# US 12,223,801 B2 · System and method for settling funds transfers between different gaming establishment accounts maintained by different gaming establishments > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,223,801 B2 - Document ID: US12223801B2 - Status: Granted - Kind: B2 - Application number: 17/511,180 - Filed: 2021-10-26 - Published: 2022-02-10 - Granted: 2025-02-11 - Earliest claimed: 2019-10-02 - Assignees: Igt - Applicants: Igt - Inventors: Jeffery Shepherd; Kevin Higgins - Web page: https://patentgrep.com/patent/US12223801B2 ## CPC - G07F 17/3251: {involving media of variable value, e.g. programmable cards, programmable tokens} - G06Q 20/0655: {e-cash managed centrally} - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/3672: {initialising or reloading thereof} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G07F 17/3227: {Configuring a gaming machine, e.g. downloading personal settings, selecting working parameters} - 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 system and method that facilitates the transferring of funds between different financial institution accounts based on the transferring of funds between different gaming establishment accounts associated with different gaming establishments. ## Claims ### Claim 1 A system comprising: a processor; and a memory device that stores a plurality of instructions that, when executed by the processor, cause the processor to: enable a direct transfer of a first amount of funds from a first gaming establishment account to a second, different gaming establishment account, and based on the direct transfer of the first amount of funds from the first gaming establishment account to the second, different gaming establishment account, communicate, to a computing component of a financial institution that maintains a first financial institution account associated with each of the first gaming establishment account and a first gaming establishment, data that results in an automatic transfer of a second amount of funds from the first financial institution account to a second, different financial institution account associated with each of the second, different gaming establishment account and a second gaming establishment. ### Claim 2 (depends on 1) The system of claim 1, wherein the first amount of funds is different from the second amount of funds. ### Claim 3 (depends on 1) The system of claim 1, wherein the first gaming establishment account and the first financial institution account are associated with a first user and the second, different gaming establishment account and the second, different financial institution account are associated with a second user. ### Claim 4 (depends on 3) The system of claim 3, wherein the first user is different from the second user. ### Claim 5 (depends on 1) The system of claim 1, wherein the first gaming establishment is different from the second gaming establishment. ### Claim 6 (depends on 1) The system of claim 1, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs prior to the direct transfer of the first amount of funds from the first gaming establishment account to the second, different gaming establishment account. ### Claim 7 (depends on 1) The system of claim 1, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs after the direct transfer of the first amount of funds from the first gaming establishment account to the second, different gaming establishment account. ### Claim 8 (depends on 7) The system of claim 7, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs in association with a batch transfer of funds from the first financial institution account to the second, different financial institution account. ### Claim 9 (depends on 1) The system of claim 1, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs at a scheduled point in time. ### Claim 10 A system comprising: a processor; and a memory device that stores a plurality of instructions that, when executed by the processor responsive to a fund transfer reconciliation event, cause the processor to: automatically cause a reconciliation of any net transfers of funds from a first gaming establishment account directly to a second, different gaming establishment account by communicating data that results in a transfer of funds from a first financial institution account separate from and associated with each of the first gaming establishment account and a first gaming establishment to a second, different financial institution account separate from and associated with each of the second gaming establishment account and a second gaming establishment, and automatically cause a reconciliation of any net transfers of funds from the second, different gaming establishment account directly to the first gaming establishment account by communicating data that results in a transfer of funds from the second, different financial institution account to the first financial institution account. ### Claim 11 (depends on 10) The system of claim 10, wherein the fund transfer reconciliation event occurs at a scheduled point in time. ### Claim 12 A method of operating a system, the method comprising: enable a direct transfer of a first amount of funds from a first gaming establishment account to a second, different gaming establishment account, and based on the direct transfer of the first amount of funds from the first gaming establishment account to the second, different gaming establishment account, communicating, to a computing component of a financial institution that maintains a first financial institution account associated with each of the first gaming establishment account and a first gaming establishment, data that results in an automatic transfer of a second amount of funds from the first financial institution account to a second, different financial institution account associated with each of the second, different gaming establishment account and a second gaming establishment. ### Claim 13 (depends on 12) The method of claim 12, wherein the first amount of funds is different from the second amount of funds. ### Claim 14 (depends on 12) The method of claim 12, wherein the first gaming establishment account and the first financial institution account are associated with a first user and the second, different gaming establishment account and the second, different financial institution account are associated with a second user. ### Claim 15 (depends on 14) The method of claim 14, wherein the first user is different from the second user. ### Claim 16 (depends on 12) The method of claim 12, wherein the first gaming establishment is different from the second gaming establishment. ### Claim 17 (depends on 12) The method of claim 12, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs prior to the direct transfer of the first amount of funds from the first gaming establishment account to the second, different gaming establishment account. ### Claim 18 (depends on 12) The method of claim 12, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs after the direct transfer of the first amount of funds from the first gaming establishment account to the second, different gaming establishment account. ### Claim 19 (depends on 18) The method of claim 18, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs in association with a batch transfer of funds from the first financial institution account to the second, different financial institution account. ### Claim 20 (depends on 12) The method of claim 12, wherein the automatic transfer of the second amount of funds from the first financial institution account to the second, different financial institution account occurs at a scheduled point in time.