U.S. patent application number 09/966706 was filed with the patent office on 2002-04-04 for method and apparatus for monitoring player loss in a gaming environment.
Invention is credited to Eisenreich, Thomas Allen, Ford, Brian W., Lewis, Larry C., Rowe, Rick.
Application Number | 20020039921 09/966706 |
Document ID | / |
Family ID | 27129827 |
Filed Date | 2002-04-04 |
United States Patent
Application |
20020039921 |
Kind Code |
A1 |
Rowe, Rick ; et al. |
April 4, 2002 |
Method and apparatus for monitoring player loss in a gaming
environment
Abstract
Methods and apparatus for facilitating and monitoring player
financial transactions, including the tracking of player losses,
are disclosed. In one embodiment, a system includes at least one
server and a plurality of game stations. The server has a memory
containing data files corresponding to players. The data files
contain information such as credits or monies in an account which
belong to the player and which may be used by the player to play
games. The data files also contain information regarding player
expenditures or deductions, such as amounts wagered by a player. In
one embodiment, player identification, such as that associated with
a player tracking function or a financial institution (banking)
account is used to identify the player for purposes of associating
data with the player's files. Using the financial information, a
player's gain or loss while playing games may be monitored by the
player and/or casino or other entity offering games.
Inventors: |
Rowe, Rick; (Reno, NV)
; Lewis, Larry C.; (Las Vegas, NV) ; Ford, Brian
W.; (Henderson, NV) ; Eisenreich, Thomas Allen;
(Henderson, NV) |
Correspondence
Address: |
R. Scott Weide
Weide & Associates, Ltd.
11th Floor, Suite 1130
330 South 3rd Street
Las Vegas
NV
89101
US
|
Family ID: |
27129827 |
Appl. No.: |
09/966706 |
Filed: |
September 27, 2001 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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09966706 |
Sep 27, 2001 |
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09921716 |
Aug 3, 2001 |
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09921716 |
Aug 3, 2001 |
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09497788 |
Feb 3, 2000 |
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Current U.S.
Class: |
463/25 ;
463/16 |
Current CPC
Class: |
G07F 17/3239 20130101;
G06Q 20/06 20130101; G07F 17/3255 20130101; G07F 17/32 20130101;
G07F 17/3281 20130101 |
Class at
Publication: |
463/25 ;
463/16 |
International
Class: |
A63F 009/24 |
Claims
I claim:
1. A system for monitoring player financial transactions in a
gaming environment for tracking player loss comprising: a plurality
of gaming devices; a financial transaction host, said financial
transaction host in communication with each of said plurality of
gaming devices via a communication network, said financial
transaction host including memory for storing at least one data
file corresponding to a player and identifiable with a player
identification, said at least one data file including financial
information including at least monetary amounts associated with
said player for use in playing one or more of said plurality of
gaming devices; and means for determining a player's financial loss
from said financial information.
2. The system in accordance with claim 1 wherein said financial
information comprises amounts deposited by said player.
3. The system in accordance with claim 1 wherein said system
includes means for establishing a communication link with an
outside financial institution, and wherein said financial
information comprises information regarding funds requested by said
player from said institution.
4. The system in accordance with claim 3 wherein said player
identification comprises information identifying said player at
said financial institution.
5. The system in accordance with claim 1 wherein said financial
information includes amounts bets by said player in playing one or
more of said plurality of gaming devices.
6. The system in accordance with claim 1 wherein said financial
information includes monetary amounts awarded to said player
playing one or more of said plurality of gaming devices.
7. The system in accordance with claim 1 including at least one
player identification input device for accepting said player
identification.
8. The system in accordance with claim 8 wherein said at least one
player identification input device comprises a card reader.
9. The system in accordance with claim 8 including at least one
currency dispensing apparatus for dispensing currency associated
with a player account at a financial institution and wherein said
card reader is associated with said currency dispensing
apparatus.
10. A method of monitoring player financial activities in a gaming
environment in which a player may play one or more games comprising
the steps of: generating a financial account corresponding to a
player, said account represented by at least one data file, said at
least one data file adapted to contain financial information;
storing financial information regarding monetary amounts belonging
to a player which may be used to play said one or more games;
storing financial information regarding monetary amounts expended
by a player in playing said one or more games; and determining
player loss from said financial information.
11. The method in accordance with claim 10 wherein said step of
generating a financial account includes associating a player
identifier with said account.
12. The method in accordance with claim 11 including the step of
identifying a player with said player identifier.
13. The method in accordance with claim 11 wherein said player
identifier is associated with a player's financial institution.
14. The method in accordance with claim 10 wherein said financial
information regarding monetary amounts belonging to said player
comprises information regarding amounts deposited by said player to
said account and amounts awarded to said player and credited to
said account in association with said player's play of said one or
more games.
15. The method in accordance with claim 10 wherein said financial
information regarding monetary amounts belonging to said player
comprises credit represented by financial data transmitted from a
remote financial institution.
16. The method in accordance with claim 10 including the step of
preventing said player from utilizing monetary amounts associated
with said account to play said one or more games for at least a
period of time if said determined player loss meets certain
criteria.
17. A method of monitoring game player financial transactions
associated with at least one game station coupled to a server, the
server including at least one data file representing a player
account, said account containing player financial information
comprising the steps of: crediting monetary amounts to said player
for use in playing a game at said game station to said at least one
data file; accepting input from said player transmitted from said
game station to said server, said input including player
identification information; deducting amounts bet by said player in
playing a game at said game station from said player account;
determining said player's net financial gain or loss from said
credit monetary amounts and said deducted amounts.
18. The method in accordance with claim 17 wherein said crediting
step comprises crediting an amount won by said player in playing a
game at said game station.
19. The method in accordance with claim 17 wherein said player
identification information comprises information identifying said
player to a financial institution.
20. The method in accordance with claim 17 including the step of
preventing said player from deducting amounts from said account if
said player is determined to have incurred a particular financial
loss during a particular period of time.
Description
RELATED APPLICATIONS
[0001] This application is a continuation-in-part of U.S.
application Ser. No. 09/921,716 Filed Aug. 03, 2001, which is a
continuation-in-part of U.S. application Ser. No. 09/497,788 filed
Feb. 3, 2000.
FIELD OF THE INVENTION
[0002] The present invention relates to a method of monitoring game
player financial transactions, including tracking amounts lost by a
game player.
BACKGROUND OF THE INVENTION
[0003] Traditionally, the play of casino games and other games of
chance was based on the wagering of actual money, such as coins and
currency. Coins and currency have traditionally been used directly
as bets in table games such as poker and blackjack. Alternatively,
the coins and currency are exchanged for chips which have a
representative monetary value.
[0004] As mechanical games of chance were developed, such as the
well-known slot machine, coins were used to activate the machines.
Later, bill validators were provided which allowed players to avoid
the need to convert their currency to coins before playing a gaming
machine.
[0005] Outside of the gaming industry, the consumers were provided
with a large variety of options to effectuate their banking and
other monetary transaction needs. For example, the credit card was
developed and has become widespread in use.
[0006] In some instances, the gaming industry has come to embrace
some of this technology and provide greater flexibility to
consumers. In general, however, the development of this technology
has focused upon interfacing existing external systems, such as
banking systems, with internal casino accounting. For example, U.S.
Pat. No. 5,457,306 discloses the use of credit cards in association
with gaming machines.
[0007] The prior art has not addressed, at least from the consumer
or player's point of view, providing convenient means for effecting
financial transactions in the gaming environment. In addition,
players are not provided with a convenient mechanism for tracking
their play, including expenditures and winnings. Player tracking or
reward systems and the financial aspects of playing games also
remain independent.
[0008] In some jurisdictions, a casino or other entity providing
gaming services is not permitted to allow a patron or player to
continue game play if the patron or player has lost more than a
given amount of money in a predetermined period of time. It is thus
important for a casino to be able to track the wins and losses of a
player to ensure compliance with these regulations.
[0009] Several problems frustrate the ability of a player and a
casino to monitor or track player wins and losses. In most game
play scenarios, a player places many bets and at one or more times
is paid winnings. It becomes very difficult for the player to track
the total amounts wagered and paid out for determining total loss
(or win). A casino may attempt to track a player's play with a
player tracking system where a gaming machine provides coin in and
coin out data. In many instances, however, a player may not use the
player tracking system. In addition, certain games which are played
may not be associated with the system. A player not using the
system may lose hundreds of dollars without the casino being aware
of the loss, in violation of the regulations.
[0010] A system and method for monitoring player financial
transactions, including tracking of player loss, is desired.
SUMMARY OF THE INVENTION
[0011] The present invention comprises methods and apparatus for
effectuating financial and reward transactions in a casino or
gaming environment. One embodiment of the invention comprises a
method and system for monitoring player financial transactions for
tracking player loss.
[0012] One embodiment of the invention comprises a financial
monitoring system. The system includes one or more gaming machines
or devices. The system also includes a financial system host. The
financial system host includes a memory for storing data.
Preferably, the data includes one or more files corresponding to a
player. The one or more files are identifiable with a player
identification.
[0013] Means are provided for generating financial data and
associating that data with a player's file or files. Means are also
provided for determining a player's loss. In one embodiment, this
means comprises software for determining loss from amounts credited
to and debited from the player's account.
[0014] In one embodiment, a plurality of player identification
input devices are provided. The input devices may be associated
with or be independent of the gaming devices. Each input device is
linked to the financial host for receiving player identification
information. The input device may comprise a card reader or similar
element for reading identification information from a player card,
such as a special player account or tracking card issued by a
casino, or a player's credit or ATM card.
[0015] One or more embodiments of the invention comprise a method
for monitoring player financial activities, including player
losses. In one embodiment, a player's deposits and credits are
tracked. In one embodiment, this tracking comprises monitoring a
player's request for funds from outside financial institutions such
as a bank. The monitoring may also comprise the tracking of a
player's deposits to their account and the award of winnings from a
gaming machine. In one embodiment, information regarding a player's
deposits or credits are stored in a financial account or file.
[0016] In another embodiment, a player's withdrawals, such as bets
or wagers placed by a player are monitored. This information is
also stored, such as in the player's financial account.
[0017] A player's losses (or winnings) are monitored using the
player's deposit or credit information and player bet or other
expenditure/withdrawal information.
[0018] In one embodiment of the invention, a casino or other game
operator may monitor a particular player's activities for
determining a player's losses. This information may be used to
ensure compliance with jurisdictional regulations which prevent a
casino from offering game play to a player who has lost more than a
predetermined amount of money in a predetermined amount of
time.
[0019] In one embodiment, the system or linked systems may be used
by multiple casinos, whether in one or more jurisdictions, for
monitoring player play.
[0020] Further objects, features, and advantages of the present
invention over the prior art will become apparent from the detailed
description of the drawings which follows, when considered with the
attached figures.
DESCRIPTION OF THE DRAWINGS
[0021] FIG. 1 is a flow diagram illustrating a method in accordance
with the present invention;
[0022] FIG. 1(a) is a flow diagram illustrating in detail a method
comprising a step of establishing an account in accordance with the
method illustrated in FIG. 1;
[0023] FIG. 1(b) is a flow diagram illustrating in detail a method
comprising a step of activating an account in accordance with the
method illustrated in FIG. 1;
[0024] FIG. 1(c) is a flow diagram illustrating in detail a method
comprising a step of determining if access to an account is
permitted in accordance with the method illustrated in FIG. 1;
[0025] FIG. 1(d) illustrates various flow diagrams of methods
comprising a variety of methods of utilizing an accordance in
accordance with the method illustrated in FIG. 1;
[0026] FIG. 2 illustrates a gaming casino player financial and
award transaction/monitoring system in accordance with an
embodiment of the invention; and
[0027] FIG. 3 illustrates a gaming machine which may be utilized in
the system illustrated in FIG. 2.
DETAILED DESCRIPTION OF THE INVENTION
[0028] The invention comprises one or more methods and apparatus
for facilitating and monitoring monetary and commercial
transactions in a gaming environment, including tracking of player
financial transactions in a manner permitting player loss
monitoring. In the following description, numerous specific details
are set forth in order to provide a more thorough description of
the present invention. It will be apparent, however, to one skilled
in the art, that the present invention may be practiced without
these specific details. In other instances, well-known features
have not been described in detail so as not to obscure the
invention.
[0029] In general, the invention comprises one or more methods and
apparatus for facilitating and monitoring transactions, or other
funds transfers and purchases, and especially those occurring at
least partially electronically. In one or more embodiments, the
methods and apparatus facilitate monetary and reward transactions
in a gaming environment. The methods and apparatus are adapted to
permit the tracking of financial transactions associated with a
player in the gaming environment, such as for determining or
monitoring player gaming losses.
[0030] In a preferred embodiment, at least one player account is
generated for use in monitoring and facilitating the financial
transactions. Financial information or data is associated with the
account. This data includes, or can be used to generate, player
loss information. The player loss information can be used by a
player to self-regulate their activities, or by a casino, such as
for enforcing play regulations.
[0031] Referring to FIG. 1, there is a flowchart illustrating
generally a method of creating an account and utilizing an account
in accordance with an embodiment of the invention. In a first step
S1, an account is established. The account is established by an
account provider. The account provider may be a retailer, bank or
other entity, such as described in more detail below, a casino. As
provided below, regardless of whether the account is referred to as
a financial, bank, debit, monetary or other named account, the
account has certain characteristics that define it. The account may
be established at the request of a party for use by themselves or
for use by another or others.
[0032] Referring to FIG. 1(a) there will be described one or more
methods for establishing an account. In a first step S1a, a
customer interfaces with an account provider. This step may
comprise the customer accessing a website belonging to the account
provider, calling an account provider customer representative, or
accessing one or more other means now known or later developed by
which the customer may provide information to the account provider.
Also, the customer may travel to the location of the account
provider or to a designated location provided by the account
provider (such as a kiosk).
[0033] In a step S1b, the customer provides data to the account
provider. This data is used to set up the account. The particular
data which is required may vary by provider. In one or more
embodiments, the data may include the customer's name and/or the
name(s) of the parties which are to be permitted to access the
account, address, telephone number, social security number, birth
date, mother's maiden name and/or other information. In the event
the customer is a business, the information may comprise the
business name, address, telephone number, taxpayer identification
number and/or similar information.
[0034] The particular manner by which this information is
transmitted to the account provider may depend upon the interface
the customer is using. For example, the data maybe input into a
graphical user interface associated with the account provider's
website and then sent to the account provider's computer, such as
over the Internet. The data may be provided orally over the phone
by the customer to the account provider. The customer may also fill
out a printed form and transmit the form, such as by mail or
facsimile.
[0035] in a step S1c, an account type is established. In one or
more embodiments, the account type may comprise one or more of the
following: general customer, charity debit, promotional, or
allowance account. The account may be utilized for a wide variety
of purposes and need not be limited to those described below.
[0036] A general customer account is preferably of the type where
funds belonging to the customer are assigned or credited to the
account, and payments, outgoing transfers and the like are
associated with direct debits of these funds from the customer's
account. As described below, the customer account preferably
permits deposits thereto as well. In one embodiment, the nature of
the account as a debit account differs from a credit type account
where those funds which are debited belong to the account provider
or other creditor with the requirement that the customer repay the
account provider with their funds at a date after a particular
transaction. In general, the general customer account permits a
customer to make and pay for purchases, obtain funds (such as
currency), and transfer funds into and out of the account. As
described in more detail below, in one embodiment, such
transactions may comprise the debiting of funds from the account as
payment for a wager or bet when playing a game, and may include the
deposit of winnings.
[0037] A charity debit account is preferably of the type where the
customer may only transfer funds from the account to an authorized
charity or similar entity, with no other debits permitted (except
return of the funds to the customer or transfer of funds to another
account belonging to another account at the specific instruction of
the customer). Generally, the customer will provide the account
provider specific information about the charity to which funds are
to be transferred. The customer may arrange the account such that
funds are debited and transferred to the charity at one or more
predetermined times and for one or more predetermined amounts.
[0038] A promotional account is preferably of the type where the
customer is a promoter arranging an account for use by one or more
other parties. For example, the promoter may be a store owner and
the parties who may use the account may comprise customers or
potential customers of the store. The promotional account is
arranged so that the parties or users may access the account in
accordance with the terms of a promotion offered by the promoter. A
promoter may establish an account having funds permitting a number
of parties to pay for a certain dollar amount of goods purchased at
their store via the promotional account. For example, a promoter
may establish a promotion for a number of parties, such as 1000
existing customers, whereby $10 of each purchase from the promoter
over $20 is payed for by the promoter. The $10 payment may be
debited from the promotional account at the time each party makes a
qualifying purchase to credit the parties' payment of the goods or
services. In one embodiment, the promotional account may comprise
an account entitling a party to play a predetermined amount of
money at games at a casino, or to obtain other goods or services
from the casino operator.
[0039] An allowance account is preferably of the type where funds
are arranged to be periodically transferred into the account. Such
an account may be extremely useful to parents having children. In
accordance with this account arrangement, funds are periodically
transferred into the account for subsequent use. The funds may be
transferred from another established account, or an account or
other source not associated with the account provider. For example,
parents may establish a customer account from which funds are
periodically transferred, such as every two weeks, into an
allowance account which is accessible by one or more of their
children. These children may access the allowance account to pay
for books and the like. In this manner, the parents may control
(and as described below, track) the spending of their children or
other parties which have access to the account.
[0040] An allowance account may also be used to pay bills and pay
for entertainment or be for other purposes. Monies maybe deposited
in the account periodically for paying particular bills, especially
those which are payable on a predetermined regular basis. The
allowance account may be used to define an amount of money for a
particular discretionary purpose. For example, a family may deposit
monies into an allowance account which may be used in that or
successive months for entertainment purposes, such as gaming,
travel, movies, or the like.
[0041] Those of skill in the art will appreciate that the
particular type(s) of accounts and their various features or
characteristics may be different than those provided above. For
example, an account may have one or more features associated with
more than one of the account types provided above.
[0042] In a step S1d, the account provider generates an account
number and associates the account number with the account. The
account number may be used by the account provider and customer to
identify the account.
[0043] In a step S1e, in one embodiment of the invention, the
account provider assigns the account with a maximum funds value or
value limit. In general, this value may be selected by the
customer. Most often, the maximum value will comprise the amount of
an initial deposit into the account by the customer. In one or more
embodiments, the account provider may only offer accounts having
pre-set limits, such as $50, $100, $250 or $500. In another
embodiment of invention, the account has no limit.
[0044] In a step S1f funds are deposited into the account. In an
embodiment where the account has a minimum limit, the maximum
amount of funds which may be deposited into the account does not
exceed the funds maximum value associated with the account.
[0045] In one or more embodiments, the customer may provide data
which permits the account provider to obtain funds electronically.
In one or more embodiments, this comprises providing the account
provider with a routing number for a checking or savings account at
a bank, account and access information for an ATM card linked to an
account, or a credit card. In one or more embodiments, a customer
may be permitted to deposit funds by mail or similar non or
partially non-electronic manner. A customer may also be permitted
to deposit monies in person, such as at a cashier cage at a casino
or a bank teller.
[0046] In a step S1g, the established account may be assigned an
expiration date. In one or more embodiments of the invention, this
step comprises associating date data with the account. The
expiration date may be generated in a wide variety of manners. The
expiration date may comprise a date which is determined by adding a
fixed period of time to the date on which the account is
established or, as described below, the date on which the account
is activated. As described below, the account is arranged such that
when the actual date reaches the expiration date, the account can
not be accessed except by the account provider.
[0047] In a step S1h, an account signature is generated and
associated with the account. The signature comprises a unique code
or other element for identifying the account and/or establishing
entitlement to access the account. In one or more embodiments, the
account provider generates the code based on one or more elements
of data associated with the account, such as customer provided
data, the initial funds deposit amount, the account number, the
account expiration date and/or one or more other elements. In one
or more embodiments, the account signature is generated from, or
includes, an access code or personal identification number (PIN)
data assigned to or selected by the customer as described below. In
one or more embodiments, the data used to generate the signature
may be input into an encryptor to generate an output which
comprises the account signature. The account signature may be
generated randomly as well. Preferably, whatever means is used to
generate the signature, each signature is unique for a particular
account.
[0048] In a step S1i, the account signature or identification
information is provided to the customer. In one or more
embodiments, the account signature is mailed to the customer, told
over the phone by a customer representative of the account provider
to the customer, or is transmitted electronically to the customer.
As described below, in the event the customer is provided with an
account access media, then the account signature may be provided on
the account media. The account signature may be printed on,
embossed in, or encoded on the account media or an element
associated therewith.
[0049] In a step S1j, an account access code is generated and
associated with the account. In one or more embodiments, the
account provider generates the access code. In other embodiments,
the customer generates the code and provides it to the account
provider. The access code may comprise a personal identification
number or "PIN" comprising one or more letters and/or numbers.
[0050] In a step S1k, the access code is provided to the customer.
In the case where the customer selects the access code, this step
is completed at the same time as step S1h. When the account
provider generates the code, the code may be mailed, electronically
transmitted or spoken to the customer.
[0051] In a step S1l, in one or more embodiments, the customer is
provided with an account access media. The access media may
comprise a card, check, ticket, chip or a wide variety of other
items. In one or more embodiments, the account signature is
associated with the access media. When the access media comprises a
card, check or the like, the account signature and/or account may
be printed or encoded thereon. The account signature may be
provided in one or two-dimensional bar code form or be encoded in a
magnetic stripe or a chip or other data storage element associated
with the media.
[0052] The account signature and/or access code may comprise a
physical characteristic of the customer. For example, the access
code may comprise a fingerprint or the customer's retinal features.
In general, the account number, signature and access code are for
use in identifying the particular account and ensuring that only
those parties with authority to access an account can do so. A
variety of other methods and devices may be used for these
purposes.
[0053] In one or more embodiments, the method need not include all
of the above-referenced steps. A variety of other steps and may be
associated with the establishment of an account for the customer,
and the steps described above need not be completed in the order in
which they were described.
[0054] In the above--described embodiment, an account number,
account signature and access code (i.e. PIN) are used to identify
and gain access. For example, in one arrangement, only an account
identifier, such as an account number, is assigned and used to gain
access to an account. In another embodiment, a PIN is also
utilized. In one embodiment, an account number may be used to gain
access to an account via a customer service representative. A more
complex account signature may be associated with an access media
for gaining access to the account, as the user need not remember
the complex account signature if it is stored and readable.
[0055] Referring again to FIG. 1, in a step S2, an account which
the customer wishes to access is activated. Normally, this step
will be in response to a customer wishing to access a newly
established account.
[0056] Referring to FIG. 1(a), there is illustrated one embodiment
of a method of activating an account in the event the account has
not been activated. In a first step S2a, the customer accesses the
account. In one or more embodiments, this step comprises a customer
contacting the account provider, such as via a web site of the
account provider or by telephone with a customer service
representative.
[0057] In a second step S2b, the customer provides their account
number, signature and, in one or more embodiments, the access code.
This account identification and access data may be provided by a
customer telling an account representative the information, typing
the information into a data input accepting element of a graphical
user interface of a web site, or otherwise transmitting such to the
account provider. In one embodiment, the account number and
signature may be scanned off of an account media provided the
customer, such as with a magnetic stripe or bar code reader.
[0058] In a step S2c, the account provider activates the account.
In one or more embodiments, this step comprises associating data
with the account which indicates that the customer and/or other
designated and/or appropriate parties may utilize and access the
account.
[0059] The account activation may be accomplished in a wide variety
of other manners. For example, in one embodiment, a customer may
activate an account by simply calling a phone number of the account
provider or entering the appropriate data into the account
provider's website. In this arrangement, it is not necessary for
the customer to access the account or provide all of the account
information which may be necessary for the customer to use the
account.
[0060] In one embodiment, an account may be activated for use by a
customer at the time it is established. When the account is
created, it may automatically be activated by the account
provider.
[0061] In such an arrangement, any access media associated
therewith may be separately activated. For example, the account may
be activated when established, allowing a customer to make
deposits, funds transfers or the like through an account provider
representative or website. However, the customer may not be
permitted to utilize an account media (such as for purchases or
cash withdraws) until the customer activates the account as to the
media. The customer may activate an access card by calling a
representative of the account provider after the card is received
or other means.
[0062] Referring again to FIG. 1, in a step S3 it is determined if
a customer wishes to access an account, as by a customer's
attempted use of the account. This step may be remote in time from
step S2, or at the same time. For example, a customer may activate
an account shortly after establishing it, but not access the
account for several days or weeks thereafter. A customer may also
wish to activate an account and utilize it at the same time, such
as when the customer wishes to pay for a purchase at a store.
[0063] In one or more embodiments, this step comprises determining
if a customer is accessing a bank, automated teller, customer
service representative, account provider website, remote payment
station, gaming machine or the like. In order to determine if the
customer is attempting to access an account, particular account
information and associated access data is required. This data may
be provided to the account provider or other account access
controlling entity in a number of manners. In one or more
embodiments, the account information may be directly provided by
the customer, as through data input into a website or spoken to an
account representative, or by reading the information from the
access media.
[0064] The customer may wish to access the account for a number of
reasons. For example, in the event a customer wishes to complete a
purchase from a vendor, such as on-line or at a store, the customer
may seek to access the account to pay for the purchase. The
customer may seek access to the account to obtain funds from an
automated teller machine.
[0065] In one or more embodiments, data must be provided to the
account provider to establish the entitlement of the customer to
access the designated account. This information may comprise the
account signature and/or access code. Again, the particular means
and/or method by which this information is provided may vary. In an
embodiment where a customer is seeking to access an account using
an access media, the account signature may be read or scanned from
the card, and the access code may be provided by the customer, such
as through a keypad. The customer may also provide such information
through a variety of data input devices, such as a computer or
customer station at a store, or provide the information directly to
an account representative.
[0066] When a customer wishes to access an account, in a step S4 it
is determined if the access to the account is permitted. In one or
more embodiments, and referring to FIG. 1(c), this step includes a
step S4a of determining if the provided account access information
is correct and complete. In one or more embodiments, this step
comprises comparing the provided account identification and/or
access information to that associated with the account which the
customer is seeking to access. If the required information has not
been provided or is not correct, access to the account is denied.
The customer may then be directed to contact the account provider
and/or attempt to re-enter the required data in case there was an
error in providing or transmitting it to the provider.
[0067] If the requisite access information is provided, then in a
step S4b, it is determined if the account is closed. If the account
has been closed, then access to the account is denied. The account
may be closed at the request of the customer, upon violation of
account terms and conditions or for a wide variety of other
criteria or reasons.
[0068] If the account is not closed, then in a step S4c, it is
determined if the account is expired. The account may be determined
to be expired if a current date is the same as or time-wise later
than the expiration date assigned to the account. If the account is
expired, the customer is not permitted to access the account
directly. Preferably, in that situation, the customer may access
the account only through the account provider. The customer may
contact the account provider and arrange for the removal of any
funds remaining in the account. Alternatively, the customer may be
permitted to re-activate the account with a new expiration
date.
[0069] If in step S4 it is determined that access is permitted to
the account, then in step S5, the customer is permitted to utilize
the account. As described below, a variety of transactions,
interactions with and manipulations to the account are
permitted.
[0070] Referring to FIG. 1(d), in one or more embodiments, in a
step S6, a customer is permitted to utilize the account to make a
payment to a third party. A variety of methods may be implemented
to effectuate this step. In one or more embodiments, in a step S6a,
it is determined if the account is a charity account. If so, in a
step S6b, funds are transferred from the charity account to a
selected charity.
[0071] In one or more embodiments, when a charity account is
established, the account provider designates the account a charity
account. At that time, a customer may designate one or more
charities to which funds placed in the account are to be
distributed to. These funds may be distributed in accordance with
the specific instruction of the customer at a later date, or at a
predetermined time or in accordance with a predetermine schedule.
The amount of the funds to be distributed may be designated by the
customer as well. In one or more other embodiments, the customer
may designate the charity(ies) to which funds are to be distributed
after the account has been established.
[0072] In one or more embodiments, the funds which are distributed
to the charity are transferred electronically from the account by
the account provider to an account belonging to the charity or an
intermediate escrow account or the like from which the charity may
obtain payment. In other embodiments, the funds may be mailed or
transmitted in other manners.
[0073] If the account is not a charity account, then it is
determined in a step S6c if the account is a promotional account.
If the account is a promotional account, then in a step S6c, the
account may be used to purchase or pay for goods from specific
parties. Preferably, the account provider must verify that the
purchase is being made from one of the authorized parties.
Normally, when the purchase is being made, the vendor will transmit
vendor identification information along with the customer's account
information. The account provider can verify the vendor from the
provided vendor information.
[0074] If in step S6c it is determined that the account is not a
promotional account, then it is determined that the account is a
customer or allowance account which may be used as the source of
payment for a transaction with, in general, any party. In step S6e,
the purchase or other transaction is then facilitated by debiting
the account.
[0075] It will be appreciated that a variety of steps other than
those described may be associated with the payment of a purchase
from the account. For example, in one step, the account provider
must generally verify that sufficient funds exist in the account to
permit the transaction. If sufficient funds do not exist, then the
transaction may not be permitted. Alternatively, as described
below, the account may be provided with a "credit" or "overdraft"
feature which would still permit the customer to access the
account.
[0076] As part of the transaction, the particular vendor may send
information which facilitates the transfer of funds from the
customer's account to the vendor's account by the account provider.
For example, this information may comprise a vendor identification
or account number.
[0077] As provided above, the method and apparatus by which the
customer accesses the account to facilitate a purchase may vary.
For example, if the customer is purchasing goods at a store, the
customer may swipe their access media through a card reader and
enter their access code. If the purchase is through a web-site or
similar on-line access, the data may be input into a graphical user
interface of the site. In one embodiment described in greater
detail below, the apparatus may include a system for use in a
casino or other gaming environment.
[0078] In accordance with one or more embodiments of the invention,
the payment for purchase may be arranged as an automated debit from
the account. For example, a customer may arrange for payments to be
made from the account on a periodic basis, such as in response to
monthly amounts due a party (such as for a car payment or the
like). In such event, the customer may provide the necessary debit
information to the account provider.
[0079] In one or more embodiments, a purchase may be made in the
form of an automatic funds transfer. For example, a customer may
arrange with a particular vendor an arrangement where payment for
the goods or services is made automatically. The customer provides
the vendor with the account data which is then used by the vendor
at one or more times subsequent thereto to affect payment. As an
example, a customer may provide account data to their electric
company. The electric company may then receive payment for the
electricity supplied to the customer each month directly from the
account through the account provider without intervention by or
acts required by the customer. In this embodiment, the step of the
customer accessing the account, step S3, generally comprises the
customer providing the account data to the vendor or other party
and then the vendor accessing the account as agent of the
customer.
[0080] As one aspect of utilizing the account, as illustrated in
FIG. 1(d), in a step S7, in one or more embodiments a customer may
deposit funds into the account. A variety of methods may be
implemented to effectuate this step. In one or more embodiments,
this step includes a step S7a of determining if the account is an
allowance type account. If so, then in a step S7b, funds are
periodically transferred into the account. If the account is an
allowance account, a customer will have provided the account
provider with a source of funds from which a transfer into the
account is to be made. The source of funds may be a customer's
credit card, a bank account, or another account in accordance with
the present invention. The customer will also have provided the
account provider with specific instructions as to when funds are to
be deposited, in what amount and the like.
[0081] If the account is not an allowance type account, then in a
step S7c, the customer must specifically arrange for the particular
transfer of funds with the account provider. For example, the
customer may access a web-site or customer representative and
provide source funds data. This data may comprise credit card
information, bank account and routing information or the like. The
customer may also arrange for funds transfer between accounts at a
bank or similar provided customer station, phone controlled system
or the like.
[0082] As one aspect of utilizing the account, as illustrated in
FIG. 1(d), in a step S8, in one or more embodiments a customer may
withdraw funds from the account. A variety of methods may be
implemented to effectuate this step. In one or more embodiments,
the funds withdrawal may comprise the issuance of currency such as
U.S. or other dollars, or other media. In one or more other
embodiments, the withdrawal may comprise the transfer of funds to
another entity or account.
[0083] In general, when the customer desires to obtain currency,
the customer travels to an automated teller machine (ATM), bank or
similar currency dispensing location. In such event, the step of
providing the requisite account data (see step S3) may comprise
swiping an account media and inputting an access code. In the event
the customer does not have an access media, the customer may
provide the requisite data directly to a teller or other bank
personnel for input into a system.
[0084] If the customer desires to withdraw funds and have the funds
transferred into another account, the customer may be permitted to
do such over the phone, via the account provider's web site, or at
a bank or other location. In this regard, the number of locations
at which a customer may effectuate the transfer is not constrained
to locations where currency can be dispensed.
[0085] If the customer requests funds, and if such funds exist in
the account, the customer is provided with funds. This step may
include the step of transmitting the funds request to the account
provider and the account provider comparing the amount of funds
requested versus the total amount of funds in the account. If the
funds exist, then the account provider may send a signal or other
indication that it is permissible to dispense the funds.
[0086] In one or more embodiments, the customer is permitted to
request currency or a transfer. If currency is requested, then
currency is dispensed. If a transfer is requested, then the funds
may be transmitted electronically to a new account. In the event
the funds are to be transferred to another account, the customer
provides the necessary information, such as the receiving account
number and/or routing number and/or receiving party
information.
[0087] As one aspect of utilizing the account, as illustrated in
FIG. 1(d), in a step S9, in one or more embodiments a customer may
obtain account information and manage their account. A variety of
methods and devices may be utilized to effectuate this step. For
example, a customer may call an automated telephonic information
system, call a customer service representative or access a web site
belonging to the account provider. In one or more embodiments,
certain information and transactions may be permitted through an
automated teller machine or similar remote access site.
[0088] In one embodiment, this step may include one or more of the
following steps. In a step S9a, a customer may be permitted to
obtain their account balance. The account balance may be provided
on a viewing screen or printed on paper.
[0089] In one or more embodiments, in a step S9b, a customer may
obtain the account limit for their account. The limit value may be
displayed to the customer if the customer is located at a display,
or may be printed onto a media, such as paper, and dispensed or
mailed to the customer. If the customer is utilizing a phone
system, the information may be transmitted over the phone.
[0090] In one or more embodiments, in a step S9c, a customer may
change information associated with their account. This information
may comprise their name, address, telephone number, the name(s) of
parties permitted to access the account and the like.
[0091] In a step S9d, a customer may change their access code or
similar access information. For example, in one embodiment, the
account provider may assign the customer the access code when the
account is established. In accordance with this step, the customer
may change this access code to a code of their selection.
[0092] In a step S9e, a customer may obtain information regarding
transactions associated with the account. This information may
include information regarding fund deposits, withdraws and other
transactions. In one or more embodiments, the customer may obtain
information regarding an amount paid or transferred out of the
account, the date of the transfer and the party to whom the amount
was paid or transferred. The customer may obtain information
regarding an amount deposited or transferred into the account, the
date of the transfer and the origin of the funds.
[0093] In a step S9f, a customer may close the account. When
closing the account, the customer may indicate to the account
provider the location to which any funds remaining in the account
are to be transferred.
[0094] In a step S9g, a customer may re-activate an account in
order to change its expiration date. For example, before an account
expires, a customer wishing to utilize the account for a longer
period of time may elect to re-set the expiration date for the
account. In one or more embodiments, the date is automatically set
by the account provider, such as by adding a period of time to the
current expiration date or the current date. In one or more other
embodiments, the customer may select a new expiration date in the
future.
[0095] As one aspect of utilizing the account, as illustrated in
FIG. 1(c), in a step S10, in one or more embodiments a customer may
change the status of the account. A variety of methods may be
implemented to effectuate this step. In a step S10a, a customer may
change the account type, such as from a customer account to a
charity or other account, or vice versa. In a step S10b, a customer
may merge one account with another account. For example, a customer
having two accounts may wish to merge the accounts into a single
account. A customer having one account may establish another and
then merge or eliminate the first account in favor of the
second.
[0096] Several examples of account merging are provided below:
1 John Doe's Debit Accounts Account Type Balance Status $250 Debit
Account $100 Remaining Active until 1/1/01 $150 Debit Account $50
Remaining Active until 4/1/01
[0097] After merging accounts into a new account:
2 John Doe's Debit Accounts Account Type Balance Status $250 Debit
Account $0 Remaining Closed $150 Debit Account $0 Remaining Closed
$150 Debit Account $150 Remaining Active until 6/1/01
[0098] Alternatively, the owner of the accounts may wish to
transfer the $100.00 remaining from the $250 account into the $150
account with $50.00 remaining. This would close the $250 debit
account and establish a new balance of $150 in the $150 debit
account. An example of this transaction is as follows:
3 John Doe's Debit Accounts Account Type Balance Status $250 Debit
Account $100 Remaining Active until 1/1/01 $150 Debit Account $50
Remaining Active until 4/1/01
[0099] After transferring the remaining amount into the $150
account:
4 John Doe's Debit Accounts Account Type Balance Status $250 Debit
Account $0 Remaining Closed $150 Debit Account $150 Remaining
Active until 4/1/01
[0100] A customer may also be permitted to close the account. If
the account is empty, the account is simply closed by the account
provider so that further access to the account by the customer is
prevented. In the event funds exist in the account, the customer
may be provided with the option of transferring the funds to
another location or account, or obtain the funds from the account
provider by mail.
[0101] In accordance with one or more embodiments of the invention,
the account provider may provide a credit line or "overdraft"
protection for the account. This option may be provided to the
customer for free or upon payment of specific service charges. In
accordance with this embodiment, in the event a customer wishes to
withdraw funds from the account (whether to obtain currency,
transfer to another account or payment for goods/services) in an
amount greater than that which exists in the account, the account
provider may supply the funds to the customer.
[0102] In one or more embodiments, the account provider may charge
the customer a specific fee for utilizing the credit line, such as
a per usage fee, interest or the like. In one or more embodiments,
after a particular transaction which exceeds the amount of funds in
the account, the account is frozen until sufficient funds are
placed in the account or provided to the account provider to cover
the funds deficiency.
[0103] One or more embodiments of the invention comprise apparatus
for use in performing the above-described methods. As stated above,
this apparatus may include an access media, such as a card, check,
chip or the like. The apparatus may also include a wide variety of
devices for interacting with the account provider and/or account.
These devices may include some existing devices, such as existing
bank teller machines, card reading devices, and data receiving and
transmitting devices.
[0104] In one embodiment, the apparatus includes a computing
device. The computing device includes a memory for storing data.
Preferably, the data comprises files of information representing
accounts and account information. Means are provided for
effectuating the methods of debiting, crediting and
manipulating/managing the accounts. In one embodiment this means
comprises software, such as machine-readable program code, for
effectuating these tasks.
[0105] In one embodiment, the computing device may be associated
with a network or system. The network may include the Internet, a
LAN, WAN, or devices connected by dedicated line or other means of
communication.
[0106] In one or more embodiments, a customer is permitted to
establish and interact with their account via a website or similar
on-line access. The website may include a graphical user interface
designed to provide information to the customer and prompt and
accept that information. The website may have multiple levels or
pages. For example, the website may have a home page or "log-in"
page which prompts a customer to either identify that they are a
new customer and wish to establish or activate an account or
identify themselves as an existing customer and have them provide
the requisite account information.
[0107] If the customer is a new customer, the customer may be sent
to a webpage at which information is provided to the customer about
the various accounts which may be established. This or other pages
may include prompts for providing the data necessary to establish
an account.
[0108] If the customer is an existing customer and provides the
necessary information to access the account (as in Step S3-S5 set
forth above), then the customer may be presented with a menu page.
At this page the customer may be selected with a menu of items from
which to select. These items may be similar to those of steps
S7-10. For example, a customer may be provided with a "manage
account" item. Upon selecting this item, the customer may be
presented with a number of sub-menu items. These items may comprise
those items identified in steps S9a-f.
[0109] In one or more embodiments, a webpage may display account
information for more than one account belonging to a customer. A
variety of means may then be presented to the customer for use in
manipulating these accounts. For example, a customer may then be
permitted to "drop and drag" funds or the like from one account to
another.
[0110] As indicated, the account provider may have one or more
devices adapted to store account information and receive and
transmit account data, data representing funds transfers and the
like. The data storage device may comprise one or more hard drives
or similar elements used to store account data. Modems, servers or
similar devices may be used to transmit and receive data.
[0111] The devices used to implement the present invention may be
incorporated into existing systems facilitating monetary and
commercial transactions. For example, the access media associated
with an account in accordance with the present invention may be
utilized with current card-reading devices.
[0112] In accordance with one or more embodiments of the invention,
an account provider may issue accounts associated with access media
which are available for purchase by customers. For example, an
account provider may associate an account with an access media. The
access media may have associated therewith an expiration date,
account data and a maximum value. A customer may "purchase" the
account and associated access media at a retail location. When the
account provider is a bank, the bank may place access media on sale
at retail locations such as grocery and retail stores.
[0113] A customer purchases the account and card by paying the
retailer (who in turn pays the account provider). In one or more
embodiments, the customer may thereafter access the account by
activating the account. This may comprise calling the account
provider after purchase. At that time, the account provider may
provide the customer with an access code for use in using the
access card. The access code could be provided on the card, but
this arrangement has added security in that the account provider
can ensure that the account is only accessed once it has been paid
for.
[0114] In this embodiment, a customer may conveniently obtain a
"pre-paid" account for themselves or for another party. The account
may be used in similar fashion to a credit or ATM card, permitting
purchases from any vendor and permitting access to cash from any of
a variety of cash-dispensing locations.
[0115] It will be noted that in this embodiment, the step of
establishing the account is generally accomplished by the account
provider without input from the customer. In one or more
embodiments, after purchasing or obtaining the access card, a
customer maybe required or permitted to provide additional
information in order to access the account.
[0116] As indicated, in one embodiment of the invention, the access
card or media may indicate an expiration date thereof and/or the
associated account. If the access media and/or associated account
is expired, the purchase is not permitted. If the access media is
about to expire, the customer may purchase it and, if the customer
wishes to extend the expiration date, contact the account provider
after purchase to do so. In one or more embodiments, the expiration
data may not be printed on the access media, but when it is
purchased scanned, read or the like by the vendor to ensure that it
is still valid. When a purchase of an access media is made, the
expiration data may then be reset a predetermine time from the
purchase, with this information scanned onto the card or otherwise
associated with the account.
[0117] In the above-described arrangement, each access media, once
paid for, generally has the same characteristics as cash. A
customer may pay for goods using the purchased access media. A
customer may deposit the funds associated with the access media
into another account, or transfer it to another party.
[0118] One or more embodiments of the invention comprise a method
and apparatus for permitting and tracking or monitoring financial,
reward and other transactions in casino or gaming environment. One
or more embodiments of the invention comprise specific or related
implementations of the methods described above and illustrated in
FIGS. 1-1(d).
[0119] Applications of these methods and other methods of the
invention are described below. In one embodiment, the methods may
be implemented via a casino player financial and award transaction
system 100 as illustrated in FIG. 2.
[0120] Referring to FIG. 2, in a preferred embodiment, the system
100 includes one or more gaming machines 102 or other gaming
devices. FIG. 3 illustrates in greater detail one embodiment of
such a gaming machine or device 102. In general, the gaming machine
102 is adapted to present at least one game for play to a player.
As illustrated, the gaming machine 102 includes a housing 104 which
supports and/or houses the various components of the gaming machine
102. In the embodiment illustrated, the gaming machine 102 is
adapted to present a game of "slots," and includes three rotating
reels 106a,b,c. A handle 108 or spin button 110 may be used to
effectuate rotation of the reels 106a,b,c.
[0121] In this well known game, a player may be declared a winner
of the game and awarded an award if the result of the rotation of
the reels 106a,b,c is a predetermined combination of symbols. It
should be understood that the gaming machine 102 may be adapted to
present one or more of a wide variety of games. Depending upon the
game presented, the configuration of the machine may vary. For
example, in the event the gaming machine 102 is adapted to present
the game of video poker, then the gaming machine 102 may include a
video display.
[0122] In one or more embodiments of the invention, the gaming
machine 102 is adapted to present a wager-type game. In this
arrangement, a player is required to place a bet or wager in order
to participate in the game. In the event the outcome of the game is
a winning outcome, then the player may be provided with an award
such as coins or currency, or credits which may be redeemed for
prizes or money. In one arrangement, the award may be winnings in
proportion to the amount wagered or bet by the player.
[0123] In order to accept a wager, the gaming machine 20 may
include a coin acceptor 112 for accepting coins. The gaming machine
20 may also include a bill acceptor or validator 114 for accepting
paper currency. In a preferred embodiment, the gaming machine 102
is also provided with means for accepting input regarding an
account, such as a card reader 116 for reading an access media in
the form of a card including a magnetic stripe. If the access media
has another form, then the input device may be suitably arranged,
such as a bar code reader for reading a printed bar code.
[0124] In one embodiment, the card reader 116 is associated with a
player tracking system. In another embodiment, the card reader 116
may be separate from a card reader or other device associated with
the player tracking system.
[0125] In a preferred embodiment, the gamine machine 102 is
associated with a player tracking system. Such a system may also be
referred to as a player reward or player loyalty system. The
details of this system are described in more detail below. In
general the player tracking system includes a gaming machine player
tracking device associated with a player tracking host system via a
network including a communication link.
[0126] The player tracking device of the gaming machine 20 also
includes a card reader. As indicated, in one embodiment the card
reader of the player tracking device is the same as the access
media card reader 116.
[0127] In one embodiment, the gaming machine 102 includes one or
more additional input devices. The gaming machine 102 preferably
includes a keyboard or keypad 1118 which permits input from a
player. The keypad 1118 permits input of an account access personal
identification number (PIN).
[0128] The gaming machine player tracking device may have a variety
of other configurations and include the other devices.
[0129] Referring again to FIG. 2, in one embodiment the system 100
includes a plurality of gaming machines 102. Preferably, each
gaming machine 102 is associated with one or more other devices
through a wired or wireless communication network including at
least one communication link.
[0130] In one embodiment, each gaming machine 102 is in
communication at one or more times with a financial transaction
host 120. The financial transaction host 120 may comprise a single
computer or a group of computers associated with one another on the
network. Appropriate hardware and/or software is provided for
permitting the one or more computing devices of the financial
transaction host 120 to send and receive information. For example,
in one embodiment, data may be sent to and from the financial
transaction host 120 in accordance with any number of protocols,
such as TCP/IP, Ethernet, IEEE-1394, Bluetooth and others.
Appropriate hardware and software is provided for implementing
these protocols. Of course, the communication protocol and the form
of the network are chosen in tandem. For example, the Bluetooth
protocol may be implemented with a wireless network including
wireless data relay stations. An IEEE-1394 protocol may be
implemented over a wired network, such as copper wire or fiber
optic lines.
[0131] In one embodiment, the financial transaction host 120
includes at least one data storage element for storing the account
information. The data storage element may comprise a hard drive,
RAM, tape drive, CD-ROM, DVD-RAM or other memory or data storage
member or element. The financial transaction host 120 may include a
number of other devices, such as one or more displays, keyboards
and other devices for displaying data, controlling operation
thereof and the like.
[0132] In one embodiment, the financial transaction host 120
includes hardware and/or software for creating financial accounts
such as described above, and for implementing account transactions,
as also described herein. In one embodiment, the financial
transaction host 120 is associated with one or more additional
networks besides that including the gaming machines 102.
[0133] In one embodiment, the financial transaction host 120 is
associated with the Internet and one or more closed or partially
closed networks, such as financial/banking networks. In one
embodiment, the financial transaction host 120 includes a
communications gateway 122. The gateway 122 is preferably adapted
to permit communications between the financial transaction host 120
and other devices where the communications protocol maybe
different. For example, the casino player financial and award
transaction system 100 may employ a IEEE-1394 communication
protocol. On the other hand, the host 120 may be adapted to receive
information from and transmit information to the Internet, which
utilizes a TCP/IP protocol.
[0134] In one embodiment, communications pathways may be provided
between the financial transaction host 120 and a variety of devices
in a variety of manners. For example, communications may be
permitted via phone line or dedicated line. A player or customer
may access the financial tracking host 120 via the Internet 124
from a remote location 126. A player may also access the financial
transaction host 120 via a direct line, such as a direct-dial phone
line connection. Connections with other financial institutions 128
may be by dedicate or secure lines 130.
[0135] In one embodiment, the system 100 includes one or more
kiosks 132. Such a kiosk 132 may comprise an apparatus at which a
player may gain access to the financial transaction host 120. The
kiosk 132 may have a variety of forms. In one embodiment, the kiosk
132 may comprise a computing device including a processor, display,
and at least one communication interface with the system 100.
[0136] In one embodiment, one or more customer service centers 134,
such as cashier booths, mobile stations or the like may be
associated with the system 100. Preferably, a player may engage in
one or more transactions at such a center 134, such as depositing
funds into their account.
[0137] In one or more embodiments, the system 100 includes a player
tracking or reward system host 136. The player tracking or reward
system host 136 is in communication with the player tracking device
of each gaming machine 102 via the at least one communication link
of the system.
[0138] In like fashion to the financial transaction host 120, the
player tracking host 136 may comprise a single computer or a group
of computers associated with one another. Appropriate hardware
and/or software is provided for permitting the one or more
computing devices of the player tracking host 136 to send and
receive information. In one embodiment, the player tracking host
136 includes at least one data storage element for storing the
player information. The data storage element may comprise a hard
drive, RAM, tape drive, CD-ROM, DVD-RAM or other memory or data
storage member or element. The player tracking host 136 may
including a number of other devices, such as one or more displays,
keyboards and other devices for displaying data, controlling
operation thereof and the like.
[0139] In one embodiment, the player tracking host 136 and the
financial transaction host 120 may comprise the same apparatus or
group of apparatus. In the embodiment illustrated, the player
tracking host 136 and financial tracking host 120 are separate, but
in communication with one another. In one embodiment, some but not
all of the components of the hosts may be shared, such as a memory
or data storage device or devices.
[0140] In one embodiment, the player tracking host 136 is adapted
to implement a player tracking/reward or "comp" function. The
player tracking host 136 may thus be adapted to aggregate game play
data regarding various players playing the gaming machines 102.
This data may include information such as the length of time of
game play, amounts bet, amounts awarded, and a wide variety of
other information. In general, the player tracking device of each
gaming machine 102 is adapted to transmit the player tracking data
over the communications link(s) to the player tracking host 136.
Based on player activities, a player may be awarded a "comp". Comps
are generally awards, such as prizes, money, free game play,
lodging or the like which are provided to the player apart from any
awards which the player receives from direct game play. Such are
referred to as "comps" as they are "complimentary" and generally do
not require specific obligation, such as an additional bet, in
order to be received. The system is often referred to as a reward
or loyalty system because a player is generally awarded an award
resulting from an extended or frequent game play. In one
arrangement, a player may acquire points based upon a game
criteria, such as amounts bet, won or lost. If a player accrues
sufficient credits, the player is awarded a reward.
[0141] Preferably, one or more data files are stored at the memory
(or other data storage device/element) which is located at or in
association with the financial transaction host 120. In one
embodiment, the data file corresponds to a player. The data file is
accessible or identifiable by identification information, such as
an account number or player identifier.
[0142] As described herein, this identifier may be stored on a
player card. As detailed above, in one embodiment a password,
player PIN or the like may be required to access an account or file
in addition to the player identifier. In one embodiment, the player
PIN is stored at the data file and is used to confirm the PIN
entered by the player.
[0143] In one embodiment, a player may have more than one account.
Each account may be represented by one or more different data
files. In another embodiment, the information regarding all
accounts may be stored in a single data file. Different identifiers
or different PINs may be used to identify and access each
account.
[0144] Where a single host or server is provided for both financial
and reward/tracking functions, the data files or accounts may
include both information regarding a player's finances and game
play information, such as rewarded points. Where separate servers
or hosts are provided, separate or different accounts or files may
be provided. In one or more embodiments, certain aspects of the
invention may be implemented without any player tracking host at
all.
[0145] In one embodiment, the system includes data files containing
information regarding credits or monies which the player may use to
play a game or obtain other goods or services. In one embodiment,
the credits or monies may have been deposited by the player. The
credits or monies may also be awarded or rewarded, or purchased, as
described below.
[0146] Means are provided for deducting credits or monies which are
used by a player. This means may comprise software, such as
computer program code. In one embodiment, a signal is transmitted
from a gaming machine to the financial transaction host 120 in
response to input from a player to place a bet (such as by pressing
a bet button at the game). If the player has credits associated
with their account, a signal is transmitted back to the gaming
machine 102 approving the bet, and the monies or credits are
deducted from the player's account. The deducted monies may be
tracked for accounting purposes, such as by crediting the debited
amount to a casino account or holding account.
[0147] Means are also provided for crediting monies or credits
which are won by a player. This means may again comprise software.
When a gaming machine indicates a win, the amount won may be
credited to a player's account.
[0148] In one or more embodiments, means may be provided for
assigning account criteria and determining if account criteria are
met. As noted above, such criteria may comprise a limit on the
amount of funds which may be debited from an account during a
period of time, that no winnings are to be credited to the account,
that a portion of funds credited are to be donated to a charity,
that tax withholding is to be removed from all winnings, or a wide
variety of other criteria.
[0149] In a preferred configuration of a system of the invention,
each player is provided with a single access media, such as a
player card. By using this single card at a gaming machine, both
financial transaction and player tracking/reward functions are
enabled. If a player has more than one account, such as a debit
financial account for playing games and a credit account to which
winnings are paid, then when playing the game the system is adapted
to use the player's main or debit account. A player may still
access and manage all of their accounts, such as remotely from a
computer, at a kiosk or customer service location. In one
embodiment, a player may need to utilize a different identifier to
access other accounts. For example, such accounts may be provided
with other account numbers, or the players PIN number may differ
for accounts all having the same main account number.
[0150] In one embodiment, the system is arranged to permit a player
to access all of their accounts once their single identifier (such
as account number) and PIN (if necessary) are provided. For
example, the system may generate and send information to the player
for display on a display screen. This information may include
information regarding all of the player's accounts. A player may
then select a particular account to manage, such as for causing the
system to display detailed information regarding that account.
[0151] It will be appreciated that a system for implementing one or
more methods of the invention, including specifically in a gaming
environment, may vary from that described and illustrated. In one
embodiment, the system may be adapted to include table and other
types of gaming devices.
[0152] One or more methods of the invention specifically relating
to the casino or gaming environment will now be described.
Referring to FIG. 1, in one embodiment, a casino patron or player
may establish an account with a casino. As noted above, there are a
variety of ways for a player to establish an account, including
registering on-line (such as over the Internet) or at the casino or
a kiosk.
[0153] With respect to the casino or gaming environment, a wide
variety of accounts may be established. These accounts may have a
wide range of criteria associated therewith. For example, a player
may set up a player account in similar fashion to a general
customer account. This account may be arranged to permit both
withdrawals and deposits, and may or may not have a limit
associated therewith.
[0154] One particular account which may be permitted is a limit
account, which permits only a predetermined amount of withdrawals
over a period of time. For example, the account may permit a player
to withdraw only $500 per month. A player may wish to establish
such an account to limit their total expenditures over time.
[0155] Another account may have a deposit limit. The deposit limit
works in a similar fashion to a limit account, except that the
maximum amount which may be withdrawn is limited by the maximum
amount which may be deposited. For example, the account may have a
limit of $100, permitting a player to only deposit $100. In one
embodiment, the limit may be for a predetermined period of time,
such as a maximum of $100 per month, with the total amount which
may be associated with the account increasing over time. An account
with a deposit limit may have a deposit limit only for the player.
If a player wins a large jackpot, for example, the casino may
credit the jackpot to the account even though the jackpot exceeds
the deposit limit.
[0156] In one embodiment, the account may be provided with special
features which are associated with linked accounts. For example, a
player may be permitted to designate a particular portion of their
winnings to a charity account, account for treatment of gambling
addiction or the like. The account may have criteria for
transferring 1% of all winnings deposited into the account to such
other accounts. Other amounts may be transferred, and the time of
the transfer may vary, such as at periodic times or at the time the
winning is credited.
[0157] In one or more embodiments, a player's financial account may
also comprise a player tracking account. In this arrangement, the
account may be associated with one or more files both delineating
the financial aspects of the account, but also information
typically contained in a player's player tracking file. The player
tracking information may include player identification information,
generally common to the financial data. The player tracking
information may also include information such as the length of time
a player has played a game, the amounts won and/or lost,
information regarding past game play, calculated theoretical win
and loss information, and other information as is known in the art.
Alternatively, a player's tracking and financial accounts may be
linked.
[0158] As noted above, in a preferred arrangement, a player is
issued a single access media which is associated with both the
financial account and player account (whether such accounts are
separate or merged). In this arrangement, activities associated
with player tracking and financial accounting may occur
simultaneously from the player's perspective. Referring to FIGS. 2
and 3, a player may travel to a gaming machine 102 and insert their
player card into the card reader 116. In response to the card
insertion, the player tracking device at the gaming machine 102 may
be caused to request input of a player's identification or PIN
number. This requested may be displayed on a video display at the
gaming machine.
[0159] The player may input their PIN via the keypad 1118 at the
gaming machine 102. The player's account identifier (such as
account number) reader from the card and the player's inputted PIN
are then transmitted from the gaming machine 102 to the financial
transaction host 120 and/or player tracking host 136. The financial
transaction host 120 and/or player tracking host 136 may then
verify the identity of the player and entitlement to use the card
(such as by verifying the inputted PIN against the player PIN
stored in a file associated with their account).
[0160] A player may then engage in the play of a game. In a game
requiring a bet or wager, the player may first attempt to place a
bet, such as by pressing a "bet" button at the gaming machine 102.
In response to a request to place a bet, the gaming machine 102 may
send a signal to the financial transaction host 102 for
verification that the player has sufficient funds (i.e. credits or
monies) associated with their account to place the bet. If so, then
the bet amount may be credited to the gaming machine, and the bet
amount may be debited from the player's financial account.
[0161] If the accounts does not include sufficient funds, the
player may be notified, such as by a visibly displayed or audio
notification. The player may then provide an alternate method of
payment, such as insertion of coins or bills. The player may also
travel to a cashier cage and deposit funds into their account.
[0162] In one embodiment, a player may be permitted to deposit
funds into their financial account at the gaming machine 102. A
player may insert coins or bills, and have the deposited amounts
credited directly to their account.
[0163] In one embodiment, the financial transaction host 120 may
transmit credit information to a gaming machine 102 regarding the
total credits in the account belonging to or useable by the player.
The number of credits may be adjusted based upon the denomination
of bets which the gaming machine accepts. For example, if a player
has $100 in their account and begins playing a 25 cent minimum bet
slot machine, then the machine may indicate that the player has 400
credits.
[0164] Advantageously, while the player plays the game, the player
tracking host 136 may track the player's play. For example, the
gaming machine 102 may transmit game play information such as
length of play time to the player tracking host 136.
[0165] In the event the player is awarded winnings while playing a
game, then those winnings may be paid directly to the player in a
manner commonly known, or may be credited to the player's account.
For example, if a player wins 400 credits while playing a 25 cent
machine, the player's account may be credited $100. As noted, the
manner by which winnings are credited may depend upon criteria
associated with the account. If the player has a charity function,
1% or $1 of this winning may be credited to the appropriate charity
account and the remainder to the player's financial account. If the
player wishes, the winnings may be deposited in a separate winnings
account belonging to the player. Such an account may be arranged to
prevent withdraws at a gaming machine. In this manner, a player may
play until the funds in their main account are exhausted, and then
the player may obtain their winnings from play of the main account
moneys.
[0166] In a preferred embodiment of the invention, a player may
access their account and engage in a wide variety of activities in
similar manner to that illustrated in FIG. 1(d). For example, a
player may be permitted to access their account from a remote
location. Referring to FIG. 2, a player may be permitted to access
their account via the Internet. The financial transaction host 120
may be configured to generate a graphical user interface which is
displayed to the player and via which the player may provide
input.
[0167] The player may be provided with a variety of options. In one
or more embodiments, a player may be entitled to make changes to
their account, such as change their PIN, address or the like. A
player may also be able to deposit funds. In one embodiment, a
player may provide bank account or credit card account information
which is then used by the financial transaction host 120 to effect
an electronic funds transfer to their account via a separate
financial communications link.
[0168] A player may be able to change characteristics of their
account, such as limits on withdrawals. In some instances, changes
may only be made by or with the permission of the account
provider.
[0169] A player may be permitted to move funds between accounts.
For example, a player may be permitted to withdraw funds from one
of their accounts and move the funds to another of their accounts
or to the account of another party.
[0170] In a preferred embodiment, a player is permitted to view
information regarding their player tracking account in a similar
manner or at the same time as they obtain their financial account
information. As is known, it is common to award points to game
players based upon their game play. These points may be redeemed
for prizes, such as free game play, food, tickets to shows and
other goods and services.
[0171] In one embodiment, a player may be provided with both their
monetary account balance and their point total. In some instances,
a player may be permitted to "buy" player reward points, or cash in
player point. In the first arrangement, a player may desire to
obtain a player reward but may be a few points short of the level
of points necessary. The player may be permitted to transfer money
from their financial account to the casino to buy the additional
points necessary. In the second arrangement, the casino may offer a
"cash-back" on points. A player may turn in their points at a
predetermined rate for money which is deposited in their financial
account.
[0172] In one or more embodiments, a player may be permitted to use
deposited funds at the casino, and may not be permitted to withdraw
funds. This account arrangement is particular suited to that where
a casino offers cash-back on play or points, as the casino is then
assured that the player will bet those monies again at a later
date. This account configuration also is particularly suited to the
casino offering a bonus. For example, a casino may deposit an
amount equal to a predetermined amount of a player's deposit in
addition to the player's deposit. For example, a casino may
indicate that the size of a player's deposit is 105% of the
player's actual deposit.
[0173] One or more embodiments of the invention maybe used to
facilitate remote play of a game or games by a player. In one
embodiment, game information may be transmitted to a player at a
remote location, thus enabling a player to play the game at the
remote location. For example, referring to FIG. 5, the system 100
may include a game server 138 which generates game play information
and receives or accepts game play input from a remote player. The
game server is preferably in communication with the gateway 122 or
other communication interface so that game play information may be
transmitted to a player over a dedicated line or the Internet. A
player's input may be transmitted from the player's location to the
game server 138. The player's location may comprise a remote
dedicated station, a desktop or laptop computer or the like.
[0174] Advantageously, a player's remote play in this fashion may
be tracked by the player tracking network, with game play
information transmitted from the game server 138 to the player
tracking server 136. In addition, a player may use their financial
account to both fund their betting activities and receive
winnings.
[0175] In like manner to the play of a gaming machine 102, a remote
player may input their account information, such as by swiping
their card through a card reader associated with the remote
station, such as the player's computer. The player may also
manually input the account information. Also in like manner to play
of a gaming machine 102, the identification information may be used
to validate the player's right to play a game, to place bets, to
track game play and the like. For example, the player
identification information may be used by the financial transaction
server 120 to verify that the player has funds for placing a wager
or bet. Such verification may be received from the game server 138
in response to input of bet or wager information from a player.
[0176] In general, the various methods of the invention described
may be applied to this remote gaming environment, with the player
having winnings credited to their account and the other activities
described herein.
[0177] A particular advantage of this arrangement as applied to
remote gaming is security. When a player uses their player account
to fund their wagering activity, the casino can be sure that the
player is entitled to place bets, since the casino has direct
access to and control over the player's account. In addition, the
player is protected, since the player is using an account
associated with the gaming entity. The player is not required to
enter credit card or bank information which may be intercepted by
others and then used for a variety of purposes.
[0178] Of course, the game server 138 or other apparatus maybe
configured to generate graphical user interface information which
is transmitted to a remote player. The player may utilize this
interface to interact with the system 100, such as be inputting
identification information when required and engaging in other
account and game play transactions.
[0179] In one embodiment of the invention, the various servers,
such as the game server 138, financial sever 120 and player
tracking server 136 are all part of the same network, such as a LAN
of a casino. In another embodiment, it will be appreciated that the
various servers or other apparatus may be associated with different
networks. For example, several casinos may utilize a system such as
described, but where only a single financial server and/or player
tracking server are provided at one location. Gaming machines may
be associated with a number of different networks at different
properties, but communication with the single financial and/or
player tracking server.
[0180] In one embodiment, a casino may offer cards which are
associated with "pre-paid" accounts in similar fashion to that
described above for use generally in purchasing goods and services.
For example, a casino may sell cards at grocery stores and other
locations. The price of the card may be discounted in relation to
the actual value of the account. For example, a player may pay $20
for a card which is associated with an account having $25 worth of
credits therein. These cards may be used by any party, and may be
transferable, making them useful as gifts.
[0181] One or more aspects of the invention comprise a method and
apparatus or system for monitoring or tracking player gaming
losses.
[0182] In accordance with the method previously described,
information regarding a player's gaming activities is associated
with a player account. This information may include, for example,
amounts withdrawn from and deposited to the account. The deposit
information may include specific information regarding the type of
deposit, such as a game award, a player deposit of funds, or a
transfer of funds from a financial institution. Likewise, the
information regarding withdrawals may include information regarding
the type or nature of the withdrawal. For example, the withdrawal
may be for an amount bet at a gaming machine or may be a player's
direct withdrawal of monies.
[0183] Using this financial data, information may be generated
regarding a player's win or loss during a period of time. For
example, player loss may be determined by subtracting amounts
withdrawn for purposes of playing a game from amounts deposited
(including amounts deposited by the player or as an award for game
play). In one embodiment, means are provided for determining or
generating player loss (or gain) information. This means may
comprise software arranged to utilize the financial information to
generate loss/gain information. The software may including
filtering capabilities for determining loss or gain during a
specific period of time, and including only certain types of
transactions.
[0184] As indicated above, in a preferred embodiment, player
tracking and financial transaction functions are implemented by a
player identifying themselves with an access media. In other
embodiments, however, a player may identify themselves by other
means, such as by entry of a code via a keyboard or the like. As
one aspect of a method of the invention, a player's financial
transactions may be monitored or tracked, including for purposes of
determining losses, even if the player does not use the access
media or other identification which is provided by the casino.
[0185] As detailed above, in one embodiment, a player may obtain
funds from an outside source, such as from a bank or other
financial institution by use of an ATM card or credit card. This
request is routed through the financial server 120. When a player
places such a request, if an account is not already created for the
player, one is created. In this arrangement, the player may be
identified by unique information associated with the ATM, credit
card or other outside banking account. For example, when a player
uses their credit card or ATM to request monies, unique information
is transmitted to the financial institution so that the financial
institution may complete the transaction. The casino or other
entity may use this information to identify the player and
establish an account or file of information with that player.
[0186] The request for funds may in this manner be tracked or
monitored independent of a casino issued media or the like. If the
same player later makes another request for funds, this request may
also be tracked. Such requests for funds may be used to indicate
loss. Thus, in the event the one or more requests for funds exceeds
a predetermined amount in a predetermined period of time, the
casino may seek to contact the player and prevent their further
play. In addition, the casino may prevent the player from seeking
additional funds via the system. As an example, a jurisdiction may
have a loss limit of $200 in a two hour period. A player may seek
$200 in funds using their credit card at the beginning of gaming
play. If the same player seeks additional funds within a two hour
period, the casino may block the attempt to obtain funds.
[0187] This aspect of the invention is advantageous in that it
allows a casino to monitor player activities, and in particular
financial activities which may relate to losses, even though a
player does not utilize the casino's player tracking system. Thus,
the system allows a casino to monitor a player's activity even if
the player plays one or more games which do not include monitoring
capabilities, where the player is not a patron of the casino's
player tracking system, or does not use their card or otherwise
specifically identify themselves.
[0188] As another aspect of the invention, the system and method of
the invention maybe applied to an environment of multiple game
providers, such as casinos in multiple locations. In one
embodiment, the invention may be used among casinos in a single
jurisdiction to monitor player play, including player losses. In
this arrangement, multiple casinos in a single jurisdiction may
cooperate to ensure the requirements, such as loss limits, for that
jurisdiction are met. In another embodiment, the invention may be
used among casinos or game providers in multiple jurisdictions,
with information shared to ensure compliance with the regulations
of all jurisdictions.
[0189] In this embodiment, a system similar to that illustrated in
FIG. 2 may be provided at each casino or other gaming entity. When
a player engages in a transaction, such as requesting funds,
placing bets or the like, the financial server at that casino is
preferably arranged to request financial information regarding the
player from other casinos. This request may comprise a query
transmitted over a communication link to the financial server of
one or more other casinos. The query is preferably for information
regarding the player which is pertinent to compliance with the
jurisdictional requirements relating to loss limits or the
like.
[0190] As one example, when a player begins play of a game at a
particular casino, such as indicated by their identification with a
player media, then the financial server of that casino may send a
query to other casinos. This query may be for loss information for
that player during a previous period of time. If the player has
already exceeded the maximum loss during the period of time at the
first or other casino, then the present casino may block the
player's play.
[0191] In one embodiment, the system maybe implemented via a
clearinghouse or more centralized system which one or more casinos
or other gaming entities utilize. In this arrangement, all player
transactions may pass through the clearinghouse, such that tracking
and monitoring is centralized.
[0192] As one example of such an embodiment, a particular
jurisdiction may have regulations regarding the financial
transactions of a player, such as maximum loss by a player at any
gaming entity in the jurisdiction. In order to ensure that this
regulation is satisfied, each gaming entity may utilize a system
such as described herein for monitoring or tracking the player's
financial activities. In one embodiment, an entity of the
jurisdiction, such as a gaming control board or an entity under the
direction of such an authority, may track player data from all
gaming entities via a centralized system. This system may include a
central financial host or server with communication links to each
gaming entity. The central financial host may be arranged to store
consolidated player account information. When a player engages in a
financial transaction at a particular gaming entity, that
transaction may be monitored at the financial server for that
particular gaming entity. In addition, the player's financial
transaction information is forwarded to the central financial host,
where it is aggregated with transaction information regarding that
player provided by other entities.
[0193] In such an embodiment, before a particular gaming entity
allows a player to engage in a transaction, the financial server
may be arranged to poll the central financial host to determine if
the player is eligible to engage in the transaction. In another
embodiment, if a player violates particular regulations or rules as
determined at the central financial host from the player's
aggregated information, then the central financial host may send
information to the gaming entities indicating the status of the
player, such as that the player is not permitted to place
additional bets for a predetermined period of time.
[0194] In an embodiment where a player's actions are tracked at a
variety of different gaming entities, a means must generally exist
for identifying a player across or between those different casinos
or other game providers. In one embodiment, this may require that
the player utilize the same identification at the different gaming
entities. For example, in one embodiment a jurisdictional gaming
control board may require that all players identify themselves with
a unique identifier which is associated with the central financial
host and each particular gaming entity. In another embodiment, a
player's account may include "alias" player identification
information by which the player may be identified. This information
may comprise, for example, the player tracking identification
assigned to the player by the different gaming entities and bank or
other identification information. In one embodiment, in order to
protect unique player identification information belonging to a
particular gaming entity from becoming known to another gaming
entity, the "alias" information may only be kept and used at the
central financial host.
[0195] A particular advantage of the invention is realized over
known player tracking systems. In known player tracking systems, a
player identifies themselves with a player tracking card. The
gaming machine sends coin in and coin out data for creating
individual game play records. A problem with this arrangement is
that a player may play different gaming machines at different
times, and it is difficult to monitor a player's cumulative
activities. In accordance with the invention, all financial
transaction information is monitored through a financial
transaction host or via similar means, and the player's financial
transactions are tracked independent of information provided from
each gaming machine. In the arrangement of the invention, the
financial information is tracked centrally from an account or
accounts belonging to the player. This information tracking or
generation can be independent of coin in/coin out data generated by
a gaming machine.
[0196] In one embodiment, the transactions of more than one player
maybe linked. For example, in one embodiment, the transactions of
members of a family may be associated with a single account. This
allows, for example, a family to monitor their transactions in
totality.
[0197] In another embodiment, the transactions of multiple players
may be linked even though separate accounts are associated with the
players. In this arrangement, the financial information or data
associated with the various players in the various accounts may be
aggregated for determining transactions, such as group loss, in
totality.
[0198] In one or more embodiments of the invention, the method of
the invention may include the step of a casino or other entity
preventing a player (or in the event of linked players, such as a
family, multiple players) from playing games or deducting monies
from their account for at least a period of time in the event it is
determine the player has incurred at least a predetermined loss in
a predetermined period of time. For example, if a player loses more
than a predetermined amount of money playing games, then the player
may be prevented from further play until a period of time expires.
This aspect of the invention may be implemented as computer code at
the financial server. In the event the loss criteria are met, the
software may prevent deductions of monies from the account. The
deductions may be limited to requests for credit at gaming
machines, or may also include player attempts to withdraw monies,
such as at a cashier cage.
[0199] One or more aspects of the invention may be implemented at
one or more outside financial institutions instead of directly at a
casino other gaming establishment. In such an arrangement, the
financial transaction information may be transmitted from the
casino to the financial institution for association with a
file/account at the financial institution.
[0200] While specific reference is made to player losses herein,
will be appreciated that the invention may be used to determine a
player's winnings or financial gain as a result of game play. As
described below, in one or more embodiments, a determination of win
may be used for a variety of criteria, including ceasing of further
play to ensure the player does not bet won amounts.
[0201] A number of other configurations of methods and apparatus
are contemplated. One or more additional aspects of player tracking
and financial accounting/monitoring maybe implemented using the
apparatus and systems described herein.
[0202] In accordance with the invention, a player has control over
their financial account. In one embodiment, so does the casino. The
casino may access the player's account for a variety of purposes,
such as limiting the total amount a player may withdraw from their
account. For example, a casino may monitor player accounts and
apply criteria to determine if a player is losing large sums or is
engaging in uncommon account activity. If the player is suffering
large losses, a casino may freeze the player's account or limit the
total amount the player may withdraw. This aspect of the invention
may be used to protect the player. The casino may also become aware
of unusual account activity and freeze the account or conduct and
investigation. Such an investigation may result in a finding that
the player's card has been stolen and is being used by another
party. In one embodiment, a player may indicate to the casino a
maximum amount which the player is willing to lose in a
predetermined period of time, allowing the casino to stop further
play if the player meets that threshold. A player may also indicate
to a casino that if a player wins a predetermined amount, the
player wishes to have the casino prevent the player's further
play.
[0203] In one embodiment, a casino may deduct taxes due from a
winning directly from the player's account. Upon a win, the casino
may determine the tax liability and transfer the withholding to a
withholding account or directly transfer it to an IRS deposit
account.
[0204] A casino may offer accounts with a variety of casino
determined criteria. For example, a casino may offer accounts which
have an expiration date. In the case of prepaid cards, the accounts
associated with the cards may become unusable after a predetermine
date or a predetermined time after purchase. In this manner, the
length of time that the casino is exposed to play of the moneys is
not unlimited. Amounts which are deposited into a player's account
may also expire. For example, if a player redeems points for
financial awards, the financial awards may have an associated
expiration date by which the funds must be bet or bet lost.
[0205] A casino may enable usage of a financial account via on-line
game play and table or other games besides electronic and
electromechanical gaming machines. For example, a blackjack table
may be fitted with card readers and keypads, and all chips bet and
won may be accounted for via the system 100, such as by reading a
bar code provided on the chips. A player may use their card to
obtain $100 in chips at a table, and winnings may be credited by
the dealer to the player's account.
[0206] Access media may be provided other than magnetic stripe
card. In addition, a casino may not require that a PIN or other
identifier be inputted in order to access the account.
[0207] A casino may permit a player to access their account
information in a wide variety of manners. As illustrated in FIG. 2,
a casino may provide kiosks 132 at which a player may access their
account and obtain account information or manage their account. A
player may also obtain account information and manage their account
at a cashier station 126 or other customer service location.
[0208] In one embodiment, a player may utilized their casino card
at an automated teller machine (ATM) in similar manner to a bank
card. The player may withdraw funds from the account in the form of
cash dispensed at the ATM.
[0209] A casino may enable a player to access their account from a
room. An interface, such as integrated with a television, may be
provided which permits a player to view account information and
manage their account.
[0210] The present invention in more general application has
numerous benefits and advantages. In one embodiment, an account of
the present invention is configured to permit minors to make
financial transactions. In accordance with the invention, a debit
account is established by or for the minor. Because of the
existence of the funds in the account, a minor may complete a
transaction without concern to the account provider/financial
institution that the minor will pay for goods.
[0211] In one or more embodiments, this arrangement permits a
customer to "buy" an account for use by another person in a fixed
amount. In this manner, the account may be used as a gift. This
arrangement has the advantage that the recipient of the account can
utilize the funds associated with the account to make a purchase or
pay for goods/services from essentially any location. The recipient
may purchase goods on-line or at a store. The recipient is not
limited to a particular store or mall.
[0212] The customer may also utilize one or more of the accounts in
similar fashion to travelers checks. Because the funds associated
with the accounts are different, a loss such as by theft of a
single access media does not affect the remaining funds. For added
security, each access media may have a different access code.
[0213] Parents and others may arrange an account for their
children. The children are not permitted to spend more money than
their parents provide, because of the arrangement of the account.
On the other hand, the parents can provide their children with a
convenient means for paying for items even though they may be
located a great distance apart. The parents may also access the
account to track purchases and other transactions by their
children. The parents may also arrange the account as an
"allowance" account, where funds are placed into their children's
account at predetermined intervals without specific action by the
parents or children at the time of each deposit.
[0214] The methods and accounts of the present invention has
several safety features. In one embodiment, an account may expire
after a predetermined time. In this arrangement, the risk that a
thief may find and be able to use a lost access card is reduced.
The account is associated with a unique account signature which is
generated from data which is difficult to obtain.
[0215] The methods and accounts permit a wide range of
transactions, including a number of very specific transactions
which are not presently facilitated. For example, a vendor may
establish promotional accounts for current and potential customers.
One advantage of a promotional account is that a large company may
establish accounts which customers can use at one or more of their
stores located in different areas. For example, a retailer having
outlet in Los Angeles and New York may issue cards associated with
accounts for use by customer at either location. This arrangement
is also advantageous for franchisees: the franchiser may sponsor a
promotion for their franchisees whereby the discount or amounts
provided to the customers are paid for by the franchiser.
[0216] A promotional account may also be a prize or award. A vendor
may award an account to one or more customer who win a contest or
drawing or the like. A vendor may also arrange the promotional
account with an expiration date requiring the customer to utilize
the account within a predetermined time.
[0217] A customer may establish a charity account for themselves,
or a charity may establish an account for a customer. For example,
a charity may seek donations from customers in the form of deposits
into a charity account established by the charity for the
customer.
[0218] In one or more embodiments, a customer or other user of a
promotional account may be prevented from any account activities
except use of the account to facilitate a purchase. The customer or
user to whom the account is issued may be prevented from obtaining
funds from the account (such as cash) or viewing data associated
with the account such as the remaining balance or the like. A
customer may also be prevented from merging the account or adding
funds to the account. On the other hand, a vendor may be permitted
to track all purchases and other uses of promotional accounts. In
this manner, the vendor can obtain important data regarding the
customer, including their spending habits, spending locations and
similar information.
[0219] A business may use the account for business to business
transactions. For example, a business may set up a master account
and a number of sub or allowance accounts. The business may use the
accounts to pay suppliers of goods and services. The master account
may comprise a main account for the business and each allowance
account an account relating to a particular vendor or project.
Commensurate with billing or an accounting period, the business may
have arranged an automatic transfer of funds from the master
account to one or more of the allowance accounts, and from one or
more of the allowance accounts to each particular supplier for
their bill.
[0220] It will be understood that the above described arrangements
of apparatus and the method therefrom are merely illustrative of
applications of the principles of this invention and many other
embodiments and modifications may be made without departing from
the spirit and scope of the invention as defined in the claims.
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