WO2009065258A1

WO2009065258A1 - Pos machine system and method for welfare sports lottery betting

Info

Publication number: WO2009065258A1
Application number: PCT/CN2007/003307
Authority: WO
Inventors: Kamfu Wong
Original assignee: Kamfu Wong
Priority date: 2007-11-22
Filing date: 2007-11-22
Publication date: 2009-05-28
Also published as: CN101918974A

Abstract

A POS machine system and method for welfare sports lottery betting utilize a POS machine (1) as a tool of betting and fetching the prize for welfare sports lottery, horse racing, gamble and so on. When betting, the betting information is inputted and a user bank card (2) is swiped by the POS machine (1), sending the betting information and the swiping card data to a betting computer system (4) to perform the betting through a payment network (3) by the POS machine (1), and the betting sum is transferred from the account of the card (2) to the account of the betting institution through the payment network (3) by the betting computer system (4), then the betting affirmance information is sent to the POS machine (1) through the payment network (3), and a receipt is printed to the user by the POS machine (1).

Description

POS machine system and method for welfare sports lottery gambling betting [Technical Field]

The present invention relates to the field of data processing and communication technologies, and in particular to a system and corresponding method for performing betting on sports lottery, horse racing, gambling, etc. using a POS machine. 【Background technique】

With the rapid development of the Internet and e-commerce, the development of electronic payment is very rapid. Due to the convenience of use and the need to carry large amounts of cash, more and more people use electronic payment. The most common is that customers use various bank cards. P0S machine card payment, currently only a small scale of merchants, most of them have P0S machine system, as of the end of 2006, there are 890,000 P0S machines in China, P0S machine coverage is very large, but the current general P0S The machine system can only be used for the purpose of collecting money from customers, and does not fully utilize the resources of the existing POS system. At present, general welfare sports lottery, horse racing, gambling and other institutions generally set up some outlets to accept betting. These outlets are usually located in places where people are busy. Users have to go to these outlets to bet on welfare sports lottery, horse racing, Gambling, etc., very inconvenient.

[Summary of the Invention]

SUMMARY OF THE INVENTION It is an object of the present invention to provide a POS machine betting system and a corresponding method for utilizing a P0S machine for betting and redemption of welfare sports lottery, horse racing, gambling, and the like.

The object of the present invention is achieved by using such a POS machine betting system for betting sports lottery, horse racing, gambling, etc., characterized in that the system includes a POS machine (1) installed in each merchant. Bank card (2), payment network (3), gaming system (4) of the gaming institution, wherein the P0S machine (1) installed in each merchant is connected with the payment network (3), and the payment network (3) Connected to the gaming computer system (4) of the gaming establishment, It also operates according to a predetermined procedure to achieve the functions of pre-selling lottery tickets, betting bets, redemption betting bonuses and the like.

And, adopting such a betting method by the POS machine for betting on welfare sports lottery, horse racing, gambling, etc., using the POS betting system described above, characterized in that the method comprises: through a POS machine (1) Enter the user's bet information, and read the card information of the bank card (2) through the POS machine (1), and transfer the bet information and the card data to the gaming computer through the payment network (3) by the POS machine (1). System (4) bets, the gaming computer system (4) transfers the total amount of money from the bank account of the bank card (2) through the payment network (3) to the betting office's collection account, and then through the payment network (3) The bet confirmation information is transmitted to the POS machine (1), and the receipt of the bet confirmation information is printed by the POS machine (1) to the user, and the bet information includes bet items, bet amount and the like, and the bet confirmation is performed. The information includes bet information and verification information.

And, adopting such a betting method by the POS machine for betting on welfare sports lottery, horse racing, gambling, etc., using the POS machine betting system described above, characterized in that the method comprises: the merchant charges the user a bet The total amount of cash, and the user's bet information is input through the POS machine (1), and the bet information is transmitted by the POS machine (1) to the gaming computer system (4) through the payment network (3) for betting, gaming computer system (4) Transfer the total amount of money from the bank account of the merchant corresponding to the P0S machine (1) to the betting office's collection account, and then transmit the bet confirmation information to the P0S machine via the payment network (3) (1) The receipt of the bet confirmation information is printed by the POS machine (1) to the user, the bet information includes a bet item, a bet amount, and the like, and the bet confirmation information includes bet information and verification information.

And adopting such a method for cashing a betting bonus through a POS machine for betting on a welfare sports lottery, horse racing, gambling, etc., using the POS betting system described above, wherein the method comprises: passing the POS machine (1) Enter the verification information on the receipt of the winning bet record, and the bet record will be transmitted to the gaming computer system (4) via the payment network (3) by the P0S machine (1) to request the redemption, the gaming computer system ( 4) Check the bet record corresponding to the verification information After the winning is confirmed, the bonus corresponding to the bet record is deposited into the bank account of the merchant of the P0S machine (1) through the payment network (3), and then the redemption success information is transmitted to the P0S machine through the payment network (3). (1), the receipt of the redemption success information is printed by the P0S machine (1), and the merchant of the P0S machine (1) counts the money with the bonus amount on the receipt to the bet record holding the winning The person who receives the receipt, and receives the bet record receipt of the winning ticket as the settlement voucher, and the redemption success information includes the winning bet record and the bonus amount and the like.

This achieves the object of the present invention.

The advantage of the present invention is that it makes full use of the existing resources of the existing POS machine and the payment network, and provides services such as convenient sports lottery, horse racing, gambling and other betting and redemption.

[Description of the Drawings]

1 is a schematic explanatory view showing the structure of a POS machine betting system of the present invention;

Figure 2 is a schematic diagram showing the structure of a payment network (3) of the POS betting system of the present invention;

Figure 3 is a schematic illustration of the steps for betting using the P0S machine betting system;

Figure 4 is a schematic illustration of the steps for cash betting using the P0S machine betting system; Figure 5 is a schematic illustration of the steps for redeeming with the P0S machine betting system;

6 is a schematic explanatory diagram of a structure of a POS machine betting system to which a telephone network (5) is added; FIG. 7 is a schematic explanatory diagram of a step of performing a bet using the POS machine betting system of FIG. 6. FIG. 8 is a bet using the POS machine of FIG. FIG. 9 is a schematic explanatory diagram of a structure of a POS machine betting system to which an internet (7) is added; FIG. 10 is a schematic explanatory diagram of a step of performing a bet using the POS machine betting system of FIG. 9; Figure 11 is a schematic illustration of the steps for cash betting using the POS betting system of Figure 9. In the figures, the same numerals represent the same systems, devices, and components. The method steps are indicated by the number of the circle and the line with the arrow. The drawings are schematic to illustrate the main steps of the construction and method of the system of the present invention.

【detailed description】

The method of the present invention will be further described in detail below with reference to the accompanying drawings.

Referring to Figure 1, Figure 1 is a schematic diagram showing the structure of a POS machine betting system of the present invention. The system shown in the figure includes a POS machine (1), a bank card (2), and a payment network installed in each merchant.

(3) Gaming computer system (4) of the gaming institution, wherein the P0S machine (1) installed in each merchant is connected with the payment network (3), the payment network (3) and the gaming computer system of the gaming institution (4) ) Phased telecommunications, and operated according to a predetermined procedure to achieve the functions of pre-sale lottery, betting, redemption and bonus.

among them,

The gaming computer system (4) is mainly used for managing betting matters, redemption and the like. The POS machine (1), in addition to providing a general payment function, includes: receiving bet information of the user, and/or reading the card information of the user's bank card (2), and/or placing the bet information and Swipe data to the payment network (3), and/or receive by the gaming computer system

(4) the bet confirmation information transmitted, and/or the receipt of the printed bet confirmation information; and, the bet confirmation information includes verification information for authenticating the bet record, the verification information including text information and / or digital information and / or bar code information and / or two-dimensional bar code information.

The bank card (2) is a magnetic card or a smart card used as an account voucher when the user uses the payment, and includes a credit card, a debit card, a credit card, a withdrawal card, a withdrawal card, and a credit card issued by a bank or a financial institution or a credit card company. Stored value card, charge card, card for payment purposes.

Referring to FIG. 2, FIG. 2 is a schematic diagram showing the structure of a payment network (3) of the POS machine betting system of the present invention. The payment network (3) shown in the figure includes a payment gateway (301), one or more The acquiring bank (302), one or more card issuing banks (303), wherein the payment gateway (301) is connected with each acquiring bank (302) and each issuing bank (303) to realize the user's bet, by paying The gateway (301) transfers the money from the user's bank card (2) in the account of the issuing bank (303) to the betting office's collection account. In this specification, the payment gateway

(301) is a bank card acceptance network such as a bank card payment network. The payment gateway (301) may be a bank card acceptance network such as China UnionPay card network, VISA network, MasterCard network, American Express card network, and the like. In this manual, the acquiring bank (302) is providing the P0S machine.

(1) to the merchant's bank or financial institution, and the issuing bank (303) is to issue the bank card to the user

(2) A bank or financial institution. Under normal circumstances, the same bank or financial institution can act as both an acquiring bank (302) and a issuing bank (303). For the sake of explanation, all in this specification. The bank or financial institution that will provide the POS machine to the merchant is called the acquiring bank.

(302), and the bank or financial institution that will issue the bank card (2) to the user is called the issuing bank.

(303), even if the acquiring bank (302) and the issuing bank (303) are the same bank or financial institution, they are described in the present specification by the acquiring bank (302) and the issuing bank (303) respectively according to the functions provided by them. . In addition, the acquiring bank (302) can also be associated with the payment gateway (301). The same bank or financial institution, that is, the acquiring bank (302) is both the acquiring bank and the bank card receiving network, regardless of the acquiring bank ( 302) Whether the same bank or financial institution, or the acquiring bank (302) and the payment gateway (301) are the same bank or financial institution, and the purpose of the present invention is well achieved. The scope of protection of the present invention.

In addition, the POS machine (1) described in this manual can be a wireless POS machine with a built-in mobile phone module, in addition to a general wired POS machine, that is, a mobile phone module is provided in the POS machine (1). And the SIM card, and the POS machine (1) is connected to the payment network (3) via a mobile telephone network.

Continue to Figure 1 and Figure 2, which shows the gaming computer system (4) and payment network.

(3) It is connected by telecommunications, and the gaming computer system (4) and the payment network (3) can adopt any of the following three connection methods: 1. Gaming computer system (4) Connect to the payment gateway in the payment network (3)

(301), Gaming Computer System (4) through payment gateway (301) and acquiring bank

(302) receiving bet information transmitted from the POS machine (1);

2. Gaming computer system (4) Connected to the acquiring bank (302) in the payment network (3), the gaming computer system (4) receives the acquiring bank through the acquiring bank (302)

(302) P0S machine (1) sent bet information;

3. Gaming computer system (4) Connect to the issuing bank in the payment network (3)

(303), the gaming computer system (4) receives bet information transmitted by different acquiring banks (302) through the issuing bank (303) and the payment gateway (301); any one of the above three connection methods can be The object of the invention is well achieved and is within the scope of the invention.

In terms of settings, the gaming computer system (4) can be set up in the gaming institution, or can integrate the functions of the gaming computer system (4) into the computer system of the payment gateway (301), or the function of the gaming computer system (4). Integration into the computer system of the acquiring bank (302), or integrating the functions of the gaming computer system (4) into the computer system of the issuing bank (303), which can reduce the cost of the server and achieve good results. The objects of the present invention are all within the scope of protection of the present invention.

Further, in the present specification, in the description of the POS operation of the user's bank card (2) by the POS machine (1), the card swipe operation includes the following steps:

Step 1. Put the user's bank card (2) on the P0S machine (1) to read the card. Generally speaking, this step is to swipe the card;

Step 2. The user enters the payment password of the bank card (2) in the P0S machine (1); Step 3. P0S machine (1) The step of the user signing the payment receipt after printing the payment receipt;

When the user uses a bank card such as a debit card, the card swiping operation may include the above steps 1 and 2, and the card swiping operation may also include the above steps 1 and 2 and steps. 3; When the user uses a bank card such as a credit card, the card swiping operation may include the above steps 1 and 2, and the card swiping operation may also include the above steps 1 and 3; different types of bank cards are different. The requirements, in the card swiping operation, some bank cards need to carry out steps 1 and 2, some bank cards need to perform steps 1 and 3, some bank cards need to perform step 1 and steps 2 and 3, for convenience of explanation, regardless of The card swipe operation includes steps 1 and 2, or the swipe operation includes steps 1 and 3, or the swipe operation includes step 1 and step 2 and step 3. In this specification, it is simply referred to as a swipe operation, which is good. The objects of the invention are all within the scope of the invention.

Referring to Figure 3, Figure 3 is a schematic illustration of the steps for betting using the POS betting system. The figure shows the betting method by which the user places a bet through the POS machine (1) and pays the bet with the bank card (2). The method includes: inputting the user's bet information through the POS machine (1), and reading the credit card information of the bank card (2) through the POS machine (1), and the bet information and the credit card data are recorded by the POS machine (1). Betting through the payment network (3) to the gaming computer system (4), the gaming computer system (4) transfers the total amount of money from the bank account of the bank card (2) through the payment network (3) to the gaming institution In the collection account, the bet confirmation information is then transmitted to the POS machine (1) through the payment network (3), and the receipt of the bet confirmation information is printed by the POS machine (1), the bet information includes the bet item, The bet amount and the like, the bet confirmation information includes bet information and verification information.

Continuing to refer to FIG. 3, the method shown in the figure includes the following group A steps, which are steps in which the user places a bet through the POS machine (1) and pays the bet money by the bank card (2). The specific steps are as follows:

A1. The merchant or user inputs the user's bet information through the P0S machine (1), and puts the user's bank card (2) on the P0S machine (1) for card swipe operation, and the P0S machine (1) reads the bank card (2) Card information, the bet information includes bet items, bet amount, and the like, and the card information includes bank account number and/or payment password of the bank card (2); A2. POS machine (1) The bet information and credit card information are transmitted to the gaming computer system (4) through the payment network (3) for betting;

A3. Gaming computer system (4) After checking the bet information, calculate the total amount of bets payable according to the content of the bet information, and then the gaming system (4) will collect the credit card information, the total amount of the bet, and the collection of the gaming institution. The account number and other data are transmitted to the issuing bank (303) in the payment network (3) to request payment;

A4. The issuing bank (303) in the payment network (3) checks the credit card information and the total amount of bets. After correct, transfer the total amount of money from the bank account of the bank card (2) to the betting office's collection account. After the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4);

A5. Gaming computer system (4) accept the bet of the bet information, then transmit the bet confirmation information to the POS machine (1) through the payment network (3), and store the bet information and the bet confirmation information in the gaming computer system. (4) inside;

A6. P0S machine (1) The receipt of the bet confirmation information is printed to the user, and the bet confirmation information includes bet information and verification information.

Referring to FIG. 4, FIG. 4 is a schematic explanatory diagram of a step of performing cash betting using a POS machine betting system, which shows a bet method in which a user places a bet through a POS machine (1) and pays a bet amount in cash. Including: The merchant collects the cash of the total amount of the bet from the user, and inputs the bet information of the user through the POS machine (1), and the bet information is transmitted by the POS machine (1) to the gaming computer system through the payment network (3) (4) Bet, the gaming computer system (4) transfers the total amount of money from the bank account of the merchant corresponding to the POS machine (1) to the betting office's collection account, and then confirms the bet through the payment network (3) It is transmitted to the POS machine (1), and the POS confirmation message is printed by the POS machine (1) to the user. The bet information includes a bet item, a bet amount and the like, and the bet confirmation information includes the bet information and the school. Test information. Referring to FIG 4, in the method shown in FIG. ₁ ^ Group B comprises the following steps are performed by the user P0S machine (1) bets and bet cash payment step, the specific steps are as follows:

B1. The merchant collects the cash of the total amount of the bet from the user, and inputs the bet information of the user through the P0S machine (1), the bet information includes betting items, bet amount and the like;

B2. P0S machine (1) The bet information and the P0S machine (1) number and other data are transmitted to the gaming computer system (4) through the payment network (3) for betting;

B3. Gaming computer system (4) After checking the bet information, calculate the total amount of bets payable according to the content of the bet information, and then the gaming computer system (4) will number the P0S machine (1), bet total amount, betting The information such as the collection account number of the institution is transmitted to the acquiring bank (302) in the payment network (3) to request payment;

B4. The acquiring bank (302) in the payment network (3) finds the bank account of the merchant corresponding to the P0S machine (1) number from the P0S machine (1) number, and checks the total amount of the bet after the bank account is correct. Transfer the total amount of money to the betting office's collection account; after the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4);

B5. The gaming computer system (4) accepts the bet of the bet information, and then transmits the bet confirmation information to the P0S machine (1) through the payment network (3), and stores the bet information and the bet confirmation information in the gaming computer system. (4) inside;

B6. P0S machine (1) The receipt of the bet confirmation information is printed to the user, and the bet confirmation information includes bet information and verification information.

Continuing to refer to FIG. 3 and FIG. 4, the embodiment of FIG. 3 and FIG. 4 differs in the payment method of the user. In the embodiment of FIG. 3, the user pays the bet with his own bank card (2), and FIG. 4 In the embodiment, the merchant collects the user's cash bet money, and then the merchant pays the bet money by transferring the bank account. When the user is betting on the item, if the user is using the bet method of the embodiment of FIG. 3, the gaming computer system (4) can directly deposit the winning prize into the use. The bank account of the bank card (2) of the household, if the user is using the bet method of the embodiment of Fig. 4, the user will use the method of the embodiment shown in Fig. 5 below to redeem the prize.

Referring to FIG. 5, FIG. 5 is a schematic explanatory diagram of a step of performing a redemption using a POS machine betting system, which shows a method for a user to redeem a prize through a POS machine (1), and the method includes: input through a POS machine (1) The winning bet records the check information on the receipt, and the P0S machine (1) transmits the bet record through the payment network (3) to the gaming computer system (4) to request the redemption, and the gaming computer system (4) checks the school. After the bet record corresponding to the information is the winning, the bonus corresponding to the bet record is deposited into the bank account of the merchant of the P0S machine (1) through the payment network (3), and then the redemption is successful through the payment network (3). The information is transmitted to the P0S machine (1), and the receipt of the redemption success information is printed by the P0S machine (1), and the merchant of the P0S machine (1) counts the money with the bonus amount on the receipt. The person who has the winning bet record receipt, and receives the winning bet record receipt as the settlement voucher, and the redemption success information includes the winning bet record and the bonus amount and the like.

Continuing to refer to FIG. 5, the method shown in the figure includes the following group C steps, which are steps for the user to receive the winning bet record in the P0S machine (1), and the specific steps are as follows:

C1. The user submits the winning bet record receipt to the merchant, and the merchant inputs the verification information on the receipt of the winning bet record through the P0S machine (1);

C2. P0S machine (1) Pass the verification information and P0S machine (1) number through the payment network

(3) Transfer to the gaming computer system (4) Request for redemption;

C3. The gaming computer system (4) verifies that the bet record corresponding to the verification information is the winning one, and deposits the corresponding bonus of the bet record into the merchant corresponding to the number of the P0S machine (1) through the payment network (3) Bank account;

C4. Gaming computer system (4) Transfer the success information of the redemption to the P0S machine through the payment network (3) (1);

C5. P0S machine (1) prints the receipt of the redemption success information, the merchant counts the money with the bonus amount on the receipt, and receives the winning bet record receipt as settlement The voucher, the redemption success information includes the winning bet record and the bonus amount and the like.

Referring to FIG. 6, FIG. 6 is a schematic explanatory diagram of a structure of a POS machine betting system to which a telephone network (5) is added, which is a further improvement of the present invention. Compared with the system shown in FIG. 1, the system shown in FIG. Also included is a telephone network (5), the telephone network (5) consisting of a fixed line telephone network, and/or a mobile telephone network, and the like, and the gaming computer system (4) is associated with the telephone network (5) Telecommunications connection, gaming computer system (4) Receives betting project data sent from the user's mobile phone (6) via the telephone network (5).

Referring to FIG. 7, FIG. 7 is a schematic explanatory diagram of a step of performing bet by using the POS machine betting system of FIG. 6. The method shown in the figure includes the following group D steps, in which the user transmits the bet item data to the bet in advance using the mobile phone (6). The computer system (4), then the betting through the POS machine (1), and the payment of the bet amount by bank card (2), the specific steps are as follows:

D1. User uses mobile phone (6) Use bet or MMS to put betting project data through telephone network

(5) Transfer to the gaming computer system (4), the gaming computer system (4) After receiving the SMS or MMS message, find the user's mobile phone (6) from the source phone number of the SMS or MMS message, and find the content from the SMS or MMS message. After the user's bet item data is checked, the betting computer system (4) stores the user's mobile phone (6) phone number and the user's bet item data in the gaming computer system (4), the bet item data Including betting items, bet amount and other information;

D2. The merchant or user inputs the user's bet information through the POS machine (1), and puts the user's bank card (2) on the P0S machine (1) for card swipe operation, and the P0S machine (1) reads the bank card (2) Swipe information, the bet information includes the user's mobile phone

(6) The telephone number, the payment amount, etc., the card-swapping information includes the bank account number and/or payment password of the bank card (2);

D3. P0S machine (1) The bet information and credit card data are transmitted to the gaming computer system (4) through the payment network (3) for betting; D4. Gaming computer system (4) Find the user's mobile phone (6) from the bet information (6) Phone number, payment amount, etc., and find the bet item corresponding to the phone number in the stored record from the user's mobile phone (6) phone number. Data, calculate the total amount of bets payable according to the content of the bet item data, check the total amount of the bet and the payment amount, the gaming computer system (4) will describe the card information, the total amount of the bet, the collection account number of the gaming institution The data is transmitted to the issuing bank (303) in the payment network (3) to request payment;

D5. The issuing bank (303) in the payment network (3) checks the credit card information and the total amount of the bet, and transfers the total amount of money from the bank account of the bank card (2) to the collecting account of the gaming institution. After the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4) _;

D6. The gaming computer system (4) accepts the bet of the bet information, and then transmits the bet confirmation information to the POS machine (1) through the payment network (3), and stores the bet information and the bet confirmation information in the gaming computer. Within the system (4), and delete the bet item data;

D7. P0S machine (1) Print the receipt of the bet confirmation message to the user.

Referring to FIG. 8, FIG. 8 is a schematic explanatory diagram of a step of performing cash betting by using the POS machine betting system of FIG. 6. The method shown in the figure includes the following E group steps, in which the user transmits the bet item data to the mobile phone (6) in advance. The betting computer system (4), then betting through the POS machine (1), and paying the bet in cash, the specific steps are as follows:

E1. The user uses the mobile phone (6) to send the bet project data via SMS network (5) to the gaming computer system (4) by SMS or MMS, and the gaming computer system (4) after receiving the SMS or MMS message, the source of the SMS or MMS The phone number finds the user's mobile phone (6) phone number, finds the user's bet item data from the content of the SMS or MMS message, and checks the bet item data is correct, the gaming computer system (4) will charge the user's mobile phone (6) The phone number and the user's bet item data are stored in the gaming computer system (4), and the bet item information includes betting items, bet amount and the like;

E2. The merchant collects the cash of the total amount of the bet from the user, and inputs the bet information of the user through the P0S machine (1), the bet information includes the user's mobile phone (6) telephone number, and the amount of payment;

E3. P0S machine (1) The bet information and the P0S machine (1) number and other data are transmitted to the gaming computer system (4) through the payment network (3) for betting;

E4. Gaming computer system (4) Find the user's mobile phone (6) from the bet information (6) Phone number, payment amount, etc., and find the bet item corresponding to the phone number in the stored record from the user's mobile phone (6) phone number Data, calculate the total amount of bets payable according to the content of the bet item data, check the total amount of the bet and the payment amount, the gaming computer system (4) will number the P0S machine (1), the total amount of the bet, the gaming institution The payment account number and the like are transmitted to the acquiring bank (302) in the payment network (3) to request payment;

E5. The acquiring bank (302) in the payment network (3) finds the bank account of the merchant corresponding to the P0S machine (1) number from the P0S machine (1) number, and checks the total amount of the bet after the bank account is correct. Transfer the total amount of money to the betting office's collection account; after the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4);

E6. The gaming computer system (4) accepts the bet of the bet information, and then transmits the bet confirmation information to the POS machine (1) through the payment network (3), and stores the bet information and the bet confirmation information in the gaming computer. Within the system (4), and delete the bet item data;

E7. P0S machine (1) Print the receipt of the bet confirmation message to the user.

Referring to Fig. 9, Fig. 9 is a schematic explanatory view showing the structure of a POS machine betting system to which an internetwork (7) is added, which is a further improvement of the present invention. Compared with the system shown in Fig. 1, Fig. 9 shows The system also includes an internetwork (7), the internetwork (7) is connected to the gaming computer system (4), and the gaming computer system (4) receives the user's internet terminal through the internet (7) (8) ) An email with information on betting items sent.

Referring to FIG. 10, FIG. 10 is a schematic explanatory diagram of a step of performing bet using the POS machine betting system of FIG. 9. The method shown in the figure includes the following group F step, in which the user transmits the bet item data to the internet terminal (8) in advance. Gaming computer system (4), then betting through the POS machine (1), and paying the bet money with the bank card (2), the specific steps are as follows:

F1. The user uses the Internet terminal (8) to send the bet project data to the gaming computer system via the Internet (7) by email (4);

F2. Gaming Computer System (4) After receiving the email, find the sender's email address and bet item data from the email content, check the bet item data, and immediately generate a unique index number, then the gaming computer system (4) Sending the index number to the sender email address by email, and the gaming computer system (4) stores the index number and the user's bet item data in the gaming computer system (4), the bet item The information includes the bet item, the amount of the bet, etc.; F3. After receiving the reply email sent by the gaming computer system (4), the user finds the index number from the email content, and then the user inputs the user's bet information through the POS machine (1). , and put the user's bank card (2) on the P0S machine (1) for card swiping operation, and the P0S machine (1) reads the card card information of the bank card (2), the bet information includes the index number and the payment amount. And the information, the card information includes a bank account number and/or a payment password of the bank card (2);

F4. P0S machine (1) The bet information and credit card information are transmitted to the gaming computer system (4) through the payment network (3) for betting;

F5. Gaming computer system (4) Find the index number, payment amount and other information from the bet information, find the betting item data corresponding to the index number from the stored record from the index number, and calculate the payable according to the content of the bet item data. Bet total amount, check total bet After the amount and the payment amount are correct, the gaming computer system (4) transmits the credit card information, the total amount of the bet, the collection account number of the gaming institution, and the like to the issuing bank (303) in the payment network (3) to request payment;

F6. The issuing bank (303) in the payment network (3) checks the credit card information and the total amount of the bet, and transfers the total amount of money from the bank account of the bank card (2) to the collecting account of the gaming institution. After the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4) _;

F7. Gaming computer system (4) accept the bet of the bet information, then transmit the bet confirmation information to the POS machine (1) through the payment network (3), and store the bet information and the bet confirmation information in the gaming computer system. (4) inside;

F8. P0S machine (1) Print the receipt of the bet confirmation message to the user.

Referring to FIG. 11, FIG. 11 is a schematic explanatory diagram of a step of performing cash betting by using the POS machine betting system of FIG. 9. The method shown in the figure includes the following group G steps, in which the user uses the internet terminal (8) to transmit the bet item data in advance. Go to the Gaming Computer System (4), then place a bet through the POS machine (1) and pay the bet amount in cash. The specific steps are as follows:

G1. The user uses the Internet terminal (8) to email the betting project data to the gaming computer system via the Internet (7) (4) _;

G2. Gaming computer system (4) After receiving the email, find the sender's email address and bet item data from the email content, check the bet item data, and immediately generate a unique index number, then the gaming computer system (4) Sending the index number to the sender email address by email, and the gaming computer system (4) stores the index number and the user's bet item data in the gaming computer system (4), the bet item Information includes betting items, bet amount and other information;

G3. After receiving the reply email sent by the gaming computer system (4), the user finds the index number from the email content, and then the user inputs the user's vote through the P0S machine (1). Note the information, and the merchant collects the cash of the total amount of the bet, and the bet information includes the index number, the amount of the payment, and the like;

G4. P0S machine (1) The bet information and the P0S machine (1) number and other data are transmitted to the gaming computer system (4) through the payment network (3) for betting;

G5. Gaming computer system (4) Find the index number, payment amount and other information from the bet information, find the betting item data corresponding to the index number from the stored records from the index number, and calculate the payable according to the content of the bet item data. After the total amount of the bet is checked, and the total amount of the bet and the payment amount are verified, the gaming computer system (4) transmits the data of the P0S machine (1) number, the total amount of the bet, the collection account number of the gaming institution to the payment network (3). The acquiring bank (302) within the request for payment;

G6. The acquiring bank (302) in the payment network (3) finds the bank account of the merchant corresponding to the P0S machine (1) number from the P0S machine (1) number, and checks the total amount of the bet after the bank account is correct. Transfer the total amount of money to the betting office's collection account; after the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4);

G7. The gaming computer system (4) accepts the bet of the bet information, and then transmits the bet confirmation information to the P0S machine (1) through the payment network (3), and stores the bet information and the bet confirmation information in the gaming computer system. (4) inside;

G8. P0S machine (1) Print the receipt of the bet confirmation message to the user.

In addition, the present invention is not limited thereto, and various changes and modifications can be made without departing from the spirit and scope of the appended claims. For example, in the embodiment of FIG. 7 or FIG. 8, the gaming computer system (4) uses the interactive voice response system to receive the betting item data instead of the SMS or MMS, and the user simply dials the phone to the gaming computer system (4), through the interactive voice response. The system inputs the bet item data, and then the user places a bet on the merchant's P0S machine (1), which also satisfies the purpose of the present invention well, and is within the scope of the present invention. For another example, in the embodiment of FIG. 10 or FIG. 11, the gaming computer The system (4) receives the betting project data instead of the email by means of the website. The user only connects to the website of the gaming computer system (4) via the internet terminal (8) via the internet terminal (8), enters the betting project data on the website, and then the user It is also within the scope of the present invention to perform betting on the merchant's P0S machine (1).

The P0S betting system of the present invention makes full use of the existing resources of the existing P0S machine and the payment network, and provides convenient and fast services such as betting lottery, horse racing, gambling, etc. Its implementation has greatly promoted the development of the welfare sports lottery business, which can bring great economic and social benefits.

Claims

Rights request

A POS betting system for betting sports lottery, horse racing, gambling, etc., characterized in that the system includes a P0S machine (1) installed in each merchant, a bank card

(2), payment network (3), gaming system (4) of the gaming institution, where the P0S machine (1) located in each merchant is connected with the payment network (3), and the payment network

(3) Connect with the gaming system (4) of the gaming establishment's gaming computer system and operate according to the predetermined procedures to achieve the functions of pre-sale lottery, betting, and redemption of betting bonuses.

2. The POS machine betting system according to claim 1, wherein said payment network

(3) comprising a payment gateway (301), one or more acquiring banks (302), one or more issuing banks (303), wherein the payment gateway (301) and each acquiring bank (302) and each issuing bank ( 303) Phase telecommunications connection, in order to realize user betting, transfer money from the user's bank card (2) to the issuing bank (303) through the payment gateway (301) to the betting agency's collection account.

3. The POS machine betting system according to claim 1, wherein said POS machine

(1) In addition to providing general payment functions, it also includes: receiving bet information of the user, and/or reading the card information of the user's bank card (2), and/or transmitting the bet information and credit card information to the payment. The network (3), and/or receive bet confirmation information transmitted by the gaming computer system (4), and/or print receipt of the bet confirmation information.

4. The POS machine betting system according to claim 1, wherein said bank card

(2) is a magnetic or smart card used as an account voucher by the user for payment, including credit cards, debit cards, credit cards, withdrawal cards, debit cards, stored value cards, and debit cards issued by banks or financial institutions or credit card companies. Account card, card for payment purposes.

5. The POS machine betting system according to claim 3, wherein said bet confirmation information includes verification information for authenticating a bet record, said verification information including text information and/or digital information and / or bar code information and / or 2D bar code information.

6. The POS machine betting system according to claim 3, wherein said POS machine

(1) A mobile phone module and a SIM card are provided, and the P0S machine (1) is connected to the payment network (3) via a mobile phone network.

7. The POS machine betting system according to claim 1, wherein said system further comprises a telephone network (5), said telephone network (5) being comprised by a fixed line telephone network, and/or a mobile telephone Network and the like, and the gaming computer system (4) and telephone network

(5) Phase telecommunications connection, gaming computer system (4) Receive betting item data sent from the user's mobile phone (6) via the telephone network (5).

8. The POS machine betting system according to claim 1, wherein the system further comprises an internetwork (7), and the internetwork (7) is connected to the gaming computer system (4). The gaming computer system (4) receives an e-mail from the user's internet terminal (8) containing the betting item data via the internet (7).

A POS machine betting method for betting a welfare sports lottery, horse racing, gambling, etc., using the POS machine betting system according to any one of claims 1 to 8, characterized in that the method comprises: The P0S machine (1) inputs the user's bet information, and reads the card information of the bank card (2) through the P0S machine (1), and the bet information and the card data are transmitted by the P0S machine (1) through the payment network (3) Transfer to the gaming computer system (4) for betting, gaming computer system (4) through the payment network (3) from the bank card (2) The bank account transfers the total amount of money into the collection account of the gaming institution, and then transmits the bet confirmation information to the POS machine (1) through the payment network (3), and the receipt of the bet confirmation information is printed by the POS machine (1). The user, the bet information includes a bet item, a bet amount, and the like, and the bet confirmation information includes bet information and verification information.

10. The method of betting by a POS machine according to claim 9, wherein the method comprises the following group A step, wherein the user places a bet through the POS machine (1) and pays the bet amount by the bank card (2). The specific steps are as follows:

A1. The merchant or user inputs the user's bet information through the P0S machine (1), and puts the user's bank card (2) on the P0S machine (1) for card swipe operation, and the P0S machine (1) reads the bank card (2) Card information, the bet information includes betting items, bet amount, and the like, and the card information includes bank account number and/or payment password of the bank card (2);

A2. P0S machine (1) The bet information and credit card information are transmitted to the gaming computer system (4) through the payment network (3) for betting;

A4. The issuing bank (303) in the payment network (3) checks the credit card information and the total amount of the bet, and transfers the total amount of money from the bank account of the bank card (2) to the collecting account of the gaming institution. After the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4);

A5. Gaming computer system (4) accept the bet of the bet information, then transmit the bet confirmation information to the POS machine (1) through the payment network (3), and store the bet information and the bet confirmation information in the gaming computer system. (4) inside; A6. The POS machine (1) prints a receipt of the bet confirmation information to the user, and the bet confirmation information includes bet information and verification information.

11. The method of betting through a POS machine according to claim 9, wherein the method comprises the following group D step, wherein the user uses the mobile phone (6) to transmit the bet item data to the gaming computer system (4) in advance. Then, the bet is made through the POS machine (1), and the bet is paid by the bank card (2). The specific steps are as follows:

D1. The user uses the mobile phone (6) to use the SMS or MMS to place the bet project data over the telephone network.

(5) Transfer to the gaming computer system (4), the gaming computer system (4) After receiving the SMS or MMS message, find the user's mobile phone (6) from the source phone number of the SMS or MMS message, and find the content from the SMS or MMS message. After the user's bet item data is verified, the betting computer system (4) stores the user's mobile phone (6) phone number and the user's bet item data in the gaming computer system (4), the bet item data Including betting items, bet amount and other information;

(6) The telephone number, the payment amount, etc., the credit card information includes the bank account number and/or payment password of the bank card (2);

D3. P0S machine (1) The bet information and credit card information are transmitted to the gaming computer system (4) through the payment network (3) for betting;

D4. Gaming computer system (4) Find the user's mobile phone (6) from the bet information (6) Phone number, payment amount, etc., and find the bet item corresponding to the phone number in the stored record from the user's mobile phone (6) phone number. Data, calculate the total amount of bets payable according to the content of the bet item data, check the total amount of the bet and the amount of the bet, the gaming computer system (4) will describe the card information, the total amount of bets, the betting The information such as the collection account number of the institution is transmitted to the card issuing bank (303) in the payment network (3) to request payment;

12. The method of betting by a POS machine according to claim 9, wherein the method comprises the following group F step, wherein the user transmits the bet item data to the gaming computer system in advance using the internet terminal (8) (4) , then take the bet through the POS machine (1) and pay the bet money with the bank card (2). The specific steps are as follows:

F2. Gaming computer system (4) After receiving the email, find the sender's email address and bet item data from the email content, check the bet item data, and immediately generate a unique index number, then the gaming computer system (4) Retrieving the index number by email to the sender's email address, and the gaming computer system (4) storing the index number and the user's bet item data in the gaming computer system (4), the betting item The information includes betting items, bet amount, etc.; F3. After receiving the reply email sent by the gaming computer system (4), the user finds the index number from the email content, and then the user inputs the user's vote through the POS machine (1). Note the information, and put the user's bank card (2) on the POS machine (1) for card swiping operation, and the POS card (2) reads the card information of the bank card (2), the bet information includes the index number, Information such as the amount of payment, the credit card information includes a bank card

(2) Bank account number and / or payment password and other information;

F5. Gaming computer system (4) Find the index number, payment amount and other information from the bet information, find the betting item data corresponding to the index number from the stored record from the index number, and calculate the payable according to the content of the bet item data. After the total amount of the bet is checked and the total amount of the bet and the payment amount are correct, the gaming computer system (4) transmits the credit card information, the total amount of the bet, the collection account number of the gaming institution, etc. to the payment card in the payment network (3). Bank (303) requests payment;

F6. The issuing bank (303) in the payment network (3) checks the credit card information and the total amount of the bet, and transfers the total amount of money from the bank account of the bank card (2) to the collecting account of the gaming institution. After the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4);

F7. Gaming Computer System (4) accept bets from this bet information, then pass the payment network

(3) transmitting the bet confirmation information to the P0S machine (1), and storing the bet information and the bet confirmation information in the gaming computer system (4);

F8. P0S machine (1) Prints the receipt of the bet confirmation message to the user. A POS machine betting method for betting a welfare sports lottery, horse racing, gambling, etc., using the POS machine betting system according to any one of claims 1 to 8, characterized in that the method comprises: a merchant to a user The cash of the total amount of the bet is charged, and the bet information of the user is input through the POS machine (1), and the bet information is transmitted by the POS machine (1) to the gaming computer system (4) through the payment network (3) for betting, betting computer system (4) Transfer the total amount of money from the bank account of the merchant corresponding to the POS machine (1) to the betting office's collection account, and then transmit the bet confirmation information to the P0S machine via the payment network (3) (1) The receipt of the bet confirmation information is printed by the POS machine (1) to the user, the bet information includes a bet item, a bet amount, and the like, and the bet confirmation information includes bet information and verification information.

14. The method of betting by a POS machine according to claim 13, wherein the method comprises the following group B step, which is a step of the user placing a bet through the POS machine (1) and paying the bet amount in cash, specifically The steps are as follows:

B1. The merchant collects the total amount of cash from the user, and inputs the user's bet information through the P0S machine (1), and the bet information includes the bet item, the bet amount and the like;

B5. Gaming computer system (4) accepts the bet of the bet information, then transmits the bet confirmation information to the POS machine (1) through the payment network (3), and stores the bet information and the bet confirmation information in the gaming computer system. (4) inside; B6. The POS machine (1) prints the receipt of the bet confirmation information to the user, and the bet confirmation information includes bet information and verification information.

15. The method of betting through a POS machine according to claim 13, wherein the method comprises the following group E step, wherein the user transmits the bet item data to the gaming computer system (4) in advance using the mobile phone (6), Then place a bet through the POS machine (1) and pay the bet amount in cash. The specific steps are as follows:

E1. The user uses the mobile phone (6) to send the bet project data to the gaming computer system (4) via SMS network (5) by SMS or MMS, and the gaming computer system (4) After receiving the SMS or MMS message, the source of the SMS or MMS message The phone number finds the user's mobile phone (6) phone number, finds the user's bet item data from the content of the SMS or MMS message, checks the bet item data is correct, the gaming computer system (4) will the user's mobile phone (6) phone number and the user's The bet item data is stored in the gaming computer system (4), and the bet item data includes betting items, bet amount and the like;

E4. Gaming computer system (4) Find the user's mobile phone (6) Phone number, payment amount, etc. from the bet information, and find the bet item corresponding to the phone number in the stored record from the user's mobile phone (6) phone number Data, calculate the total amount of bets payable according to the content of the bet item data, check the total amount of the bet and the payment amount, the gaming computer system (4) will number the P0S machine (1), the total amount of the bet, the gaming institution The payment account number and the like are transmitted to the acquiring bank (302) in the payment network (3) to request payment; E5. The acquiring bank (302) in the payment network (3) finds the bank account of the merchant corresponding to the P0S machine (1) number from the P0S machine (1) number, and checks the total amount of the bet after the bank account is correct. Transfer the total amount of money to the betting office's collection account; after the transfer is successful, the payment network (3) transmits the transfer success information to the gaming computer system (4);

16. The method of betting through a POS machine according to claim 13, wherein the method comprises the following group G step, wherein the user transmits the bet item data to the gaming computer system in advance using the internet terminal (8) (4) , then take the bet through the POS machine (1) and pay the bet money in cash. The specific steps are as follows:

G1. The user uses the Internet terminal (8) to email the betting project data to the gaming computer system via the Internet (7) (4);

G2. Gaming Computer System (4) After receiving the email, find the sender's email address and bet item data from the email content, check the bet item data, and immediately generate a unique index number, then the gaming computer system (4) Sending the index number to the sender's email address by email, and the gaming computer system (4) stores the index number and the user's bet item data in the gaming computer system (4), the bet item Information includes betting items, bet amount and other information;

G3. After receiving the reply email sent by the gaming computer system (4), the user finds the index number from the email content, and then the user inputs the user's vote through the POS machine (1). Note the information, and the merchant collects the cash of the total amount of the bet, and the bet information includes the index number, the amount of the payment, and the like;

G5. Gaming computer system (4) Find the index number, payment amount and other information from the bet information, find the bet item corresponding to the index number from the stored record from the index number, and calculate the payable according to the content of the bet item data. The total amount of the bet, after checking the total amount of the bet and the amount of the payment, the gaming computer system (4) transmits the data of the P0S machine (1) number, the total amount of the bet, the collection account number of the gaming institution, etc. to the payment network ( 3) The acquiring bank (302) within the request for payment;

G7. Gaming computer system (4) accepts the bet of the bet information, then transmits the bet confirmation information to the POS machine (1) through the payment network (3), and stores the bet information and the bet confirmation information in the gaming computer system. (4) inside;

17. A method of redeeming a betting bonus by a POS machine for betting a welfare sports lottery, horse racing, gambling, etc., using the POS machine betting system according to any one of claims 1 to 8, characterized in that the method comprises: The check information on the receipt is entered by the P0S machine (1), and the bet record is transmitted by the P0S machine (1) to the gaming computer system via the payment network (3) (4) requesting the redemption, the gaming computer The system (4) verifies that the bet record corresponding to the verification information is the winning one, and then the bet is recorded through the payment network (3) The corresponding bonus is deposited into the bank account of the merchant of the P0S machine (1), and then the redemption success information is transmitted to the P0S machine (1) through the payment network (3), and the P0S machine (1) prints the redemption success information. Receiving, and the merchant of the POS machine (1) counts the money with the bonus amount on the receipt to the person who holds the receipt of the winning bet record, and receives the bet record receipt of the winning as For the settlement of the voucher, the redemption success information includes the bet record of the winning prize and the amount of the bonus.

18. The redemption bonus method according to claim 17, wherein the method comprises the following C group step, which is a step of the user receiving the winning bet record at the POS machine (1), specifically The steps are as follows:

(3) Transfer to the gaming computer system (4) Request for redemption;

C4. Gaming computer system (4) Sending the redemption success information to the payment network (3)

P0S machine (1);

C5. P0S machine (1) prints the receipt of the redemption success information, the merchant counts the money with the bonus amount on the receipt, and receives the winning bet record receipt as the settlement voucher, said The redemption success information includes the winning bet record and the bonus amount.