# US 11,908,277 B2 · Financial gaming passport for cashless mobile gaming > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,908,277 B2 - Document ID: US11908277B2 - Status: Granted - Kind: B2 - Application number: 17/883,587 - Filed: 2022-08-08 - Published: 2023-04-13 - Granted: 2024-02-20 - Earliest claimed: 2021-05-24 - Assignees: Automated Cashless Systems, Inc. - Applicants: Automated Cashless Systems, Inc. - Inventors: Stephen L. Warner; Michael Sackrison; Shawn G. Quick - Web page: https://patentgrep.com/patent/US11908277B2 ## CPC - G07F 17/3244: {Payment aspects of a gaming system, e.g. payment schemes, setting payout ratio, bonus or consolation prizes} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 50/34: Betting or bookmaking, e.g. Internet betting - G07F 17/3223: {Architectural aspects of a gaming system, e.g. internal configuration, leader-follower, wireless communication} - G07F 17/3225: {Data transfer within a gaming system, e.g. data sent between gaming machines and users} - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A cashless mobile gaming system and method is described. A server includes a financial gaming passport module that operates an exchange that qualifies a financial transaction. A mobile application receives an exchange request input that is communicated to the financial gaming passport. Funding sources are then queried by the financial gaming passport to determine the available funds at each of the funding sources. A hold-fund request is generated by the funding source when the exchange request is approved by the funding source. The financial gaming passport associated with the server communicates that if a casino management system (CMS) issues a value to the mobile application disposed on the patron wireless device, then the financial gaming passport associated with the server certifies a casino reimbursement. ## Claims ### Claim 1 A cashless mobile gaming system comprising, a patron wireless device; a slot cabinet that houses a gaming machine, a controller, and a slot cabinet wireless communications module that is communicatively coupled to the patron wireless device; a server communicatively coupled to the slot cabinet, the server including a financial gaming passport module that operates an exchange that qualifies a financial transaction that is performed between a casino patron and a casino operator by ensuring regulatory compliance with one or more gaming regulations; a mobile application disposed on the patron wireless device, in which the mobile application receives an exchange request input that is communicated to the financial gaming passport associated with the server via the slot cabinet wireless communications module; one or more funding sources that are queried by the financial gaming passport to determine the available funds at each of the funding sources, wherein the funding sources are associated with at least one of a bank account, a credit account, a cash amount, a TITO ticket, and a credit associated with the gaming machine; a hold-fund request generated by the funding source when the exchange request is approved by the funding source, wherein the financial gaming passport associated with the server then receives a communication from the funding source regarding the hold-fund request; the financial gaming passport associated with the server communicates to the casino operator that if the casino operator issues a value to the casino patron, then the financial gaming passport certifies a casino reimbursement; and wherein the financial transaction is performed between the casino patron and the casino operator after the financial gaming passport qualifies the financial transaction as complying with the gaming regulations. ### Claim 2 (depends on 1) The cashless mobile gaming system of claim 1 wherein the hold-fund request locks the available funds and makes them unavailable for spending for a period of time. ### Claim 3 (depends on 1) The cashless mobile gaming system of claim 1 wherein the hold-fund request locks the available funds based on a location of the patron mobile device. ### Claim 4 (depends on 1) The cashless mobile gaming system of claim 1 wherein the hold-fund request releases the hold-fund request based on a location of the patron mobile device. ### Claim 5 (depends on 1) The cashless mobile gaming system of claim 1 further comprising a patron limit instruction that is received by the mobile application disposed on the patron wireless device, wherein the patron limit instruction includes a spending limit that is applied to the one or more funding sources. ### Claim 6 (depends on 1) The cashless mobile gaming system of claim 1 wherein the financial gaming passport associated with the server includes a problem gaming limit and a gaming rule set; and the server determines that the financial transaction complies with at least one of the problem gaming limit and the gaming rule set, wherein the server processes compliant financial transactions and rejects non-compliant financial transactions. ### Claim 7 (depends on 6) The cashless mobile gaming system of claim 6 wherein the financial gaming passport associated with the server includes at least one of a tribal rule, a state gambling rule, a federal gaming rule, and a casino property rule. ### Claim 8 A cashless mobile gaming system comprising, a patron wireless device; a slot cabinet that houses a gaming machine, a controller, and a slot cabinet wireless communications module that is communicatively coupled to the patron wireless device; a server communicatively coupled to the slot cabinet, the server including a financial gaming passport module that operates an exchange that qualifies a financial transaction that is performed between the patron wireless device and a casino management system (CMS) by ensuring regulatory compliance with one or more gaming regulations; a mobile application disposed on the patron wireless device, in which the mobile application receives an exchange request input that is communicated to the financial gaming passport associated with the server via the slot cabinet wireless communications module; one or more funding sources that are queried by the financial gaming passport to determine the available funds at each of the funding sources, wherein the funding sources are associated with at least one of a bank account, a credit account, a cash amount, a TITO ticket, and a credit associated with the gaming machine; a hold-fund request generated by the funding source when the exchange request is approved by the funding source, wherein the financial gaming passport associated with the server then receives a communication from the funding source regarding the hold-fund request, and wherein the hold-fund request locks the available funds and makes them unavailable for spending for a period of time; the financial gaming passport associated with the server communicates to the CMS that if the CMS issues a value to the mobile application disposed on the patron wireless device, then the financial gaming passport certifies a casino reimbursement; and wherein the financial transaction is performed between the mobile application disposed on the patron wireless device and the CMS after the financial gaming passport qualifies the financial transaction as complying with the gaming regulations. ### Claim 9 (depends on 8) The cashless mobile gaming system of claim 8 wherein the hold-fund request locks the available funds based on a location of the patron mobile device. ### Claim 10 (depends on 8) The cashless mobile gaming system of claim 8 wherein the hold-fund request releases the hold-fund request based on a location of the patron mobile device. ### Claim 11 (depends on 8) The cashless mobile gaming system of claim 8 further comprising a patron limit instruction that is received by the mobile application disposed on the patron wireless device, wherein the patron limit instruction includes a spending limit that is applied to the one or more funding sources. ### Claim 12 (depends on 8) The cashless mobile gaming system of claim 8 wherein the financial gaming passport associated with the server includes a problem gaming limit and a gaming rule set; and the server determines that the financial transaction complies with at least one of the problem gaming limit and the gaming rule set, wherein the server processes compliant financial transactions and rejects non-compliant financial transactions. ### Claim 13 (depends on 12) The cashless mobile gaming system of claim 12 wherein the financial gaming passport associated with the server includes at least one of a tribal rule, a state gambling rule, a federal gaming rule, and a casino property rule. ### Claim 14 A cashless mobile gaming method comprising, associating a financial gaming passport module with a server; communicatively coupling a slot cabinet that houses a gaming machine, a controller, and a slot cabinet wireless communications module that is communicatively coupled to the server; receiving, by a mobile application disposed on a patron wireless device, an exchange request input that is communicated to the financial gaming passport disposed at the server via the slot cabinet wireless communications module; operating an exchange between the patron wireless device and a server having a financial gaming passport module, in which the exchange qualifies a financial transaction that is performed between the patron wireless device and a casino management system (CMS) by ensuring regulatory compliance with one or more gaming regulations; determining, by the financial gaming passport associated with the server, that a financial transaction complies with at least one of a problem gaming limit and a gaming rule set; querying, by the financial gaming passport associated with the server, one or more funding sources to determine the available funds at the funding sources, wherein the funding sources are associated with at least one of a bank account, a credit account, a cash account, a TITO ticket, and a credit in a slot machine; generating a hold-fund request, by the funding source, when the exchange request is approved by the funding source; receiving, by the financial gaming passport associated with the server, a communication from the funding source regarding the hold-fund request; communicating, by the financial gaming passport associated with the server, that if the CMS issues a value to the patron wireless device, then the financial gaming passport certifies a casino reimbursement; and performing the financial transaction between the casino wireless device and the CMS after the financial gaming passport qualifies the financial transaction as complying with the gaming regulations. ### Claim 15 (depends on 14) The cashless mobile gaming method of claim 14 wherein the hold-fund request locks the available funds based on a location of the patron mobile device. ### Claim 16 (depends on 14) The cashless mobile gaming method of claim 14 wherein the hold-fund request releases the hold-fund request based on a location of the patron mobile device. ### Claim 17 (depends on 14) The cashless mobile gaming method of claim 14 further comprising a patron limit instruction that is received by the mobile application disposed on the patron wireless device, wherein the patron limit instruction includes a spending limit that is applied to the one or more funding sources. ### Claim 18 (depends on 14) The cashless mobile gaming method of claim 14 wherein the financial gaming passport associated with the server includes a problem gaming limit and a gaming rule set; and The server determines that the financial transaction complies with at least one of the problem gaming limit and the gaming rule set, wherein the server processes compliant financial transactions and rejects non-compliant financial transactions. ### Claim 19 (depends on 18) The cashless mobile gaming method of claim 18 wherein the financial gaming passport associated with the server includes at least one of a tribal rule, a state gambling rule, a federal gaming rule, and a casino property rule.