KR20030012300A - System and method for issuing internet lottery according to the breakdown of banking transaction using automated-teller machine - Google Patents

Abstract

PURPOSE: A system and a method for issuing an Internet lottery ticket according to the bank transaction particulars using an ATM(Automated Teller Machine) terminal are provided to increase the bank transaction using the ATM terminal and the profit of a member client by accumulating a point for the use particulars of the ATM terminal and enabling the member client to buy the Internet lottery ticket. CONSTITUTION: A member client(10) uses the ATM terminal(46) and buys the Internet lottery ticket with the accumulation point. A lottery ticket providing system(30) receives a frequency using the ATM terminal(46) and the bank transaction particulars of the member client(10), accumulates the point to each member client according to the frequency using the ATM terminal(46) and the bank transaction particulars, and provides the Internet lottery ticket requested by the member client(10). A cooperating bank system(42) has the ATM terminal(46), processes the bank transaction requested by the member client(10) and transmits the frequency using the ATM terminal(46) and the bank transaction particulars of the member client(10) to the lottery ticket providing system(30).

Description

System and method for issuing internet lottery ticket according to bank transaction history using ATM terminal

The present invention relates to a system and method for providing an internet lottery ticket according to a bank transaction history using an ATM terminal. In more detail, a user who deals with an affiliated bank uses an ATM (AUTOMATED-TELLER MACHINE) terminal. In order to use the services provided by the bank, the points are given according to the usage history of the ATM terminal, the accumulated points are accumulated, and when the accumulated points reach a predetermined point, the AMT allows the Internet lottery to be purchased. The present invention relates to an internet lottery providing system and method according to a bank transaction history using a terminal.

In recent years, in transactions with banks, transactions through ATM terminals using cash cards of banks are increasing, rather than users visiting and trading at bank counters. In the case of ATM terminal, regardless of the business hours of the bank, it is possible to trade even if the terminal of the bank. In addition, from the bank's point of view, since the user can expect a reduction in manpower when using the ATM terminal, it is highly recommended that the user use the AMT terminal.

Accordingly, there is a demand for a method for increasing the use of the ATM terminal by providing an appropriate service or providing a reward for a bank transaction using the AMT terminal.

In addition, in recent years, as economic conditions have become difficult, people's attention has been concentrated on the lottery, and as the Internet is activated, internet lotteries are being activated to purchase or receive lottery tickets and check the results immediately.

In the conventional internet lottery, the user is burdened with the purchase when it is provided for a fee, and the price due to winning is weak when it is provided for free. In addition, in the case of the conventional Internet lottery, there is a problem that can not be activated due to the small number of factors that can cause the user's attention or motivate the purchase.

The present invention has been presented to solve the above problems, and an object of the present invention is to provide an internet lottery providing system according to the bank transaction history using the AT terminal.

In addition, another object of the present invention to provide an internet lottery providing method according to the bank transaction history using the AT terminal.

In order to achieve the above object, the Internet lottery providing system according to the bank transaction history using the AT terminal in accordance with the present invention, when the member client uses the AT terminal, the number of use of the AT terminal or through the AT terminal An internet lottery issuing system according to a bank transaction history using an ATM terminal that gives points according to a bank transaction history, accumulates points, and allows a member client to purchase an internet lottery ticket by accumulating points. A member client to use and purchase an internet lottery with cumulative points; Receive a lottery to receive the number of ATM terminal usage or bank transaction history of the member client, grant and accumulate points for each member client according to the ATM terminal usage frequency or bank transaction history, and provide an internet lottery requested by the member client to purchase. system; And an affiliated bank system including an AMT terminal, processing a bank transaction requested by the member client, and transmitting a number of times of using the ATM terminal of the member client or a bank transaction history to the lottery providing system.

Preferably, the lottery providing system provides an internet lottery purchase requested by a member client, provides a predetermined web page for checking whether the Internet lottery is won, divides the accumulated points into predetermined steps, and accumulates the accumulated points. Depending on the stage of the winning probability or the cost depending on the winning is characterized in that the Internet lottery divided into a plurality of types.

In addition, in order to achieve another object of the present invention, the first embodiment of the Internet lottery issuing method according to the bank transaction history using the AT terminal according to the present invention, when the member client uses the AT terminal, According to the number of times of use or the bank transaction history made through the AMT terminal, the points are given, the points are accumulated, and the Internet according to the bank transaction history using the ATM terminal allows the member client to purchase the Internet lottery by the accumulated points. A method for issuing a lottery, comprising: a first step of receiving, from an ATM terminal or an affiliated bank system providing a bank transaction, the number of ATM terminal usage or bank transaction history of a member client; A second step of assigning and accumulating points according to the number of ATM terminal usage or bank transaction details; A third step of providing an internet lottery when the accumulated points reach a predetermined point and wish to purchase the internet lottery from the member client; And a fourth step of subtracting and storing a point corresponding to the internet lottery provided from the accumulated point.

In addition, in order to achieve another object of the present invention, the second embodiment of the Internet lottery issuing method according to the bank transaction history using the AT terminal according to the present invention, when the member client uses the AT terminal, Give points according to the number of times of use or the bank transaction history made through the AMT terminal, accumulate points, divide the accumulated points into predetermined steps, and the member client can purchase differentiated Internet lotteries according to the accumulated points stages. An internet lottery issuing method according to a bank transaction history using an ATM terminal, wherein the ATM terminal or a partner bank system providing a bank transaction receives a usage count or a bank transaction history of an ATM terminal of a member client. step; A second step of assigning and accumulating points according to the number of ATM terminal usage or bank transaction details; A third step of receiving an input of whether to purchase an internet lottery corresponding to the step from a member client when the accumulated points reach a predetermined step; And a fourth step of, when the member client requests the purchase of the internet lottery, provides the internet lottery, and stores the points corresponding to the above steps from the accumulated points.

Advantages, features and preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of an internet lottery issuing system according to the bank transaction history using the AT terminal according to the present invention.

Figure 2 is a flow chart of the Internet lottery issuing process according to the bank transaction history using the AT terminal according to the present invention.

*** Explanation of symbols on the main parts of the drawing ***

10: member client 12: terminal

14: cash card 20: Internet or wired and wireless communication network

30: lottery offer system 32: lottery offer server

34: Member Database 36: Affiliate Bank Database

38: Lottery Services Database 40: Affiliate Banks

42: Affiliate Bank Server 44: Management Database

46: ATM terminal

1 is a configuration diagram of an internet lottery issuing system according to a bank transaction history using an AT terminal according to the present invention. Referring to Figure 1, the configuration of the system according to the present invention, using the ATM card 46 of the ATM bank 46 of the partner bank 40, the bank transaction, the use of the AT terminal 46 The member client 10 who receives points and purchases an internet lottery ticket according to the number of times and the bank transaction history (hereinafter referred to as 'ATM terminal usage history') made through the ATM terminal 46, the Internet or a wired / wireless communication network ( 20) receiving the usage history of the ATM terminal 46 of the member client 10 from the affiliated bank 40 according to the present invention, assigning and accumulating points according to the usage history of the ATM terminal 46, and accumulating the points. AMT terminal 46 or cash used by the lottery providing system 30 and the member client 10 to allow the member client 10 to purchase an internet lottery when the point has reached a predetermined point. The affiliated bank 40 which provides the credit card 14, processes the bank transaction requested by the member client 10, and provides the lottery providing system 30 with the usage of the AT terminal 46 of the member client 10. ).

The member client 10 according to the present invention uses a cash card 14 of the affiliate bank 40 or an ATM terminal 46 of the affiliate bank 40 as a person who deals with the affiliate bank 40. That is, through the ATM terminal 46 of the bank (not referred to as "other banks") other than the affiliated bank 40 or the affiliated bank 40 by using the cash card 14 of the affiliated bank 40. Transactions or bank transactions through the ATM terminal 46 of the partner bank 40 using a cash card of another bank.

In addition, the member client 10 is a person who has subscribed to the lottery providing system 30, and receives a point from the lottery providing system 30 according to the usage history of the AT terminal 46. The usage history of the AMT terminal 46 includes the number of times the member client 10 uses the ATM terminal 46 of the affiliate bank 40 and the bank for the affiliated bank 40 made using the AMT terminal 46. Include transaction details. The bank transaction history includes all bank transactions that can be made through the ATM terminal as a type and a transaction amount of the bank transaction using the AMT terminal and made to the affiliated bank 40. In addition, the provided points are given for each of the number of times of use of the ATM terminal 46 and the bank transaction details, and are accumulated for each of the affiliated banks 40 for each member client 10. For example, it is said that the banks with which the member client 10 packs are A, B, and C, A and B are affiliated banks 40, and C is another bank. In this case, if A makes a bank transaction using A bank B's cash card at A ATM terminal of Bank A, the points according to the bank transaction details are given as points for Bank B of A, and points according to the use of ATM terminal Is awarded as points for A bank of A. In addition, when the bank transaction is made using the ATM card of the bank A in the ATM terminal of the bank C, the points according to the bank transaction details are given as points for the bank A of the former, and the points according to the use of the ATM terminal are granted. It doesn't work. In addition, when a bank transaction is performed in the ATM terminal of Bank A using the cash card of Bank C, all points may not be granted, and points according to the bank transaction history may not be given, and according to the use of the ATM terminal. Points may be awarded as points for A's bank. Various modifications may be made to the points.

When the accumulated points reach a predetermined point, the internet lottery ticket can be purchased according to the selection of the member client 10. In this case, the accumulated points are exhausted as necessary for the purchase of the internet lottery. If the member client 10 does not wish to purchase an internet lottery, the points continue to accumulate.

The internet lottery can be configured in various ways depending on the accumulated points. That is, the higher the accumulated points, the higher the probability of winning, or the higher the price of the winnings or prizes that can be received. Therefore, when the member client 10 wants a lottery with a high probability of winning or a lottery with a high price due to winning, the member client 10 may accumulate points without purchasing a lottery.

The member client 10 according to the present invention is a cash card 14 provided by the terminal 12 and the partner bank 40, which are means for accessing the lottery providing system 30 using the Internet or wired or wireless communication network 20. ).

The terminal 12 according to the present invention is a means for the member client 10 to access the lottery providing system 30 and should be accessible through the Internet or the wired / wireless communication network 20. As the terminal 12, a personal computer, a PDA, an IMT 2000 terminal, or a mobile phone capable of wireless internet is used.

The lottery providing system 30 according to the present invention gives a point to the member client 10 based on the usage history of the AMT terminal 46 of the member client 10 provided from the affiliate bank 40. In addition, each member client 10 accumulates points for each of the affiliated banks 40 to deal with, and when the accumulated points reach a predetermined point, it is possible to purchase internet lotteries according to the selection of the member client 10. If the member client 10 does not want to purchase an internet lottery, the points continue to accumulate. Accordingly, the member client 10 may accumulate points and simultaneously purchase a plurality of internet lotteries. In addition, it is possible to vary the type of Internet lottery that can be purchased according to the accumulated points. In this case, as the cumulative points are higher, a plurality of kinds of Internet lotteries can be provided in which the probability of winning is increased or the cost of winning is increased.

In addition, when the internet lottery ticket paid to the member client 10 is won, the payment is made accordingly.

In addition, the lottery providing system 30 according to the present invention, each member client 10 is given and accumulated points, and when the member client 10 is to purchase the Internet lottery with a cumulative point, the lottery to provide an internet lottery The server 32, the member database 34 storing information of the member client 10, the affiliate bank database 36 storing information of the affiliate bank 40, and the Internet lottery provided to the member client 10. A lottery service database 38 is stored for storing information relating to information and additional services provided.

The lottery providing server 32 according to the present invention receives the usage history of the AMT terminal 46 of each member client 10 from each of the affiliated banks 40 and gives points to each of them. In addition, when the member client 10 that accumulates the points and accumulates predetermined points desires to purchase the internet lottery, the Internet lottery is provided. In addition, from the accumulated points of the member client 10, the points necessary for the Internet lottery purchase are exhausted.

The lottery providing server 32 according to the present invention can provide other services to the member client 10 through a predetermined web page. Other service means a service provided in a general portal site.

The member database 34 according to the present invention stores and manages personal information of the member client 10, cumulative points for affiliated banks that deal with the transaction, and information on the provided internet lottery. When the member client 10 purchases the internet lottery ticket with cumulative points, the member client 10 subtracts the points necessary for purchasing the internet lottery ticket from the accumulated points. That is, the cumulative point is updated.

The affiliated bank database 36 according to the present invention stores and manages information about the affiliated bank 40.

The lottery service database 38 according to the present invention stores and manages information related to Internet lottery information purchased by the member client 10 and other services provided to the member client 10. It is also possible to purchase different types of Internet lotteries depending on the accumulated points. In this case, the information of the internet lottery that can be purchased for each point is stored. In other words, the higher the points, the higher the winning rule or the higher the price for winning.

The affiliated bank 40 according to the present invention forms an alliance with the lottery providing system 30, provides an AMT terminal 46 or a cash card 14 used by the member client 10, and provides the member client 10. Processes the banking transaction requested by the user, and provides the lottery providing system 30 with the usage history of the ATM terminal 46 of the member client 10.

The affiliated bank 40 according to the present invention manages the member client 10 that deals with the bank, and transmits the usage history of the AMT terminal 46 of each member client 10 to the lottery providing server 32. A management database 44 and a member client 10 that store information on the usage history of the ATM terminal 46 of the affiliated bank server 42, the member client 10, and information on services provided to the member client 10. AMT terminal 46 for relaying a bank transaction) is provided.

The affiliated bank server 42 according to the present invention manages the member client 10 which is a customer of the bank, collects the use history of the ATM terminal 46 of the affiliate bank 40 for each member client, and provides lottery tickets. Transfer to server 32.

The management database 44 according to the present invention stores and manages the information of the member client 10 and the history of using the AMT terminal 46, etc., which deal with the affiliate bank 40.

2 is a flowchart illustrating an internet lottery issuing process according to a bank transaction history using an AT terminal according to the present invention. 2, the present invention has the following flow.

The member client 10 that deals with the affiliated bank 40 according to the present invention registers as a member in the lottery providing system 30 (step 100).

The member client 10 according to the present invention performs a bank transaction using the ATM terminal 46 or the cash card 14 of the affiliate bank 40. (Step 105) As described above, the member client 10 ) Transactions with the ATM card 46 of the partner bank 40 with the cash card 14 of the partner bank 40, the cash card 14 of the partner bank 40 at the ATM terminal of another bank. If the transaction with and the ATM bank 46 of the partner bank 40, the transaction with the other bank's cash card is applicable.

The affiliated bank 40 according to the present invention concludes an alliance contract with the lottery providing system 30. (Step 110) The affiliated contract, the lottery providing system 30 is the ATM terminal 46 of the member client 10. Points are given according to the usage details, and an agreement is provided to pay an internet lottery ticket according to the points. The affiliated bank 40 can provide the lottery providing system 30 with a predetermined price in accordance with the Internet lottery payment.

The affiliated bank 40 according to the present invention joins the affiliated bank in the lottery providing system 30 (step 115).

The lottery providing system 30 according to the present invention registers an affiliated bank 40 affiliated with an affiliated bank as an affiliated bank and stores the information of the affiliated bank 40 in the affiliated bank database 36 (step 120).

The affiliated bank 40 according to the present invention provides the lottery providing system 30 with the usage history of the ATM terminal 46 of the member client 10 (step 125). It provides the number of times using the ATM terminal 46 of the bank 40 and the bank transaction history made through the AT terminal 46.

The lottery providing system 30 according to the present invention gives a point to the member client 10 according to the usage history of the AMT terminal 46 provided in step 125 and accumulates the points already granted. Is given to the number of times of ATM 46 and the bank transaction details, respectively. In addition, the accumulated points for each member client 10 are stored in the member database 34.

The lottery providing system 30 according to the present invention determines whether the accumulated points of the member client 10 have reached a predetermined point. (Step 135) The predetermined point is the minimum point at which the Internet lottery can be purchased. Means. When the accumulated points reach a predetermined point, the member client 10 is notified that the Internet lottery can be purchased. If the accumulated points do not reach, the accumulated points are accumulated. In other words, the points given are continuously accumulated.

If the point is not reached in step 135, the accumulated point is maintained (step 140).

The member client 10 according to the present invention uses the terminal 12 to access a predetermined website provided by the lottery providing system 30 or the lottery providing system 30, and performs a member login. )

If the point is reached in step 135, the lottery providing system 30 notifies the logged-in member client 10 that the Internet lottery can be purchased. (Step 150) As a notification method, an automatic answering system (ARS, Automatic Response System), a method of writing in the specification table output from the AMT terminal 46, a method of writing in the account book of the member client 10, a method of displaying on a predetermined web page, or a method by e-mail, etc. Can be used.

In providing the internet lottery, when the accumulated point reaches a predetermined point without asking the purchase intention of the member client 10, it can be automatically issued. The method described in the specification table or the bankbook is suitable for automatically issuing an internet lottery as described above, and may describe an internet lottery number automatically issued.

In addition, when the Internet lottery is provided in various forms and different Internet lotteries are provided according to the accumulated points, the member client 10 may purchase an internet lottery that can be purchased at the accumulated points or continue to accumulate points. Can be. In other words, the more accumulated points, the higher the probability of winning or the greater the cost of winning the internet lottery. In this case, the lottery providing system 30 asks the member client 10 whether to purchase a lottery ticket.

The member client 10 according to the present invention determines whether or not to purchase a lottery ticket (step 155). That is, whether to purchase an internet lottery ticket that can be purchased with the currently accumulated points, or accumulate more points to purchase another Internet lottery ticket. Decide if

If it is determined in step 155 to purchase the lottery ticket, the member client 10 makes a request for purchasing the lottery ticket to the lottery providing system 30 (step 160).

The lottery providing system 30 according to the present invention provides the internet lottery to the member client 10 with reference to the lottery service database 38. (Step 165) In this case, the internet lottery selected by the member client 10. In other words, an internet lottery that can be purchased with the accumulated points is provided.

The lottery providing system 30 according to the present invention updates the member information of the member client 10 stored in the member database 34 (step 170). That is, the points corresponding to the Internet lottery purchased from the accumulated points are obtained. The remainder is stored as a cumulative point. It also stores details about your internet lottery purchases.

When the member client 10 according to the present invention requests an inquiry on whether or not the Internet lottery has been purchased (step 175), the lottery providing system 30 notifies the winning result with reference to the lottery service database 38. (180 Step) As a notification method, a method by an automatic response system (ARS), a method to be described in the specification table output from the AT terminal 46, a method to be written to the account book of the member client 10, a predetermined method The method of displaying on a web page or the method by email may be used.

In step 155, if the member client 10 decides not to purchase the lottery ticket, the member client 10 requests the accumulation of points (step 185). That is, when accumulating more points to purchase another lottery ticket, the member client 10 requests the accumulation of points. You may not purchase a lottery ticket.

The lottery providing system 30 according to the present invention accumulates points and stores them in the member database 34 (step 190).

The lottery providing system 30 according to the present invention provides additional services to the member client 10 with reference to the lottery service database 38 (step 195).

As described above, the present invention gives and accumulates points on the usage history of the AMT terminal, and increases the bank transaction using the AMT terminal as the member client can purchase the Internet lottery by the accumulated points. There is a significant effect of increasing the interests of member clients.

Therefore, banks can gain workforce savings by increasing bank transactions using ATM terminals, and members can receive points for free and purchase Internet lotteries through them to obtain financial and realistic benefits. It can be effective.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (6)

When the member client uses the ATM terminal, points are given according to the number of times of use of the ATM terminal or the bank transaction history made through the AMT terminal, the points are accumulated, and the member client is accumulated by the accumulated points. An internet lottery issuing system based on a bank transaction history using an ATM terminal to purchase an internet lottery, A member client using the AT terminal and purchasing the Internet lottery ticket with the accumulated points; Receive the points of use of the ATM terminal or the bank transaction history of the member client, grant and accumulate the points for each of the member clients according to the ATM terminal use number or the bank transaction history, and the member client requests a purchase. A lottery providing system for providing an internet lottery; And And an affiliated bank system including the ATM terminal, processing the bank transaction requested by the member client, and transmitting the number of use of the ATM terminal of the member client or the bank transaction history to the lottery providing system. Internet lottery issuing system according to the bank transaction history using the AT terminal. According to claim 1, wherein the lottery providing system, An internet lottery issuing system according to a bank transaction history using an AT terminal, characterized by providing an internet lottery purchase requested by the member client and providing a predetermined web page for checking whether the Internet lottery is won or not. According to claim 1, wherein the lottery providing system, Banking history using the ATM terminal, characterized in that the cumulative points are divided into predetermined steps, and the Internet lottery is divided into a plurality of types having different odds of winning or winning according to the step of accumulating points. Internet lottery issuing system according to. The method of claim 1, Internet lottery issuing system according to the transaction details of the ATM terminal, characterized in that at least one of the ATM terminal or the bank transaction for the affiliated bank. When the member client uses the ATM terminal, points are given according to the number of times of use of the ATM terminal or the bank transaction history made through the AMT terminal, the points are accumulated, and the member client is accumulated by the accumulated points. An internet lottery issuing method according to a bank transaction history using an ATM terminal for purchasing an internet lottery, A first step of receiving, from the ATM terminal or an affiliated bank system providing the bank transaction, the number of ATM terminal use of the member client or the bank transaction history; A second step of assigning and accumulating the points according to the number of times of using the ATM terminal or the bank transaction details; A third step of providing the internet lottery when the accumulated points reach a predetermined point and wish to purchase the internet lottery from the member client; And And a fourth step of subtracting and storing points corresponding to the provided internet lottery from the accumulated points. When the member client uses the ATM terminal, points are given according to the number of times of use of the AMT terminal or the bank transaction history made through the AMT terminal, the points are accumulated, and the accumulated points are divided into predetermined steps. A method for issuing an internet lottery ticket according to a bank transaction history using an ATM terminal to allow the member client to purchase a differentiated internet lottery ticket according to the accumulation point stage, A first step of receiving, from the ATM terminal or an affiliated bank system providing the bank transaction, the number of ATM terminal use of the member client or the bank transaction history; A second step of assigning and accumulating the points according to the number of times of using the ATM terminal or the bank transaction details; A third step of receiving an input of whether to purchase the Internet lottery corresponding to the step from the member client when the accumulated points reach a predetermined step; And And a fourth step of providing the internet lottery and subtracting and storing the points corresponding to the step from the accumulated points when the member client requests the purchase of the internet lottery. How to issue an internet lottery based on your bank details.