WO2015084217A1

WO2015084217A1 - Lottery method and device and computer-readable medium

Info

Publication number: WO2015084217A1
Application number: PCT/RU2014/000903
Authority: WO
Inventors: Армен Меружанович САРКИСЯН
Original assignee: Армен Меружанович САРКИСЯН
Priority date: 2013-12-03
Filing date: 2014-12-03
Publication date: 2015-06-11
Also published as: EA201500693A1; RU2013153442A

Abstract

The invention relates to lottery technology. The technical result consists in streamlining the process of lottery participation by completely doing away with the distribution of lottery tickets. The present method involves: publishing lottery rules which envisage the possibility of participation not only by a saver with savings in a specific bank by means of an instruction to the bank to direct interest on savings towards lottery wagers, but also by a borrower with a loan from the bank in question by means of independent payment of lottery wagers or by means of an instruction to the bank to direct towards this end a part of the borrowed funds in order to repay interest on the loan in question in the event of a lottery win, said rules also envisaging participation by any visitor to the bank in question by means of independent payment of lottery wagers in order, in the event of a lottery win, to establish savings in the bank in question in the amount of the winnings. Each lottery wager of each lottery participant is registered by assigning a unique identification number thereto; a draw is conducted using a random number generator in order to determine the winning lottery wagers in a lottery draw; and the accounts of the winning participants in the draw are adjusted in accordance with the amount of the winnings.

Description

METHOD AND DEVICE FOR LOTTERY

AND MACHINE READABLE MEDIA

FIELD OF THE INVENTION The present invention relates to a method and apparatus for conducting a lottery, as well as to a computer-readable medium with a suitable computer program.

State of the art

Currently, various methods and devices for conducting a lottery are known.

For example, in German application N ° 10153130 (publ. 08.05.2003), a prize-winning game of the lottery type is described by distributing game numbers to the participants as their identification numbers by e-mail or SMS, and the drawing is carried out using a mathematical function of the total number of players .

The certificate for a utility model of the Russian Federation N ° 9754 (publ. May 16, 1999) describes the conduct of a lottery played on lottery tickets indicating the amount of the deposit. In the application for a patent of the Russian Federation N ° 2001108236 (publ. 02.20.2003), a lottery is disclosed by distributing game funds on which participants must form game combinations.

In the patent of the Russian Federation N ° 2014108 (published on 06/15/1994) a game is described which consists in the fact that each of its participants makes a bet and registers the information being played along with currency symbols, the face value of which is either proportional to the rate made by this participant in the game, or 10 percent of the above bet, and the size of the possible winnings is twice the size of this bet.

The disadvantage of all the above technical solutions is that the draw is carried out according to the well-known lottery scheme using tickets or their analogues, which, firstly, increases the cost of holding such a lottery, and, secondly, does not allow to draw additional funds into the lottery . Disclosure of invention

The objective of the present invention is to expand the arsenal of technical means by creating such a method and device for conducting a lottery that makes it possible to technically involve additional funds in the lottery, while simplifying the procedure for participating in the lottery due to the complete rejection of the distribution of lottery tickets.

To solve this problem and achieve the technical result, the first object of the present invention proposes a method of conducting a lottery, which consists in: publishing the rules for conducting the said lottery, providing for the opportunity to participate in the lottery: an investor who has a deposit in a particular bank - by order of the bank to send to making lottery rates at least interest income from a deposit, the borrower who received a loan in this bank - by making lottery rates, independently or through a guarantee the bank to direct for this purpose a part of the borrowed funds to repay at least interest on this loan in case of winning the lottery, by another visitor of this bank - by making lottery bets on their own to open a deposit in this bank for the amount of the gain in case of loss of winnings in the lottery ; moreover, the rules indicate the period of the upcoming draw, the conditions and procedure for acquiring the right to participate in the lottery draw, the size of the prize pool of the upcoming draw of the lottery, the number and size of winnings and the size of a single lottery bet; register each lottery bet of each lottery participant by assigning it a unique identification number; draw with the help of a random number generator to determine those lottery bets that have won the lottery; change the accounts of those participants of the run, on whose lottery bets the winnings fell, in accordance with the size of the winnings.

A feature of the method of the present invention is that they can automatically transfer as lottery bets from the account of each registered participant who is a bank depositor, the amount in accordance with the number of lottery bets indicated by this participant and the value of a single lottery bet.

Another feature of the method of the present invention is that they can: replenish the deposits of winning investors by the amount of wins; open deposits on winnings to winners of lottery bets in cash; to reduce the amount of debt on loans from winning borrowers by the size of the winnings.

Another feature of the method according to the present invention is that in the event that the size of the winnings of the winning borrowers exceeds the amount of their debts, they can open deposits for the amount of this excess.

Finally, another feature of the method according to the present invention is that they can notify the participant of the held draw in the event of a loss on the lottery bet of that participant.

To solve the same problem and achieve the same technical result, in a second aspect of the present invention, there is provided a device for conducting a lottery, comprising: at least one data input terminal, each of which is intended for inputting data about lottery participants and their bets; a lottery database designed to store all data related to the lottery; a lottery module connected at least by one communication network to data input terminals and to the lottery database and configured to, in accordance with the published lottery rules, indicating the period of the upcoming draw, conditions and procedure for acquiring the right to participate in the lottery draw, prize pool size the upcoming lottery draw, the number and size of winnings and the size of a single lottery bet: register lottery bets in a lottery database of a depositor who has a deposit in a particular bank - by entrusted to it by the bank sends to make lottery bet at least the interest income from contributions, lottery bets borrower to get a loan in the bank - by making lottery betting on their own or through a direct order to the bank for the purpose of the funds held to maturity at the interest on this loan in case of winning the lottery draw, lottery bets of another visitor to the bank - by making lottery bets by this visitor on their own to open a deposit in this bank for the amount of the winnings in case of winning the lottery, by assigning a unique identification number to each lottery bet each lottery participant; conduct a draw using a random number generator to determine those lottery bets that have won the lottery draw; change the accounts of those participants of the drawn draw whose lottery bets winnings, in accordance with the size of the winnings.

A feature of the device of the present invention is that the lottery module can be configured to automatically transfer as lottery bets from the account of each registered participant who is a bank depositor, the amount in accordance with the number of lottery bets indicated by this participant and the unit lottery rate .

Another feature of the device of the present invention is that the lottery module can be configured to: replenish the deposits of winning investors by the amount of winnings; open deposits on winnings to winners of lottery bets in cash; to reduce the amount of debt on loans from winning borrowers by the size of the winnings.

Another feature of the device of the present invention is that the lottery module can be configured to, in case of exceeding the size of the winnings of the winning borrowers over the amount of their debts, open them deposits by the value of this excess.

Finally, another feature of the device of the present invention is that the lottery module can be configured to notify a participant in a drawn draw in case of a loss in the lottery bet of that participant.

To solve the same problem and achieve the same technical result in the third object of the present invention, it is proposed machine-readable medium intended for direct participation in the work of the lottery module connected to the lottery database, and containing a program that, when executed in the lottery module, provides the execution of the method according to the first object of the present invention.

Brief Description of the Drawings

The present invention is illustrated in the accompanying drawings. FIG. 1 illustrates the principle of attracting lottery participants.

In FIG. 2 shows a generalized block diagram of a device in which the proposed method is embodied.

In FIG. 3 presents a block diagram of an algorithm for implementing the proposed method.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION The present invention, in contrast to the already known lotteries, uses the following illustrated in FIG. 1 principle of attracting participants and involvement in the circulation of funds.

It is proposed to attract depositors 1 of at least one bank with 4 deposits in this bank as the main participants in the lottery, directing the bank to send at least interest income 7 from this deposit to make lottery rates. After a draw of lottery 9 in the event of a loss and determination of the size 10 of this win, such depositor 1 receives a replenishment of 11 of his deposit.

The average contribution of a Russian investor by volume, as a rule, is small, which not only does not allow its owner to become a real rentier, that is, live on interest income on such a contribution, but even significantly reinforce their personal or family budget. Consequently, the bulk of investors can be easily persuaded to risk this insignificant income in the hope of a good win. To obtain the right to claim such a win, a depositor, for example, needs to open a special type of deposit in the bank — let's call it “Bank Winning Deposit” (BVV) - and from that moment the bank will start sending interest income on behalf of the depositor on its contribution to the lottery prize pools as a certain number of lottery bets. By the way, it is possible not to create a special type of deposit (BVV), but to replace it with a simple instruction of the depositor to the bank to send interest income on a regular deposit for these purposes, if this does not complicate the banking accounting procedure. The bank will credit any winnings to the “body” of the deposit or to the amount of interest income on it. Similarly to a depositor, legal entities that store funds on deposits can do the same.

In addition, as other participants in the lottery, it is proposed to attract borrowers 2 who received a loan of 5 at this bank by making this borrower 2 lottery rates: on their own (in cash) 8 or through an instruction to the bank to direct a part of the borrowed funds for these purposes. After a draw of lottery 9 in the event of a loss and determination of the size 10 of such a win, such borrower 2 receives a repayment of at least 12 percent on this loan.

In addition, any visitor to 3 banks can become a participant in the lottery

(not even having a deposit in this bank, which is conditionally shown by a dash in block 6) if he makes any number of lottery bets in cash 8 through special lottery terminals established in the bank’s offices or through the bank’s operator. After a draw of lottery 9, if a win occurs at any of these bets and determines the size of 10 of this win, the bank will open in the name of the participant 3 who has made a deposit, a regular or “Bank winning deposit” for the winning amount, and the new depositor will continue to participate in subsequent Draws of the lottery are already interest income on this deposit (i.e. will become a depositor 1 of this bank). Of course, any winnings can be handed to the winning participant, or only part of this winnings can be used as a contribution.

The present invention can be implemented in existing or under development in the future lottery systems. A device for implementing the proposed method has a general block diagram shown in FIG. 2. This device contains automated workstations (AWS) 21 of the bank operator, ATMs 22 and payment terminals 23. Of course, in the case where it is envisaged to attract only bank depositors as lottery participants (reference position 1 in FIG. 1), the device of FIG. 2 will contain only blocks 21. ATMs 22 and payment terminals 23 can, in principle, be used both together and separately. Collectively, the AWP 21, the ATMs 22, and the terminals 23 are hereinafter referred to as data input terminals and for convenience are indicated in FIG. 2 at 24.

All data input terminals 24 are connected via one or several communication networks 25 with a lottery module 26, which can be performed, for example, on a server, although it is quite possible to use “cloud” technology, i.e. use of distributed resources with appropriate software. The lottery module 26 is connected to the lottery database 27, designed to store all the data associated with the lottery.

The lottery module 26 is configured (programmed) to register in the lottery database 27 data as participants in the lottery depositors (1), borrowers (2) and other visitors (3) by entering the relevant data from the terminals 24. In addition, the lottery module 26 is made with the ability to carry out the actions described below in connection with FIG. 3.

To implement the proposed lottery, the bank (or several banks - “banking pool”) cooperates with a specialized company-operator for conducting lotteries, which is the owner of the rights to conduct this lottery and the owner of lottery module 26 and lottery database 27. The lottery module 26 is connected to the communication network 25 (or to several communication networks 25) under the conditions of the functioning of this lottery module 26 only within the framework of the lottery process, due to the cooperation agreement between the owner of the lottery module 26 and the lottery database 27, the company operating the corresponding communication network 25 and banks owning terminals 24. Such a cooperation agreement provides for the interaction of the company-operator of lottery processes with the company-operator of the corresponding communication network and banks, and the distribution of funds in the process of drawing.

The method of the present invention is implemented in the above system as follows (see Fig. 3).

The company operator of the lottery processes will publish the rules for the lottery with the date of the upcoming draw, conditions and procedures for acquiring the right to participate in the lottery draw, the size of the prize pool for the upcoming draw of the lottery, the number and size of winnings and the size of the unit lottery bet (block 31). Of course, these rules also indicate the principles of participation in this lottery described above (see the description related to Fig. 1). Such disclosure can be carried out by publishing the rules of the draw in newspapers and (or) magazines, broadcasting these rules in television or radio broadcasts. The lottery process is cyclical in nature. Draw cycles (runs) are repeated with a set frequency (for example, once a day or every Wednesday). Each cycle consists of the following steps.

First, the lottery module 26 according to the data inputted from the corresponding data input terminal 24, takes into account lottery bets made by each of the participants 1-3 in FIG. 1 (block 32). Each accepted lottery bet is assigned a unique identification number (block 33). Lottery bets are then registered (stored) in the lottery database 27 data, together with information about the respective participant 1-3 who made this lottery bet (block 34). It is clear that one participant can make any number of lottery bets. Since the published rules indicate the size of a single lottery bet, such registration allows you to take into account how much money is transferred to participate in the lottery. Note that the introduction of lottery rates can occur automatically by transferring from the account of this participant (bank depositor) the corresponding amount. Of course, participants are given identification numbers assigned to their bets. This can be done by sending an SMS message to the participant’s mobile phone (1-3) or by e-mail to the participant’s computer, in depending on what data this participant indicated when making lottery bets. The participant can be informed of the identification number of each of his rates immediately upon its introduction by the bank operator from his AWP 21.

Upon completion of registration, a lottery is drawn up within the time period specified in the promulgated rules (block 35). This draw is based on the principle of unintentional loss of winnings through the use of a random number generator. When conducting a lottery draw, the lottery bets are determined for which winnings fall, i.e. using a random number generator, some of the lottery bet identification numbers assigned during registration are determined.

Immediately after the draw, the amount of winnings for each of the winning lottery bets is calculated taking into account the prize pool and the share of winnings for a particular lottery bet according to the data stored in the lottery database 27. After the draw, based on the calculated winnings, the accounts of those participants whose game combinations turned out to be winning are changed (block 36). Such a change involves not only replenishing the deposit of the winning depositor 1, but also repaying interest on the loan issued to the borrower 2, or part of this loan, and opening the deposit to the winning participant 3 in the amount of his winnings. In this case, there may be a notification to any participant of the held draw if the game combination of this participant coincides with the winning combination that fell out in this draw (block 37). Such a notice can be made by sending an SMS message to the participant’s mobile phone (1-3) or by e-mail to the participant’s computer, if during registration this participant expressed a desire to receive notifications of the results of the draw.

The proposed method and device for conducting the lottery allows you to abandon the cumbersome and expensive procedure for printing and distributing lottery tickets, which greatly simplifies the procedure for participation in the lottery. Besides Moreover, these method and device provide technical involvement in the lottery of additional funds actually actually contributed by depositors. All this testifies to the expansion of the arsenal of technical means.

Moreover, all the actions of the proposed method, with the exception of registration of participants by bank operators, are performed automatically. This circumstance makes it possible to talk about a machine-readable medium intended for direct participation in the work of the lottery module 26, connected to the data input terminals 24 and the lottery database 27, and containing a program that, when executed in the lottery module 26, provides the execution of the actions of the proposed method.

Claims

Claim

1. The method of conducting the lottery, which consists in the fact that:

- make public the rules for holding the said lottery, providing for the opportunity to participate in the said lottery:

· An investor who has a deposit in a particular bank - by order of the said bank to send at least interest income from the said deposit to make lottery rates,

• the borrower who received a loan in this bank — by making lottery rates, to send part of the borrowed funds for these purposes alone or through an instruction to the said bank to repay at least interest on this loan in case of winning the lottery,

• another visitor to this bank - by making lottery bets on their own to open a deposit in this bank for the amount of the winnings in case of loss of winnings in the said lottery;

moreover, the mentioned rules indicate the period of the upcoming draw, the conditions and procedure for acquiring the right to participate in the lottery draw, the size of the prize pool of the upcoming draw of the lottery, the number and size of winnings and the size of a single lottery bet;

- register each lottery bet of each participant of the said lottery by assigning it a unique identification number;

- conduct a draw using a random number generator to determine those lottery bets for which winnings have fallen in the drawing of the said lottery;

- change the accounts of those participants of the drawn draw, on whose lottery bets the winnings fell, in accordance with the size of the mentioned winnings.

2. The method according to p. 1, in which:

- automatically transfer as the mentioned lottery bets from the account of each registered participant who is a bank depositor, the amount in accordance with the number of mentioned lottery bets indicated by this participant and the size of said unit lottery bets.

3. The method according to p. 1, in which:

- replenish the deposits of winning depositors by the amount of the mentioned winnings;

- open deposits on the amounts of the mentioned winnings to the winning depositors of lottery bets in cash;

- reduce the amount of debt on loans from winning borrowers by the size of the mentioned winnings.

4. The method according to p. 3, in which, in case of exceeding the size of the said winnings from the winning borrowers over the amount of their debts, open deposits to them for the amount of this excess.

5. The method according to p. 1 or 2, in which the participant of the held circulation is notified in case of loss to the lottery bet of this participant.

6. A device for conducting a lottery, comprising:

- at least one data input terminal, each of which is designed to enter data on the participants of the said lottery and the rates they make;

- a lottery database intended for storing all data related to the holding of the said lottery;

- a lottery module connected at least by one communication network to said data input terminals and to said lottery database and configured to, in accordance with the published rules of the said lottery, indicating the period of the upcoming draw, conditions and procedure for acquiring the right to participate in the lottery draw , the size of the prize pool for the upcoming lottery draw, the number and size of winnings and the size of a single lottery bet:

and register in the said lottery database

• lottery rates of a depositor who has a deposit in a particular bank - by instructing the said bank to send at least interest income from the said deposit to make lottery rates, • lottery rates of the borrower who received a loan in this bank — by making lottery rates, to send part of the borrowed funds for these purposes on their own or through an instruction to the said bank in order to repay at least interest on this loan in case of winning the lottery

• lottery bets of another visitor to this bank - by making this visitor lottery bets on their own to open a deposit in this bank in the amount of the winnings in case of loss of winnings in the said lottery,

by assigning a unique identification number to each lottery bet of each participant in the said lottery;

and to draw using a random number generator to determine those lottery bets for which winnings in the drawing of the said lottery have fallen;

and to change the accounts of those participants of the draw for whose lottery bets the winnings fell, in accordance with the size of the mentioned winnings.

7. The device according to claim 6, wherein said lottery module is configured to automatically transfer as mentioned lottery bets from the account of each registered participant who is a bank depositor, the amount in accordance with the number of mentioned lottery bets indicated by this participant and the unit value lottery bet.

8. The device according to claim 6, in which said lottery module is configured to:

- replenish the deposits of winning depositors by the amount of said winnings;

9. The device according to claim 8, in which said lottery module is configured to, in case of exceeding the size of the said winnings from the winning borrowers over the amount of their debts, open deposits to them for the amount of this excess.

10. The device according to claim 6 or 7, in which said lottery module is configured to notify a participant in a completed draw in case of a loss in the lottery bet of that participant.

11. Machine-readable medium intended for direct participation in the work of the lottery module connected to the lottery database and containing a program that, when executed in the said lottery module, provides the execution of the method according to claim 1.