# US 12,183,155 B1 · Systems and methods to reduce problem gaming > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,183,155 B1 - Document ID: US12183155B1 - Status: Granted - Kind: B1 - Application number: 17/947,934 - Filed: 2022-09-19 - Granted: 2024-12-31 - Earliest claimed: 2018-06-07 - Assignees: Mywagerscore.Com LLC - Applicants: Mywagerscore.com LLC - Inventors: Bo Grujicic - Web page: https://patentgrep.com/patent/US12183155B1 ## CPC - G07F 17/3244: {Payment aspects of a gaming system, e.g. payment schemes, setting payout ratio, bonus or consolation prizes} - G07F 17/3239: {Tracking of individual players} - 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}) ## Abstract An example computing device obtains financial data corresponding to a user and based on the financial data, determines an initial risk score for the user that represents an estimate of financial risk of the user. The computing device receives, from a computing system associated with a gaming platform, wagering activity data corresponding to wagers placed by the user. Based on the wagering activity data, the computing device determines an updated risk score for the user that indicates an increased estimate of financial risk. Based on determining the updated risk score, the computing device transmits (i) a first message that causes a user device to display (a) a notification that wagering activity has been suspended and (b) a request for user-input data and (ii) a second message that causes the computing system associated with the gaming platform to suspend user wagering activity via the gaming platform. ## Claims ### Claim 1 A computing device comprising: at least one processor; non-transitory computer-readable medium; and program instructions stored on the non-transitory computer-readable medium that are executable by the at least one processor such that the computing device is configured to: obtain financial data corresponding to a user; based on at least the obtained financial data corresponding to the user, determine an initial risk score for the user that represents an estimate of financial risk of the user; receive, from a computing system associated with a gaming platform, wagering activity data corresponding to wagers placed by the user via the gaming platform; based on at least the received wagering activity data, determine an updated risk score for the user that indicates an increased estimate of financial risk; and based on determining the updated risk score, transmit one or more messages that collectively (i) cause the computing system associated with the gaming platform to temporarily suspend wagering activity by the user via the gaming platform and (ii) cause a user device associated with the user to display (a) a notification that wagering activity has been temporarily suspended and (b) a request for user-input data to resume wagering activity. ### Claim 2 (depends on 1) The computing device of claim 1, wherein the computing system associated with the gaming platform is a first computing system associated with a first gaming platform, the computing device further comprising program instructions stored on the non-transitory computer-readable medium that are executable by the at least one processor such that the computing device is configured to: based on determining the updated risk score, transmit a second one or more messages to a second computing system associated with a second gaming platform, wherein the second one or more messages collectively cause the second computing system associated with the second gaming platform to temporarily suspend user wagering activity by the user via the second gaming platform. ### Claim 3 (depends on 1) The computing device of claim 1, further comprising program instructions stored on the non-transitory computer-readable medium that are executable by the at least one processor such that the computing device is configured to: receive, from the user device, the requested user-input data; and based on receiving the requested user-input data, transmit a second one or more messages to the computing system associated with the gaming platform, wherein the second one or more messages collectively cause the computing system associated with the gaming platform to unsuspend user wagering activity by the user via the gaming platform. ### Claim 4 (depends on 3) The computing device of claim 3, wherein the program instructions that are executable by the at least one processor such that the computing device is configured to determine the updated risk score for the user that indicates the increased estimate of financial risk comprise program instructions that are executable by the at least one processor such that the computing device is configured to determine a first updated risk score that exceeds a first threshold, the computing device further comprising program instructions stored on the non-transitory computer-readable medium that are executable by the at least one processor such that the computing device is configured to: after receiving, from the user device, the requested user-input data, receive, from the computing system associated with the gaming platform, additional wagering activity data corresponding to additional wagers placed by the user via the gaming platform; based on at least the received additional wagering activity data, determine a second updated risk score for the user that exceeds a second threshold; and based on determining the second updated risk score, transmit a third one or more messages that collectively (i) cause the computing system associated with the gaming platform to resuspend user wagering activity via the gaming platform and (ii) cause the user device to display a second notification that wagering activity has been suspended. ### Claim 5 (depends on 1) The computing device of claim 1, further comprising program instructions stored on the non-transitory computer-readable medium that are executable by the at least one processor such that the computing device is configured to: transmit a second one or more messages that collectively cause the user device to display an indication of the initial risk score, and wherein the first one or more messages further cause the user device to display (c) an indication of the updated risk score. ### Claim 6 (depends on 1) The computing device of claim 1, wherein the request for user-input data to resume wagering activity comprises a request for verified financial data corresponding to the user, and wherein the verified financial data comprises data related to one or more debt accounts of the user. ### Claim 7 (depends on 6) The computing device of claim 6, wherein the wagering activity data comprises one or more components, and wherein the program instructions that are executable by the at least one processor such that the computing device is configured to determine the updated risk score comprise program instructions that are executable by the at least one processor such that the computing device is configured to assign a respective weight to each of the one or more components of the wagering activity data, the computing device further comprises program instructions stored on the non-transitory computer-readable medium that are executable by the at least one processor such that the computing device is configured to: receive, from the user device, the verified financial data corresponding to the user; identify, in the verified financial data corresponding to the user, a negative financial outcome for the user; determine a predictiveness of the one or more components of the wagering activity data in relation to the identified negative financial outcome; and based on the predictiveness of the one or more components of the wagering activity data in relation to the identified negative financial outcome, update the respective weights to be assigned to each component when the risk score is updated. ### Claim 8 (depends on 1) The computing device of claim 1, wherein the request for user-input data comprises a request for an identification of one or more recipients, other than the user, for a gaming rebate assigned to the user, the computing device further comprising program instructions stored on the non-transitory computer-readable medium that are executable by the at least one processor such that the computing device is configured to: receive, from the user device, a user input indicating the one or more recipients, other than the user. ### Claim 9 (depends on 1) The computing device of claim 1, wherein the one or more messages further collectively cause the computing device associated with the gaming platform to update a gaming platform account of the user. ### Claim 10 (depends on 1) The computing device of claim 1, wherein the program instructions that are executable by the at least one processor such that the computing device is configured to transmit the one or more messages comprise program instructions that are executable by the at least one processor such that the computing device is configured to: transmit, to the computing system associated with the gaming platform, a first one or more messages that collectively cause the computing system associated with the gaming platform to temporarily suspend wagering activity by the user via the gaming platform; and transmit, to the user device associated with the user, a second one or more messages that collectively cause the user device associated with the user to display (a) the notification that wagering activity has been temporarily suspended and (b) the request for user-input data to resume wagering activity. ### Claim 11 (depends on 1) The computing device of claim 1, wherein the program instructions that are executable by the at least one processor such that the computing device is configured to transmit the one or more messages comprise program instructions that are executable by the at least one processor such that the computing device is configured to: transmit, to the computing system associated with the gaming platform, a first one or more messages that collectively cause the computing system associated with the gaming platform to (i) temporarily suspend wagering activity by the user via the gaming platform and (ii) transmit, to the user device associated with the user, a second one more messages that collectively cause the user device associated with the user to display (a) the notification that wagering activity has been temporarily suspended and (b) the request for user-input data to resume wagering activity. ### Claim 12 A non-transitory computer-readable medium, wherein the non-transitory computer-readable medium is provisioned with program instructions that, when executed by at least one processor, cause a computing device to: obtain financial data corresponding to a user; based on at least the obtained financial data corresponding to the user, determine an initial risk score for the user that represents an estimate of financial risk of the user; receive, from a computing system associated with a gaming platform, wagering activity data corresponding to wagers placed by the user via the gaming platform; based on at least the received wagering activity data, determine an updated risk score for the user that indicates an increased estimate of financial risk; and based on determining the updated risk score, transmit one or more messages that collectively (i) cause the computing system associated with the gaming platform to temporarily suspend wagering activity by the user via the gaming platform and (ii) cause a user device associated with the user to display (a) a notification that wagering activity has been temporarily suspended and (b) a request for user-input data to resume wagering activity. ### Claim 13 (depends on 12) The non-transitory computer-readable medium of claim 12, wherein the computing system associated with the gaming platform is a first computing system associated with a first gaming platform, and wherein the non-transitory computer-readable medium is also provisioned with program instructions that, when executed by at least one processor, cause the computing device to: based on determining the updated risk score, transmit a second one or more messages to a second computing system associated with a second gaming platform, wherein the second one or more messages collectively cause the second computing system associated with the second gaming platform to temporarily suspend user wagering activity by the user via the second gaming platform. ### Claim 14 (depends on 12) The non-transitory computer-readable medium of claim 12, wherein the non-transitory computer-readable medium is also provisioned with program instructions that, when executed by at least one processor, cause the computing device to: receive, from the user device, the requested user-input data; and based on receiving the requested user-input data, transmit a second one or more messages to the computing system associated with the gaming platform, wherein the second one or more messages collectively cause the computing system associated with the gaming platform to unsuspend user wagering activity by the user via the gaming platform. ### Claim 15 (depends on 12) The non-transitory computer-readable medium of claim 12, wherein the non-transitory computer-readable medium is also provisioned with program instructions that, when executed by at least one processor, cause the computing device to: transmit a second one or more messages that collectively cause the user device to display an indication of the initial risk score, and wherein the first one or more messages further cause the user device to display (c) an indication of the updated risk score. ### Claim 16 (depends on 12) The non-transitory computer-readable medium of claim 12, wherein the request for user-input data to resume wagering activity comprises a request for verified financial data corresponding to the user, and wherein the verified financial data comprises data related to one or more debt accounts of the user. ### Claim 17 (depends on 16) The non-transitory computer-readable medium of claim 16, wherein the wagering activity data comprises one or more components, wherein the program instructions that, when executed by at least one processor, cause the computing device to determine the updated risk score comprise program instructions that, when executed by at least one processor, cause the computing device to assign a respective weight to each of the one or more components of the wagering activity data, and wherein the non-transitory computer-readable medium is also provisioned with program instructions that, when executed by at least one processor, cause the computing device to: receive, from the user device, the verified financial data corresponding to the user; identify, in the verified financial data corresponding to the user, a negative financial outcome for the user; determine a predictiveness of the one or more components of the wagering activity data in relation to the identified negative financial outcome; and based on the predictiveness of the one or more components of the wagering activity data in relation to the identified negative financial outcome, update the respective weights to be assigned to each component when the risk score is updated. ### Claim 18 (depends on 12) The non-transitory computer-readable medium of claim 12, wherein the program instructions that, when executed by at least one processor, cause the computing device to transmit the one or more messages comprise program instructions that, when executed by at least one processor, cause the computing device to: transmit, to the computing system associated with the gaming platform, a first one or more messages that collectively cause the computing system associated with the gaming platform to (i) temporarily suspend wagering activity by the user via the gaming platform and (ii) transmit, to the user device associated with the user, a second one more messages that collectively cause the user device associated with the user to display (a) the notification that wagering activity has been temporarily suspended and (b) the request for user-input data to resume wagering activity. ### Claim 19 (depends on 12) The non-transitory computer-readable medium of claim 12, wherein the program instructions that, when executed by at least one processor, cause the computing device to transmit the one or more messages comprise program instructions that, when executed by at least one processor, cause the computing device to: transmit, to the computing system associated with the gaming platform, a first one or more messages that collectively cause the computing system associated with the gaming platform to temporarily suspend wagering activity by the user via the gaming platform; and transmit, to the user device associated with the user, a second one or more messages that collectively cause the user device associated with the user to display (a) the notification that wagering activity has been temporarily suspended and (b) the request for user-input data to resume wagering activity. ### Claim 20 A method carried out by a computing device, the method comprising: obtaining financial data corresponding to a user; based on at least the obtained financial data corresponding to the user, determining an initial risk score for the user that represents an estimate of financial risk of the user; receiving, from a computing system associated with a gaming platform, wagering activity data corresponding to wagers placed by the user via the gaming platform; based on at least the received wagering activity data, determining an updated risk score for the user that indicates an increased estimate of financial risk; and based on determining the updated risk score, transmitting one or more messages that collectively (i) cause the computing system associated with the gaming platform to temporarily suspend wagering activity by the user via the gaming platform and (ii) cause a user device associated with the user to display (a) a notification that wagering activity has been temporarily suspended and (b) a request for user-input data to resume wagering activity.