RU58376U1 - TABLE ECONOMIC GAME "BANKING" - Google Patents

Abstract

The utility model relates to the field of designing board games, in particular, to educational economic games in the field of banking, and can be used as a visual training aid to familiarize participants with the main types of banking services provided by banks to the population in the Russian Federation. The game contains a playing field with markup, game cards with game information, game cards that play the role of money, game chips and a random number generator in the form of a dice. What is new is that game cards that play the role of money are made in the form of banknotes from material of the “lumi-art” type and include at least two sets of imitation cards of banknotes: the first - according to the type of tickets of the Bank of Russia printed on them nominal value signs in “monetary units”, and the second - according to the type of banknotes of the single European currency with nominal value signs in “conventional monetary units”. The utility model is aimed at increasing the degree of reliability of game modeling of real situational tasks in the field of banking services by improving the visibility and increasing the degree of similarity of game banknotes with real currency units in circulation, as well as increasing their service life by preventing accelerated mechanical wear material of game cards simulating banknotes.

Description

The utility model relates to the field of designing board games, in particular to educational economic games in the field of banking, and can be used as a visual training aid to familiarize participants with the main types of banking services provided by banks to the population in the Russian Federation, as well as training to use these services in practice in real life situations.

In addition, the game can be used for vocational guidance, mainly for graduate school students, with the aim of choosing their possible future profession.

The well-known board economic game “Anti-corruption” (see certificate No. 26753 for a utility model, class A 63 F 3/00, published December 20, 2002) contains a playing field with markup in the form of successive positions with marking of objects and situations and game elements, including sets of playing cards with game information printed on them, including simulating banknotes. The specified game is quite complicated and is intended mainly for specially trained participants.

The closest technical solution to the claimed one, taken as the closest analogue (prototype) of the utility model, is a board economic game (see the description of patent No. 2252553 for an invention, class A 63 F 3/04, publ. 2005.05.20), including a game markup field, manually movable chips, dice, cards, paper money, balls denoting blocks of shares, roulette with spinning

disk, and intended for use as a means of training and development of stock skills.

The disadvantage of the closest analogue (prototype) is the limited ability and inefficiency of using the specified economic game, including directly as a visual teaching aid, for the purpose of teaching children and adolescents in the school age range, including high school and graduate school students, the proper use of the main types banking services, due to its (prototype game) excessive formalization, great complexity due to the significant number of game elements, as well as its insufficient visual clarity and fragility due to the low degree of simulation of the banknotes used in the game (playing cards that simulate banknotes) and their extremely short life as the most worn out elements of the economic game, subject to accelerated mechanical wear due to their intensive contact with the surface of the hands of participants when transferring money simulating cards from hand to hand during an economic game.

The proposed utility model is aimed at eliminating the shortcomings of the closest analogue - the prototype, including improving its basic consumer properties (qualities), including - increasing the degree of reliability of game modeling of real situational problems in the field of banking services by improving the visibility and increasing the degree of similarity of game banknotes with real monetary units in circulation, as well as increasing their durability (increasing the service life), by preventing accelerated m mechanically wear proper material playing cards imitators banknotes.

At the same time, the task of creating a more simplified, visual and durable in circulation desktop economic game that allows you to use it, including as a visual training aid, for

teaching children and adolescents of the school age range, including senior and graduate school students, the proper use of the main types of banking services provided to the population, while cheapening the manufacture of the game (as an obvious teaching aid) during its mass production by reducing the number of individual game elements.

This is achieved by the fact that in the proposed board economic game containing a playing field with markup, game elements including game cards with game information, game cards playing the role of money, game chips for identifying game participants, and a random number generator in the form of a game cube, Unlike the closest analogue (prototype), game cards that play the role of money are made in the form of mainly double-sided banknotes made of flexible paper material of the “Lumi-art” type, mainly with glossy covered, and include at least two sets of imitation banknotes: the first - according to the type of tickets issued by the Bank of Russia with the nominal value signs in “monetary units”, for example, “500 monetary units”, and the second - according to the type banknotes of the single European currency with nominal signs of value in “conventional monetary units”, for example, “50 conventional monetary units”.

As part of each of the sets of banknotes that play the role of money, individual sets of banknotes can be provided with any nominal value signs applied to them, for example: for the first set - in the form of a series from 100 to 50,000 “monetary units”, and for the second - from 50 to 500 "conventional monetary units", respectively.

If necessary, the surface of the bill cards may be provided with a water-repellent coating, for example, a transparent polymer film.

One of the most convenient and effective in terms of the practical use of the game to achieve its main goals

creation is the main - the best option, in which the markup of the playing field is made in the form of interconnected game positions with information designation of banking services and situational tasks in the field of banking, one part of which forms the game path, in the form of a series of consecutively located, mainly around the perimeter of the game fields, positions with designations placed in them arbitrarily: “Traveler’s checks”, “Securities”, “Money transfer”, “Credit”, “Insurance”, “Credit payment”, “Drag precious metals ”,“ Individual safe ”,“ Deposit in rubles ”,“ Deposit in currency ”,“ Deposit ”,“ Credit cards ”,“ News ”, and the other - in the form of graphically separate game positions with the names of game stages:“ News ”,“ Sureties ”,“ Search for guarantors ”,“ Bank decision on granting a loan ”,“ Insurance ”,“ Obtaining a loan ”,“ Currency exchange point ”, while sets of the following game cards with the applied on them are provided as part of game elements information signs and / or prescribed actions regarding banking conditions ug and their value in “monetary units”: “Traveller's checks”, “Securities”, “Credit”, “Insurance”, “Credit payment”, “Precious metals”, “Individual safe”, “Deposit in rubles”, “Contribution in foreign currency”, “Deposit”, “Credit card”, “Sureties”, “News”, the latter being interconnected with the mentioned gaming positions by means of the established game rules.

The number of sets of game cards depending on the goals and complexity of the game, including for various cases and options for its use, including as a training tool, as well as in accordance with the rules of the game, may be more, less, or equal to the number of positions on the playing field.

In any of these options, the playing field can be made integral of separate rigid sheet elements, for example, collapsible or folding.

As a random number generator in the game using the usual "dice".

The essence of the utility model is illustrated by drawings and drawings, which schematically depict:

- figure 1 is a General view of the playing field with markup;

- figure 2 - game cards that play the role of money.

An example of a specific implementation of the claimed utility model is the “Board economic game“ Banking ”, which can be played by 3 to 5 people, a prototype of which is to test and use for the training of game participants the proper use of the main types of banking services provided by banks to the population in the territory The Russian Federation, including as a visual teaching aid, in a version designed for children and adolescents from 10 years of age and over was developed and implemented by New Generation LLC.

For a better understanding of the essence of the utility model, Appendix 1 to the description provides a general view in terms of the playing field with markup; in Appendix 2 - a general view of the gaming positions located along the field perimeter with informational designation of banking services and situational tasks in the field of banking that form the gaming path.

The game contains a game field 1 (see Fig. 1) with markup in the form of interconnected game positions with informational designation of banking services and situational tasks in the field of banking (see Appendix 1 to the description), one part of which forms a game path, in in the form of a series of positions 2, sequentially located, mainly around the perimeter of the playing field, with symbols placed in them in a random way (see Appendix 2 to the description): “Traveler's checks”, “Securities”, “Money transfer”, “Credit”, “Insurance "," Credit payment that ”,“ Precious metals ”,“ Individual safe ”,“ Deposit in rubles ”,“ Deposit in currency ”,“ Deposit ”,“ Credit cards ”,“ News ”(not indicated on the drawing), and the other (not shown marked) - in the form

placed in the middle part of the field selected graphically separate game positions with the names of the following stages of the game: “News”, “Sureties”, “Search for sureties”, “Bank decision on granting a loan”, “Insurance”, “Getting a loan”, “Exchange point currency ”(not indicated on the drawing); a set of distribution cards-simulations of banknotes of the type of tickets 3 (see figure 2) of the Bank of Russia in six sets: 100, 500, 1000, 5000, 10000 and 50,000 "monetary units"; a set of distribution cards-imitations of banknotes of the type of banknotes 4 (see figure 2) of the single European currency (the single currency of the European Union) in three sets: 50, 100, and 500 "conventional monetary units"; a set of game cards (not shown in the drawing) with informational signs and / or prescribed actions on them regarding banking services and their value in “monetary units”, for example: “Traveller's checks for the amount of CU 5000”, “Securities , the cost of 5000 CU, the income for one circle of 1000 CU "," Credit: a car, or an apartment, or a house, the first installment of 20,000 CU, the loan term of 6 circles, the contribution for a circle of 5000 CU . "," Insurance, insured - life and health, or a car, or an apartment, or a house, the cost of insurance is CU 100 "," Payment on a loan "," Drag precious metals, the value CU 5000, revenue for one lap CU500, "" safe, cost of CU100 per circle ”,“ Contribution in rubles, deposit amount 1000 CU, income per circle 200 CU ”,“ Deposit in currency, deposit amount 1500 cu, income per circle 300 c. CU ”,“ Deposit in the amount of CU 5000, income of CU 1000 upon maturity ”,“ Credit card in the amount of CU 5000, income per circle CU 500 ”,“ Sureties, yes - no ”,“ News, pay debts - CU 3000 ”; well-known game chips for moving them around the playing field (in the amount of 5 pieces - not shown in the drawing) and a dice (not shown in the drawing).

Sets of 3 and 4 banknote simulated cards are made in the form of reduced double-sided banknotes made of flexible paper material of the “lumi-art” type with a glossy finish on both sides.

The game position “Currency exchange point” (not indicated on the drawing) contains game information at the exchange rate in the form of symbols: “Purchase: CU 5 for 1 cu "and" Sale: 6 cu for 1 cu ".

In addition, the game package includes a separate brochure with the rules of the game and descriptions of banking services (operations) identified by means of information and graphic symbols in the form of game positions (see Appendix 2 to the description) and in the form of game cards with the corresponding symbols applied to them.

In the general case, the game is conducted as follows.

Before the start of the game, sets of cards are put with the title up: “News” and “Sureties” - at the corresponding positions of the field, the rest - next to the field.

The game begins with the players determining the banker and the bank's customers by rolling the die one by one (the banker becomes the one with the most points, the rest become the bank's customers.

The banker's tasks include: to give out at the beginning of the game to each player (client of the bank) 50,000 monetary units; keep all the necessary settlements with customers during the game; give each player 10,000 monetary units for each circle completed (the circle is considered completed if the player’s chip crossed the “Start of the game” cell); make payments of all income that a player must receive according to his cards, with each player passing a full circle; to charge the necessary fees for loans and other things with each player for all the cards he has available when the player passes the full circle.

The player makes all payments with the bank in one move - at the time of the next passage of the “Start of the game” cell, for which he needs to stop at the “Start of the game” cell, regardless of how many points fell on the top side of the cube.

All customers of the bank put chips on the “Beginning of the game” cell, then, by rolling the die, determine the sequence of moves.

Having received the right move, the player rolls the die, and then moves the chip by the number of positions (cells) equal to the number of points on the upper side of the die. Then it performs the action necessary for the cell on which it stopped.

If a player stops at a cell that requires several actions, he performs them in one move (the cells “Start the game”, “Credit”, “Deposit in currency”, “Money transfer”). For example, once on the “Credit” cell, a player goes through all the stages of the loan process in one move.

The player has the right to refuse the service that has fallen to him (except for the positions “Money transfer”, “News”), in this case he skips the next move. If the player, according to the conditions of the game, cannot use the service, he does not skip the next move.

Once in the Traveler’s Check box, a player can purchase checks in denominations of 1,000, 5,000 and 10,000 monetary units. The purchase of traveler’s checks is carried out according to the following rules:

CU1,000 check costs CU 1,100, a check of CU 5,000 costs CU5,500, a check of CU10,000 worth CU 11,000 Upon receiving the money, the banker issues the player with a Traveller's Card of the appropriate value.

If the player does not have cash, he can make payments by traveler’s checks according to the following rules:

If a player needs to pay CU 1000 - he gives a check in denominations of CU1,000, if CU5,000 - he gives a check of CU5,000 if CU10,000 - he gives a check worth CU 10,000 If the payment amount is less than the value of the card, the banker gives the player a change in cash. For example, if a player needs to pay CU300, he gives the banker a card of CU1,000, and the banker must give the change in cash - CU700.

If the game has a situation of theft or loss of a traveler’s check, it can be restored for 10% of the cost. That is, when restoring a check

in denominations of 1000 monetary units, it is necessary to deposit 100 monetary units into the bank in cash, etc.

Once in the "Securities" cell, the player can purchase them in the amount of 1,000, 5,000 and 10,000 monetary units. The banker issues him “Securities” cards for the appropriate amount and pays income for each round: securities worth CU1,000. generate income for each circle of CU 200; securities worth CU5,000 generate income for each circle of 1000 CU .; securities worth CU 10,000 generate revenue for each circle of CU 2000

Information on cost and profitability is reflected on the respective cards.

In the absence of cash, the player can make payments in securities according to the following rules: if the player needs to pay CU1,000 - he must give the “Securities” card worth CU1,000, if CU5,000 - he gives the “Securities” card worth CU5,000 if CU10,000 - he gives the “Securities” card worth CU 10,000. If the payment amount is less than the value of the card, the banker gives the player a change in cash. For example, if a player needs to pay CU 300, he gives the banker a card of CU 1000, the banker must give the player a cash change of CU 700.

Once in the “Money Transfer” box, the player must either transfer money or receive a transfer. This is determined by throwing a die. If an even number of points (2, 4 or 6) falls on the dice, then the player receives a transfer, if the number of points is odd (1, 3 or 5), the player makes a transfer. To determine the transfer amount, the drawn number must be multiplied by 1000 CU, for example: 2 points have fallen, therefore, the player receives CU 2000 etc.

If a player needs to receive a transfer, the banker will issue the corresponding amount.

A player transfers money by the following rules: in order to transfer CU1,000, the player must give CU1,100 in cash; in order to transfer CU3,000, the player must give the banker in cash CU3,300 .; in order to transfer CU5,000, a player must give CU5,500 in cash to the banker

Once in the “Credit” cell, a player can purchase a car, apartment or house, the cost of which is: a car - CU 50,000, an apartment - CU 75,000, a house - CU 100,000

The first payment for the acquired property is: a car - CU 20,000, an apartment - CU 40,000, a house - CU 60,000

In this game, any property (car, apartment and house) can be acquired only on credit. The acquisition of property may occur in any order.

After choosing the acquired property, the player has to go through the process of obtaining a loan, which consists of the following steps:

1. Search for guarantors. The player takes the top three “Guarantors” cards, if all three answers are positive - the player proceeds to the “Bank decision on granting a loan” stage, if at least one answer is negative - the player cannot receive a loan, he returns to the “Credit” cell, and the move transferred to the next player. The “Sureties” cards used by the player are returned down the piles.

2. The decision of the bank to issue a loan. The player rolls a die if 6 points are dropped, the player is denied a loan, any other numbers give the right to receive a loan. In case of bank failure, the move is transferred to the next player, and the player who has not received a loan is returned to the “Credit” cell, where he stopped before.

3. Insurance (CU1,000 for a car, CU2,000 for an apartment, CU3,000 for a house - see the "Insurance" section). The player receives the appropriate "Insurance" card.

4. Getting a loan. The player makes a down payment to the bank (CU 20,000 per car, CU 40,000 per apartment, CU 60,000 per house). The banker gives the player a card that indicates: the loan amount, the contribution that the player must pay, passing each round, and the loan term (number of circles), as well as the number of Credit Payment cards corresponding to the loan term. By paying the next installment for the loan, the player gives the banker along with the money and one card “Credit payment”.

Credit payments can only be made on the “Start the game” box. Loans are issued for the following periods: car - 6 circles, an apartment - 7 circles, a house - 8 circles.

Until a player gives one credit, he cannot take a new one. In this case, getting to the “Credit” cell, the player does not miss the next move.

The player can repay the loan ahead of schedule, in this case the player returns the amount equal to the purchase price minus the down payment, minus CU 2000 per vehicle, minus CU 4000 per apartment, minus CU 6000 for the house.

For example, a player decides to repay a car loan ahead of schedule, for this he needs to use the following calculation rules: CU50000 (car value) - CU 20,000 (first installment for a car) = CU 30,000 (balance to pay for the car) - CU 2,000 = CU 28,000 (the total amount to pay for the car with an early repayment of the loan).

If the player received a loan for something, he must insure the acquired property, the cost of insurance: car = CU 1000, apartment = CU 2000, house = CU 3000 paid once per game.

Once in the "Insurance" cell, the player can voluntarily insure his life and health. 5,000 currency insurance costs CU100 for the whole game. If a player has already insured his life, getting to the "Insurance" cell, he should not miss a move.

Once in the Precious Metals cell, a player can purchase them in the amount of 1,000, 5,000 and 10,000 monetary units. The banker gives him a Precious Metals card for the appropriate amount and for each round

pays income: precious metals worth CU 1000 generate income of CU 200 for each circle; precious metals worth CU5,000 generate income of CU 500 for each circle; precious metals worth CU 10,000 generate income of CU 1000 for each circle.

In the absence of cash, the player can make payments with precious metals according to the following rules: if the player needs to pay CU1,000 - he must give the Precious Metals card worth CU1,000, if CU5,000 - he gives a card of CU5,000 if CU10,000 - he gives a card worth CU 10,000 If the payment amount is less than the value of the card, the banker gives the player a change in cash. For example, if a player needs to pay CU300, he gives the banker a card of CU1,000, the banker must give the player a cash change of CU700.

If the situation of theft of precious metals occurs in the game and the player did not use the “Individual Safe” service, precious metals cannot be restored.

Once in the “Individual Safe” cage, a player can purchase for CU100 card "Individual safe" and thereby protect his money, precious metals, securities. After completing the circle, the player can extend the period of use of the safe for the next circle or refuse it. The cost of the “Individual Safe” service is CU100 in one lap.

If a player already has a safe, getting to the “Individual safe” cage, he should not miss a move.

Once in the “Contribution in rubles” cell, the player can deposit the available monetary units in the bank in the following amounts: CU1,000, CU5,000 and CU10,000. In return for the money given, the banker gives the player a “Deposit in rubles” card with the corresponding deposit amount. A contribution in rubles brings the player the following income for each round: a contribution in the amount of CU 1000 generates income of CU 200 for each circle; contribution of CU5,000 generates income of CU 500 behind

each circle; contribution of CU 10,000 generates income of CU 1000 for each circle.

Once on the “Deposit in Currency” cell, a player can put in his bank the available monetary units in the following amount: CU3,000, CU 6,000, and CU 9,000. To do this, you need to buy currency from the bank for this amount - conventional monetary units. For example: CU3000 player gains 500 cu at the currency exchange point at the bank rate in the "Sale" window and only after that puts them in the bank. In exchange, the banker gives the player a “Deposit in Currency” card for the appropriate amount. A contribution in currency brings the player the following income for each round: if a player invests 500 cu, he receives 100 cu for each circle; if a player invests 1000 cu, he receives for each circle 200 cu; if a player invests 1,500 cu, he receives 300 cu for each round

The player must immediately exchange the received income for rubles at the currency exchange office at the established rate in the "Purchase" window.

Once in the “Deposit” cell, the player can put the following amounts into the bank for 2 rounds: 1000, 5000 and 10000 monetary units, which will bring income after the deposit has expired. The banker gives him the appropriate card.

Money deposited guarantee the following income: CU1,000 will bring CU 200, CU 5,000 bring 1000 CU and CU 10,000 will bring CU 2000 upon the expiration of the deposit (after 2 laps).

The passage of the circle is considered the intersection of the player’s chip in the “Start of the game” cell, even if this happens on the next turn.

Once in the “Credit Cards” cell, a player can purchase credit cards from the bank in the amount of 1,000, 5,000 and 10,000 monetary units. The banker gives him a “Credit Card” card for the appropriate amount.

Money deposited on a credit card brings the following income: CU1,000 brings 100 CU for each circle, CU5,000 - CU 500 for each circle and CU 10,000 - 1000 CU for each circle. When paying current expenses with

credit card, credit card is replaced with monetary units, after which the necessary calculations are made.

Once in the "News" position, the player takes the top "News" card and performs the actions indicated on it, then puts the card down the piles.

If a situation arises where the player has nothing to pay, he is eliminated from the game as a loser.

The winner of the game is the one who was the first to pay the full loan for a car and an apartment or for a car and a house.

Claims (3)

1. A board economic game containing a playing field with markup, game elements including game cards with game information, game cards that play the role of money, game chips for identifying game participants and a random number generator in the form of a game die, characterized in that the game cards playing the role of money, made in the form of mainly double-sided banknotes of flexible paper material such as “lumi-art”, mainly with a glossy finish, and include at least two sets of imitating cards of banknotes: the first - according to the type of tickets of the Bank of Russia with the nominal value signs in “monetary units” printed on them, for example, “500 monetary units”, and the second - according to the type of banknotes of the single European currency with nominal value signs in “conventional monetary units ", for example," 50 conventional currency units. " 2. The game according to claim 1, characterized in that the marking of the playing field is made in the form of interconnected gaming positions with information designation of banking services and situational tasks in the field of banking, one part of which forms a game path, in the form of a series of consecutively located along the perimeter of the playing field, positions with the symbols placed in them in a random way: "Travelers checks", "Securities", "Money transfer", "Credit", "Insurance", "Credit payment", "Precious metals", "Individual from yf "," Deposit in rubles "," Deposit in currency "," Deposit "," Credit cards "," News ", and the other - in the form of graphically separate game positions with the names of the stages of the game:" News "," Sureties " , "Search for guarantors", "Bank decision on granting a loan", "Insurance", "Getting a loan", "Currency exchange point", while the game elements include sets of the following game cards with informational signs and / or prescribed on them actions in relation to banking services and their value in "monetary units": "Road eki "," Securities "," Credit "," Insurance "," Credit payment "," Precious metals "," Personal safe "," Deposit in rubles "," Deposit in currency "," Deposit "," Credit card "," Sureties "," News ", the latter being interconnected with the mentioned game positions by means of the established game rules. 3. The game according to claim 1 or 2, characterized in that as part of each of the sets of banknotes that play the role of money, there are separate sets of banknotes with nominal value signs printed on them, for example: for the first in the form of a series from 100 to 50,000 “monetary units”, and for the second - from 50 to 500 “conventional monetary units”, respectively, while the surface of banknotes is equipped with a water-repellent coating, for example, a transparent polymer film.