the setting signal of the customer in connection with the customer's mobile phone or credit card number, and classifies each merchant information into a number of search categories and sets the registration to be searchable, and the customer set when the payment signal is generated. Automatically process reserves according to specific information The billing customer lottery system, characterized in that consisting of a control module. 57. The apparatus of claim 56, wherein the automatic processing information stored in the customer information storage unit comprises setting information for using the entire reserve as a count service; A certain percentage of the total reserves is used as a counting service, and the remaining remaining reserves are set information to be accumulated; Payment system customer lottery system, characterized in that registered as one of the setting information to accumulate all without using the total reserves as a count service. 57. The method of claim 56, wherein the merchant information storage unit stores point information (storage fund information) to be provided for each affiliate store, location information, phone number information, sales product information for each affiliate store, and special event information for each affiliate store. Billing customer lottery system. delete delete delete A process of approving a specific merchant search request signal through a product menu, a discount rate, local information, etc. from a customer's mobile phone to a payment / lottery management server; The payment / lottery management server transmitting the search result information to the customer's mobile phone; Receiving, by the payment / lottery management server, a pre-reservation request signal (reservation information; number of persons, expected payment amount) from the customer mobile phone; A process of the settlement / lottery management server converting the reservation amount through the corresponding pre-booking application information and transmitting it; The payment / lottery management server transferring the reservation amount of the customer; A process of the payment / lottery management server generating points (storage) for the total estimated payment amount of the customer and transmitting the points to the mobile phone of the customer; Generating a count service request signal through a payment / lottery management server; Executing a count service by the settlement / lottery management server; A process of applying a corresponding payment signal from the card payment terminal of the affiliated store to the payment / lottery management server; Transmitting, by the settlement / lottery management server, the final settlement amount after subtracting the reservation amount; The card payment terminal draws the payment information and the winning information on the receipt, characterized in that the process consisting of the process of outputting the draw. 63. The method of claim 62, wherein if the payment / lottery management server determines that the corresponding customer is the winner through the payment signal, the payment / lottery management server further includes transmitting information on the final payment amount to the card payment terminal except the reservation amount and the winning amount. Lottery customer lottery method characterized in that the payment. The payment / lottery management server (PSLMS) according to claim 62, wherein if the signal authorized to the payment / lottery management server is a temporary reservation request signal (reservation information; number of persons, expected payment amount), Receiving provisional reservation information, and registering a mobile phone number of the customer together with affiliated store information and provisional reservation information through a caller ID service (CID); Transmitting, by the card payment terminal, the card number, card information, terminal unique number, and payment information embedded in a credit card (CD) to the payment / lottery management server through a data communication network; Extracting customer information through the credit card number of the customer, and confirming whether the customer is a pre-registered customer; If the customer is a provisional customer, the payment / lottery management server generates the contracted provisional reservation point, and further comprising the step of executing the count service billing customer lottery method characterized in that it further comprises. delete delete delete delete delete

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