US 2014/0194195 A1Published application

Systems and methods for electronic fund transfers for use with gaming systems

AssigneeAutomated Cash Systems, LLC

InventorStephen L. Warner

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Abstract

Electronic fund transfer (EFT) systems and methods are disclosed for managing and transferring electronic funds from a patron's financial account to provide gaming or amusement credit in physical or electronic form. The systems comprise an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the patron's financial accounts via a financial network, a host system, and a funds management portal connected to the host system and to the secure payment gateway. The EFT device is configured to communicate with the patron's financial account via a secure connection to the secure payment gateway and to transmit instructions for transferring electronic funds from the patron's financial account to a credit system via the secure payment gateway and the funds management portal.

Claims27

Dependent claims

A system for stored value transactions in a gaming environment, the system comprising:

(A) a financial account associated with a patron;
(B) a player's card account issued by a casino operator and associated with the patron, said player's card account different from the financial account,
(C) a secured network associated with the financial account;
(D) a secure payment gateway communicatively connected to the secured network associated with the financial account;
(E) an electronic funds transfer terminal in exclusive secured communication with the secure payment gateway;
(F) a funds management portal in secured communication with the secure payment gateway;
(G) a secured local host network communicatively connected to the funds management portal;
and
(H) a casino management system administered by the casino operator and in secured communication with the funds management;
wherein the system is configured to:
(a) accept instructions from the patron to purchase credits via an electronic funds transfer at the electronic funds transfer terminal;
(b) communicate an electronic funds transfer request from the electronic funds transfer terminal via the secure payment gateway to the secured network associated with the financial account;
(c) receive from the secured network associated with the financial account via the secure payment gateway a transfer of electronic funds at the funds management portal;
(d) communicate an authorization from the funds management portal to the casino management system via the secured local host network to dispense credits to the patron;
and
(e) credit, by the casino management system, the patron's player's card account in the amount of the electronic funds transfer as a stored value.

13 more elements

A method for stored value transactions in a gaming environment, the method comprising:

(A) using an electronic funds transfer terminal at or proximate to a gaming or amusement device to provide instructions for transferring electronic funds from a financial account;
(B) generating a request for an electronic funds transfer by the electronic funds transfer terminal;
(C) securely communicating the request for an electronic funds transfer from the electronic funds transfer terminal to a secure payment gateway;
(D) securely communicating the request for an electronic funds transfer from the secure payment gateway to a financial server associated with the financial account via a network associated with the financial server;
(E) securely receiving an electronic funds transfer from the financial server via the network associated with the financial server at the secure payment gateway;
(F) securely communicating the electronic funds transfer from the secure payment gateway to a funds management portal;
(G) generating an authorization to dispense credits to the patron by the funds management portal;
(H) securely communicating the authorization to dispense credits to the patron from the funds management portal to a casino management system operative within the gaming environment;
and
(I) applying, by the casino management system, the credits to a player's account associated with the patron as a stored value, said account different from the patron's financial account.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/210,456Filed 14 Mar 2014
Priority: 14 Jun 2010
Published: 10 Jul 2014
Term ends: Not estimatedThe source records don’t support an estimate.

Classification9 codes

G07F 17/3244
For games, toys, sports, or amusements: payment aspects of a gaming system, e.g. payment schemes, setting payout ratio, bonus or consolation prizes
G06Q 20/027
Involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]: involving a payment switch or gateway
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]

Family

Application61/354,339Us provisional application · filed 14 Jun 2010
Application13/156,444Continuation · filed 9 Jun 2011
Application14/210,456Continuation
US 2012/0142403 A1Published application
US 8,715,066 B2Related patent
US 8,968,075 B2Related patent
US 2014/0194195 A1This patent

From the US filing history. Foreign family members aren’t listed.

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