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US 2018/0322735 A1Published application
Systems and methods for electronic fund transfers for use with gaming systems
AssigneeAutomated Cashless Systems, Inc.
InventorStephen L. Warner
Life of this patent
Estimating the term…
Abstract
Electronic fund transfer (EFT) systems and methods are disclosed for managing and transferring electronic funds from a patron's financial account for use in a gaming or amusement environment. The systems comprise a secured electronic transaction terminal and a secured first computing device in communication with a financial network. The terminal is configured to communicate with the patron's financial account via the secured first computing device and the financial network to electronically transfer funds at the patron's request.
Claims20
A method for stored value transactions in a gaming or amusement environment, the method comprising:
- (A) providing to a patron, by an operator associated with the gaming or amusement environment, a player's card account comprising a stored value component, said account managed by a player's card account host management system;
- (B) providing to the patron, by the operator, a player's card account card, said card enabling the patron to access funds associated with the stored value component in said player's card account;
- (C) providing, by the operator, a secured first computing device in secured electronic communication with the player's card account host management system and in further secured electronic communication with a secured banking network associated with a financial account of the patron, said financial account different from the player's card account and identified by a financial account card different from the player's card account card;
- (D) providing, by the operator, a secured electronic transaction terminal certified for use in electronic funds transactions and in exclusive secured communication with the secured first computing device;
- and
- (E) permitting the patron, by the operator, to electronically transfer funds from the patron's financial account to the patron's player's card account by (i) initiating a funds transfer request in a desired amount using the secured electronic transaction terminal, said request being securely communicated to the secured banking network via the secured first computing device, (ii) receiving a funds transfer authorization from the secured banking network at the secured first computing device and securely communicating said funds transfer authorization to the player's card account host management system, and (iii) crediting funds to the patron's player's card account by the player's card account host management system.
3 more elements
A method for securely transferring funds electronically to an account provided by an operator associated with a gaming or amusement environment, the method comprising:
- (A) initiating an electronic funds transfer request by a patron in a desired amount using a secured electronic transaction terminal certified for use in electronic funds transactions and in exclusive secured communication with a secured first computing device;
- (B) securely communicating the electronic funds transfer request from the secured electronic transaction terminal to a secured banking network associated with a financial account of the patron via the secured first computing device in secure communication therewith;
- (C) securely receiving an electronic funds transfer authorization originating from the secured banking network at the secured first computing device;
- and
- (D) securely communicating the electronic funds transfer authorization from the secured first computing device to a secured player's card account host management system provided by the operator and crediting funds to a player's card account designated by the patron.
2 more elements
A system for securely transferring funds electronically to an account provided by an operator associated with a gaming or amusement environment, the system comprising:
- (A) an electronic transaction terminal certified for use in initiating electronic funds transactions and comprising (i) at least one of a PIN entry keypad or at least one payment card reader, and (ii) at least one of a display or a printer;
- (B) a secured first computing device
- (i) in secured electronic communication with a network associated with a financial account of a patron,
- (ii) in further secured electronic communication with the electronic transaction terminal such that the secured first computing device only permits an authorized electronic transaction terminal to establish said secured electronic communication on an exclusive basis for the purpose of initiating electronic funds transactions, and
- (iii) in further secured electronic communication with a host management system authorized by the operator to manage the account provided by the operator and associated with a patron;
- wherein the system is configured to
- (1) generate an electronic funds transaction request initiated by the patron using at least one of the PIN entry keypad or the at least one payment card reader of the electronic transaction terminal;
- (2) securely transmit said request from the electronic transaction terminal to the secured first computing device;
- (3) securely transmit said request from the secured first computing device to the network associated with the financial account of a patron;
- (4) securely receive from the network, at the secured first computing device, an authorization to transfer funds;
- (5) securely communicate said authorization from the secured first computing device to the host management system for credit to the player's card account associated with the patron;
- and
- (6) securely communicate confirmation of said authorization from the secured first computing device to the electronic transaction terminal and provide confirmation to the patron using at least one of the display or the printer.
10 more elements
Dependencies are inferred from the claim text.