Description of the Invention
[0001] A system and method for intermediating games of chance to banking service providers.
Technical Field
[0002] The invention belongs among software solutions for depositing-game-of-chance environments.
Background Art
[0003] Offers made by banks, involving one-time or periodic raffling of prizes (including
bonuses) to banking customers, e.g. depositors or bank card users are known.
[0004] KR20020064851 "Lottery-style bank check and lot management system thereof", IPC G07D13/00, Kim
Chang Wook (KR), priority date 03022001, date of publication 10.08.2002 is known,
describing equipping a bank cheque with an additional lottery ticket function with
the objective of making the user to preserve the bank cheque until the raffle date,
thus increasing the amount of money deposited in the bank issuing the cheque.
[0005] KR20010046278 "System and method for issuing internet lottery ticket according to bank transaction
particulars using ATM terminal", IPC class G06F17/60, Yesib Inc (KR), priority date
31.07.2001, date of publication 12.02.2003 is known, describing handing out Internet
lottery tickets for using an automatic teller machine with the objective of increasing
the use of automatic teller machines.
[0006] US5774884 "Service method using on-line systems of financial institutions", IPC class G06Q30/00
et al Moebius Corp (JP), priority date 26.01.1995, date of publication 30.06.1998
is known, describing raffling of winnings by a bank when a bank card is used to perform
transactions by means of an automatic teller machine.
[0007] US7962362, "Promoting customer loyalty", IPC class G06Q30/00, CANADIAN BANK NOTE CO LTD, priority
date 11.08.2004, date of publication 16.02.2006 is known, describing a system where
buyers, e.g. lottery players are awarded additional raffles and prizes for their loyalty.
[0008] US7168616 "Bank card with lottery feature", IPC G06K5/00, Richard E. Carnation, priority date
24.03.2005, date of publication 30.01.2007, is known, describing a method for increasing
credit card usage, where a customer making a purchase by means of a credit card participates
in a lottery arranged by the issuer of his/her credit card according to the size of
his/her purchase, whereas the prize fund of the lottery is formed by the issuer of
the credit card using his profits.
[0009] KR20000072505 "Internet Cyber Lottery Bank Book", IPC class G06F19/00, Park Gyul Hee (KR), priority
date 18.07.2000, date of publication 05.12.2000, is known, describing a system where
Internet lottery tickets are handed out to customers depositing in a bank, with the
objective of facilitating increasing the usage volume of banking services. The user
makes payments to his/her deposit account, and is automatically allotted lottery tickets
according to the volume of payments made.
[0010] Offering the depositors an opportunity to participate in a lottery, with the objective
of increasing their saving activity is known, (see e.g. "To increase savings, link
them to Gambling", Harvard Business Review, 04/2010).
[0011] A "Save to Win" solution is known, involving periodic raffling of monetary awards
between the depositors depositing their money in a participating savings association
for a particular period (see www.savetowin.org). According to the solution the chance
of winning depends on the size of the deposited amount. There is no chance of losing
as no expenses are incurred by participating in the raffle for the depositor in the
event of not winning. Raffling expenses are covered by the participating savings associations
indirectly, for account of other profits.
[0012] A computer-based method and system are required, enabling several banking service
providers, e.g. banks located in different countries to offer their depositors an
opportunity to participate in raffles or other games of chance at the same time, thus
increasing the possible prize fund, and making participation more attractive for the
depositors.
Disclosure of Invention
[0013] The objective of the invention is achieved by means of a system comprising an intermediation
environment including at least one game-of-chance module and at least one banking
service provider's sub-system, whereas each banking service provider's sub-system
is connected to the banking service provider's computer system via a computer network
and over a secure communications channel, and each sub-system is equipped with a user
interface, whereas each banking service provider's sub-system is adapted to receive
messages containing information pertaining to the depositor and his/her contribution
for participating in a game of chance at least from one banking service provider's
computer system, the game-of-chance module is adapted to carry through games of chance
and enable the depositors to participate in these games of chance based on their contribution,
and the intermediation environment is adapted to intermediate the depositor's contributions
to the game-of-chance module and the winning information from the game-of-chance module
to the banking service provider's sub-system, whereas the information pertaining to
the depositor, transmitted by the banking service consists of an identification code,
whereas the information enabling association of the identification code with the personal
data is maintained only in the banking service provider's computer system.
[0014] The objective of the invention is also achieved by means of a system comprising an
intermediation environment, at least one banking service provider's sub-system, and
comprises at least one game-of-chance interface, whereas each game-of-chance interface
is connected to at least one external game-of-chance environment via a computer network
and over a secure communications channel, whereas the intermediation environment is
set up to transmit messages containing contribution data to the external game-of-chance
environment, whereas the contribution data contain the identification code of the
person making the contribution, that does not enable identification of the user's
person, i.e. his/her name and other personal data in the game-of-chance environment.
[0015] The objective of the invention is achieved by means of a method comprising the following
steps: an agreement is concluded between the person wanting to participate in a game
of chance and the banking service provider, for example by opening a corresponding
time deposit by the banking service provider; the depositor is allotted game-of-chance
shares (tickets) in an amount corresponding to the size, term or other parameters
of the deposit; the person is identified in the bank according to the laws applicable
to the banking service provider; the person is assigned a unique identification code;
the identification code with contribution units is transferred to the banking service
provider's sub-system in the intermediation environment via a computer network and
over a secure channel; an account is opened for the person in the intermediation environment,
and the game-of-chance shares belonging to him/her are transferred to this account;
the person is enabled to participate in the game of chance based on the number of
his/her game-of-chance shares (or the rights derived from them, if the banking service
provider issues game-of-chance shares involving different rights); according to the
person's choice either passive, semi-passive or active participation in the game of
chance is enabled for the person. In case of passive participation the customer automatically
participates in the raffles, the raffle numbers are automatically generated by the
system, and one game-of-chance share at a time is entered in the raffle. In case of
semi-passive participation the person in question specifies the numbers he/she desires
to use for participating in the raffle, and game-of-chance shares are automatically
entered in the raffle. In case of active participation the person in question specifies
the numbers and raffles to participate in himself/herself. The contribution data are
transmitted from the intermediation environment to the game-of-chance environment,
and the game of chance is carried through in the game-of-chance environment. The information
about the winners is transmitted from the game-of-chance environment to the intermediation
environment. The persons having won are notified in the intermediation environment
via their accounts, and the information about the winners is relayed to the banking
service providers' systems who arrange delivering the winnings to the persons having
won.
Brief Description of Drawings
[0016] Figure Fig. 1 - the general architecture of the intermediation system.
[0017] Figure Fig. 2 - the diagram of the game-of-chance module.
[0018] Figure Fig. 3 - the diagram of a banking service provider's sub-system.
[0019] Figure Fig. 4 - an alternative architecture of the intermediation system.
[0020] Figure Fig. 5 - the algorithmic diagram of the method of the invention.
Modes for Carrying Out the Invention
[0021] Figure Fig. 1 depicts the architecture of the intermediation system 1 according to
the first implementation example of the invention. The intermediation system comprises
a lottery server 2 connected to at least one banking service provider's sub-system
3
i (where i = 1 ... M, where M is an integer greater than or equal to two), whereas
each banking service provider's sub-system can be connected to at least one banking
service provider's IT system 4
j (where j = 1 ... N, where N is an integer greater than or equal to two) via a computer
network and over a secure data communications channel (e.g. SSH). Each sub-system
is adapted to generate periodic reports (e.g. regarding game-of-chance shares and
winnings), and maintain a log of essential events. Each sub-system can be adapted
to conform to the requirements of one or more banking service provider's requirements.
[0022] Figure Fig. 2 depicts the diagram of the lottery server 2. The lottery server comprises
a database 9 and core 6 including the business logic circuit 6 and data communications
layer 7 of the lottery server. A physical lotto device 5 is connected to the lottery
server 2. The lottery server is designed to receive, store and relay the lottery results
to the banking service provider's sub-systems 3
1 to 3
M. The data communications layer 7 handles database requests (e.g. by means of DAO
- Data Access Objects).
[0023] Figure Fig. 3 depicts the architecture of the banking service provider's sub-system
3
i. The sub-system comprises load balancers 11, user interface 12, core 13, database
14, services module 15. The lottery server 2 set up to relay the winning lottery numbers
to the sub-system where they are stored in the database 14, is connected to the services
module 15. A user 10 accesses the sub-system via the user interface 12 e.g. by means
of a web browser. The user can open deposits by the banking service provider and receive
game-of-chance shares for this by using the sub-system.
[0024] Figure Fig. 4 depicts an alternative architecture of the intermediation system 1
that differs from the one depicted on figure Fig. 2 by its lack of banking service
provider's sub-systems.
[0025] Figure Fig. 5 depicts one implementation example of the method of the invention,
comprising the following steps. An agreement is concluded between the person wanting
to participate in a game of chance, and the banking service provider (step 100), for
example by opening a corresponding time deposit, opening a bank account, ordering
a bank card, e.g. a credit card, taking a loan from the bank or using another method
acceptable for the banking service provider. An amount of game-of-chance shares (tickets)
corresponding to the size and term or other parameters of the deposit is allotted
(step 101). The person is identified in the bank (102) considering thereby laws applicable
to the banking service provider. The person is assigned a unique identification code
(103). The identification code with game-of-chance shares is transmitted to the banking
service provider's sub-system in the intermediation environment via a computer network
and over a secure channel (step 104). An account is opened in the intermediation environment
for the person (step 105), and the game-of-chance shares belonging to him/her are
transferred to this account. The way of participating in the game of chance is determined
by the person (step 107), for example passive, semi-passive or active. In case of
passive participation the customer automatically participates in the raffle, the raffle
numbers are automatically generated by the system, and one ticket at a time is entered
in the raffle. In case of semi-passive participation the user himself/herself plays,
for example specifies the numbers he/she desires to use to participate in the raffles,
and the tickets are automatically entered in the raffle. In case of active participation
the person in question specifies the numbers and raffles to participate in himself/herself.
The person is enabled to participate in the game of chance based on the number of
his/her game-of-chance shares (or the rights derived from them, if the banking service
provider issues game-of-chance shares involving different rights) (step 108). The
contribution data are transmitted from the intermediation environment to the game-of-chance
environment (step 109), and the game of chance is carried through in the game-of-chance
environment (step 110). The information about the winners is transmitted from the
game-of-chance environment to the intermediation environment (step 111). The persons
having won are notified in the intermediation environment via their accounts (step
112), and the information about the winners is relayed to the banking service providers'
systems (step 113). Delivery of the winnings to the persons having won is arranged
after that (114). According to one version delivery of winnings is arranged by the
banking service provider, for example by means of a transfer to the winner's bank
account. According to another version the intermediation environment instructs the
banking service provider to transfer the winnings amount to the depositor having won.
According to a third version paying out of the winnings amount is performed by the
intermediation environment.
[0026] According to one version the depositor is granted an opportunity to also participate
in other games of chance beside the lottery. According to this version the contribution
data are relayed from the intermediation environment to the game-of-chance environment,
and the shares are used in the game-of-chance environment. In case a player wins he/she
can either re-use his/her winnings or give an appropriate instruction to the intermediation
environment, and the intermediation environment instructs the banking service provider
to deliver the winnings, and the banking service provider will transfer it to the
player's bank account (step 110).
[0027] According to one version the system enables participating in raffles, lotteries and
other games of chance arranged by third persons.
[0028] The depositor can repossess his/her deposited money only after the end of the depositing
term. To receive additional shares the depositor has to make an additional contribution,
for example make an additional down payment to his/her deposit, open a new deposit,
order another credit card, etc. The winnings funds of different games are formed by
the banking service provider - the winnings fund is formed based on the profits earned
by the banking service provider on the deposits made by the depositors, or the advertising
budget of the banking service provider.
[0029] The system and method of the invention have a number of advantages:
- the possibility to offer the service in question to a larger number of participants,
- the possibility of having a larger winnings fund thanks to international connectivity,
- promoting depositing among gamblers,
- the possibility of including persons opposed to games of chance (the persons who do
not wish to lose money for participating in games of chance),
- a uniform system in several countries - not disunited as games of chance having different
structures but the same in all countries.
1. A system for intermediating games of chance to banking service providers, comprising
an intermediation environment including at least one game-of-chance module and at
least one banking service provider's sub-system, whereas each banking service provider's
sub-system is connected to the banking service provider's computer system via a computer
network and over a secure communications channel, and each sub-system is equipped
with a user interface, whereas each banking service provider's sub-system is adapted
to receive messages containing information about the depositor and his/her contribution
for participating in a game of chance from one banking service provider's computer
system, the game-of-chance module is adapted to carry through games of chance and
enable the depositors to participate in the games of chance according to their contribution,
and the intermediation environment is adapted to intermediate the depositor's contribution
to the game-of-chance module, and the winnings information from the game-of-chance
module to the banking service provider's sub-system, characterised in that the information about the depositor consists of an identification code, whereas the
information enabling association of the identification code with the personal data
is maintained only in the banking service provider's computer system.
2. A method for intermediating games of chance to banking service providers, comprising
concluding an agreement between the person wanting to participate in a game of chance,
and the banking service provider, allotting the depositor an amount of game-of-chance
shares according to the size and term of his/her deposit or other parameters, identifying
the person in the bank according to the laws applicable to the banking service provider,
assigning the person a unique identification code, transmitting the identification
code with the contribution units to the banking service provider's sub-system in the
intermediation environment via a computer network and over a secure channel, opening
an account for the person in the intermediation environment, and transferring the
game-of-chance shares belonging to him/her to the account, enabling the person to
participate in the game of chance according to the rights due to the person's game-of-chance
shares, relaying the information about the winners from the game-of-chance environment
to the intermediation environment, notifying the persons having won in the intermediation
environment via their user accounts, and instructing by the intermediation environment
the banking service provider to deliver the winnings received to the depositor having
won.