Account and fund management

Abstract

We provide accounts and fund management methods for managing accounts. [Solution] The method involves the token receiving a first instruction that it is associated with a game account, associating the token with a game account, receiving funds from the game account, assigning the funds to the game account, receiving a second instruction that the token is presented to a first game device, transferring at least a portion of the funds from the game account to a first temporary account located in the first game device, receiving a third instruction that the token is removed from the first game device, transferring the remaining funds in the first temporary account to the game account so that the game account includes the second funds, receiving a fourth instruction that the token is presented to a second game device, transferring at least a portion of the second funds from the game account to a second temporary account located in the second game device, and determining the use of the game account based on the locations of the first and second game devices.

Description

Technical Field

[0001] Cross - Reference to Related Applications This application claims the benefit of U.S. Provisional Application No. 61 / 942,156, filed on Feb. 20, 2014, which is incorporated herein by reference. U.S. Patent Application 12 / 759,757, filed on Apr. 14, 2014 by Howard W. Lutnick, is incorporated herein by reference.

[0002] Some embodiments relate to wagering.

Background Art

[0003] Some players may desire to play games that involve wagering. Some save money in one or more accounts.

Summary of the Invention

[0004] The following matters should be construed as exemplary embodiments and not as claims.

[0005] A. The computer device receives a first instruction that the token is associated with a game account; in response to receiving the first instruction, the computer device associates the token with the game account; the computer device receives funds from the game account; in response to receiving the funds, the computer device assigns the funds to the game account; the computer device receives a second instruction that the token is presented to the first game device; and in response to receiving the second instruction, the computer device assigns at least a portion of the funds from the game account to the first game device. The method includes the steps of: transferring funds to a first temporary account in a game device; receiving a third instruction from the computer device that the token is removed from the first game device; in response to receiving the third instruction, the computer device transferring the remaining funds in the first temporary account to the game account so that the game account includes the second funds; receiving a fourth instruction from the computer device that the token is presented to a second game device; and in response to receiving the fourth instruction, the computer device transferring at least a portion of the second funds from the game account to a second temporary account in the second game device.

[0006] A.1. The method according to claim A, wherein the token includes a card. A.2. The method according to claim A, further comprising the step of funding a bet using money from the first temporary account by the first gaming device. A.3. The method according to claim A, wherein the token includes a telephone. A.4. The method according to claim A, wherein the first gaming device is the first gaming device of a first gaming operator, and the second gaming device is the second gaming device of a second gaming operator. A.4.1. The method according to claim A, further comprising the step of monitoring betting limits across both the first gaming device and the second gaming device. A.5. The method according to claim A, wherein the first gaming device includes sports gambling, and the second gaming device includes a slot machine.

[0007] A.6. The method according to claim A, comprising the steps of authenticating a user associated with the token relating to at least two different jurisdictional requirements, the authentication step comprising at least one step of verifying age verification and address verification; and, in response to the step of receiving the second instruction, verifying that the user has been authenticated in accordance with the first jurisdictional requirements of the first gaming device and notifying the first gaming device that the user has been authenticated in accordance with the first jurisdictional requirements. A.6.1. The method according to claim A.6, comprising the steps of verifying that the user of the first gaming device has been authenticated in accordance with the second jurisdictional requirements of the first gaming device in response to the step of receiving the fourth instruction and notifying the second gaming device that the user has been authenticated in accordance with the second jurisdictional requirements. A.6.1.1. The method according to claim A.6.1, wherein the first jurisdictional requirements and the second jurisdictional requirements are different. A.6.2. The method according to claim A.6, wherein the step of notifying the first gaming device comprises providing information to be used to satisfy the first jurisdictional requirements of the first gaming device. A.7. The method according to claim A, wherein the computer device includes a server of an account service provider.

[0008] B. One or more computer devices, and when executed by the computer devices, cause at least one or more computer devices to receive a first instruction that the token is associated with a game account, and in response to receiving the first instruction, associate the token with the game account, receive funds from the game account, and in response to receiving the funds, attribute the funds to the game account, and cause the token to receive a second instruction presented to the first game device, and in response to receiving the second instruction The device further includes a non-temporary intermediary that stores a number of instructions, which include: transferring at least a portion of the funds from the game account to a first temporary account in the first game device; causing the token to receive a third instruction to remove it from the first game device; in response to receiving the third instruction, transferring the remaining funds in the first temporary account to the game account so that the game account includes the second funds; causing the token to receive a fourth instruction presented to the second game device; and in response to receiving the fourth instruction, causing the computer device to transfer at least a portion of the second funds from the game account to a second temporary account in the second game device. [Brief explanation of the drawing]

[0009] [Figure 1] This shows an exemplary structure that may be used in several embodiments. [Figure 2] The following are exemplary processes that may be performed in several embodiments. [Figure 3] The following are exemplary processes that may be performed in several embodiments. [Figure 4] Examples of game operators and account service providers that may be used in several embodiments are shown. [Modes for carrying out the invention]

[0010] Some embodiments may include multiple accounts, each associated with a plurality of casinos or other venues. In some embodiments, each account enables betting, particularly in connection with games and / or events at casinos, sports betting, etc. In some embodiments, for example, a user may have separate financial accounts for casino betting, each associated with a plurality of game operators (e.g., casinos, sports betting, mobile game providers, internet betting sites), and separate financial accounts for sports betting, each associated with one or more game operators (e.g., casinos, sports betting, mobile game providers, internet betting sites).

[0011] Some embodiments may include preventing funds in a single betting account from being used in a casino or in a location unrelated to that betting account. Some embodiments may also include preventing funds in a single betting account from being used to wager and / or to perform activities not authorized for the account (e.g., buying, betting on casino games, or playing sports betting).

[0012] Some embodiments may include features that allow funds to be transferred from one betting account to another. Such funds may be transferred between accounts associated with the same game operator and / or between accounts associated with different game operators.

[0013] In some embodiments, a transfer may involve the adjustment of electronic records that specify the amounts in the accounts. For example, a single game operator may decrease one account and increase another account by the same amount (e.g., internal assets transfer between casino betting and sports betting accounts). In some embodiments, multiple parties may be involved in the transfer. For example, a first game operator may decrease an account, and a second game operator may increase an account by the same amount. In some embodiments, an intermediary (e.g., a mobile game operator or account operator) may offer to describe the service on behalf of one or more entities (e.g., one that may maintain and adjust accounts for multiple entities).

[0014] In some embodiments, such a feature of account transfer may allow the user to authorize the transfer of funds from one account. Some amounts that are authorized (or not authorized) may be moved to another account. Thus, even if the money is not used from the account used to place the same bet and / or perform the same activity, such money may be used from other accounts to place bets and / or perform the activity.

[0015] In some embodiments, a first account may be opened in association with a first gaming provider. For example, the first account may be associated with a first casino (e.g., M Resort) or a first gaming service provider (e.g., a mobile gaming provider such as Kantagame). Such an account may be opened by the first gaming provider, a user, and / or a financial institution (e.g., by contracting for an account and / or depositing money into the account). A user may deposit money into such an account and / or withdraw money from such an account. Such an account may be used to place bets on one or more games with the money deposited in the account. Such an account may be used to place bets with the casino or the first gaming provider and / or through other first gaming providers (e.g., by using an app provided by the first gaming provider when the first gaming provider accepts bets). In some embodiments, such an account may be associated with one or more activities (e.g., sports betting and / or casino betting). In some embodiments, a number of accounts associated with various activities may be opened with respect to a first gaming provider (e.g., one sports betting service or one casino betting service).

[0016] In some embodiments, a second account associated with a second gaming provider may be opened. For example, the second account may be associated with a second casino (e.g., Hard Rock Casino) or a second gaming provider (e.g., a mobile gaming provider such as Venetian Pocket Casino Service). Such an account may be opened by the second gaming provider, a user, and / or a financial institution (e.g., by contracting for an account and / or depositing money into the account). A user may deposit money into such an account and / or withdraw money from such an account. Such an account may be used to place bets on one or more games with the money deposited in the account. Such an account may be used to place bets with the second gaming provider and / or otherwise through the second gaming provider (e.g., by using an app provided by the second gaming provider when the second gaming provider accepts a bet). In some embodiments, such an account may be associated with one or more activities (e.g., casino betting and / or sports betting). In some embodiments, a number of accounts associated with various activities may be opened with respect to a second gaming provider (e.g., one sports betting service or one casino betting service).

[0017] In some embodiments, a third account may be opened in connection with a first activity. For example, the third account may be associated with betting on casino games (e.g., slots, blackjack, poker). Such an account may be opened by a game provider, a user, and / or a financial institution (e.g., by contracting for an account and / or depositing money into the account). A user may deposit money into such an account and / or withdraw money from such an account. Such an account may be used to bet on one or more casino games with the money deposited in the account. Such an account may be limited to a first activity and / or excluded from being used for some second activities (e.g., sports and / or racing betting). In some embodiments, such an account may be associated with one or more game providers.

[0018] In some embodiments, a fourth account may be opened in connection with a second activity (e.g., a second activity from which a third account may be excluded). Such an account may be opened by a game provider, a user, and / or a financial institution (e.g., by contracting for an account and / or depositing money into the account). A user may deposit money into such an account and / or withdraw money from such an account. Such an account may be used to place bets on one or more sports, races, and / or other events with the money deposited in the account. Such an account may be limited to a second activity and / or excluded from being used for some first activities (e.g., betting on casino games). In some embodiments, such an account may be associated with one or more game providers (e.g., the same and / or different game providers).

[0019] In some embodiments, opening an account may include receiving information from a user by a game operator, receiving money from the user, verifying information about the user, depositing money into the account, and storing information in a database. For example, in some embodiments, the user provides information to the game provider (e.g., name, age, address, social security number, driver's license number, etc.) in order to open an account. The game provider may store such information in a database. The game provider may verify one or more pieces of information (e.g., by requesting a photo ID to verify age). Information defining such verification may be stored in a database (e.g., a copy of the ID). Login information may be defined for the account. In some embodiments, such information may be defined directly to the game operator, via the internet, via fax, by telephone, or otherwise as requested. In some embodiments, money may be deposited into the account. For example, physical cash may be handed over to the game operator, and accordingly, registration in the database may be adjusted to indicate that the money is in the account. In some embodiments, account transfers may be performed via wire transfer, and registration in a database may be performed to identify such transfers.

[0020] In some embodiments, a single intermediary may maintain information relating to numerous accounts across multiple gaming operators (for example, a mobile gaming provider may operate multiple casinos and maintain accounts for each casino). In some embodiments, such an intermediary may maintain a customer database where account information for such multiple accounts can be stored. In some embodiments, such a database may include account integrity. For example, if a player changes their name or address associated with one account, that change may be communicated through the customer database so that it affects all accounts. In some embodiments, the change does not affect other accounts. In some embodiments, the player may be given an option through the user interface to have the change communicated to other accounts (for example, to choose which accounts are affected).

[0021] In some embodiments, when a player opens a new account, the new account may be linked in the customer database to other accounts opened by the player. For example, if a player has already registered an account (for instance, the player may request login information from past account openings, social security number, driver's license number, or other unique identifiers that can be searched), the database may be searched for identifiers entered by the player immediately after opening the account being sought. If a match for a player opening a new account is found in the database, the new account may be linked to all past account registrations and accounts previously associated with the customer. Such linkages can mitigate processes such as maintaining organized customer profiles, explaining things to customers, transferring money between customer accounts, and monitoring fraud (for example, monitoring simultaneous use of multiple accounts or responding to actions that prohibit fraud).

[0022] Some embodiments may relate to betting in casinos and / or within legal gaming jurisdictions. Such bets may be made using money in one or more opened accounts. A database may be updated in response to money bet, money lost, money won, money transferred, etc. In some embodiments, gaming jurisdictions and / or providers may require and / or desire to maintain some money separate from other money. Handling such money may improve accountability, tracking, creditworthiness assurance, activity monitoring, age verification, identity verification, etc. For example, in some embodiments, each gaming provider (e.g., betting, gambling establishment, casino, recipient of a mobile game provider) may require its own account for betting through the provider (e.g., an account set up for betting with each provider). In another example, racing and / or sports accounts may be required to be separate from casino gaming accounts. For example, if a user wants to open accounts based on betting on both sports / racing and casino games through the game provider, a game provider offering both sports / racing and casino games may require the user to open both a sports / racing account and a casino account. In some embodiments, separate accounts may be required for shopping and / or other spending. For example, a betting account may be prevented from being used to spend money on purchasing goods. In some embodiments, a single account may be used for two or more activities through two or more game providers and / or two or more locations.

[0023] It should be recognized that some combinations of places, game providers, intermediaries, activities, and / or other characteristics that may be associated with wagering and / or non-wagering accounts can be used in various embodiments as desired. The various exemplary embodiments are given as non-limiting examples that can be combined together in any way as desired. For example, some embodiments can include three separate accounts each associated with three activities at each of four different places. In some embodiments, as examples of some account types and / or associations, a first account can be associated with wagering on sports at Casino A, a second account can be associated with playing casino games at Casino B, a third account can be associated with shopping at Store C, and a fourth account can be associated with investing at Financial Institution D.

[0024] Some embodiments can include assisting in the transfer of money from one account (e.g., the first account, the third account) to another account (e.g., the second account, the fourth account). Such money can include money deposited in the account, money transferred to the account, money obtained through wagering activities, etc. In some embodiments, the accounts to which money can be transferred can include accounts associated with a game provider (e.g., the casino where the user is) that the user subscribes to at a certain timing for the transfer, and / or the account from which money is withdrawn can include a game provider (e.g., a casino where the user is not) that the user does not subscribe to at a certain timing for the transfer.

[0025] In some embodiments, assisting in the transfer can include withdrawing money from one account and depositing money into another account. Some embodiments can include charging fees for such services (e.g., each transaction, signature fees, etc.). In some embodiments, such transfers can be assisted by changing one or more databases. In some embodiments, explaining, auditing, and / or reporting can be done for one or more transfers as required by the regulatory authorities.

[0026] In some embodiments, assisting may include pre-authorizing a transfer, requesting a pre-authorized transfer, transferring a pre-authorized amount, permitting the user to pre-authorize a transfer from an account, etc. In some embodiments, assisting may include automatically performing a transfer in response to a bet recognized from one account, performing a transfer from one account to another account, transferring money for executing a bet, etc.

[0027] Exemplification of Prior Authorization Some embodiments include a prior authorization of a money transfer. It should be recognized that descriptions of embodiments that may include a prior authorization may apply to embodiments that do not include such a prior authorization. The prior authorization may enable the user to open an account and / or the amount of money in an account that can be transferred to another account (e.g., a specific other account, a series of other accounts using the system, any account).

[0028] Some embodiments may include providing to the user via an interface, via which the user may pre-authorize a money transfer. Such an interface may be provided via a computer device (e.g., a mobile device, a fixed device). Such an interface may permit the user to open an account as a prior authorization for a transfer. Such an interface may also permit the user to input an amount up to the current amount in the account, an amount less than and / or more than the amount in the account, etc. Such an interface may include an indication of the amount and / or account for which such a prior authorization will be made.

[0029] In some embodiments, such a prior authorization may be general (e.g., for all accounts, for all accounts maintained by an intermediary). In some embodiments, such a prior authorization may be selective (e.g., for a specific account). In some embodiments, the user interface may permit identifying the location where the money pre-authorized by the user can be transferred (e.g., selecting an account, selecting a series of accounts, etc.).

[0030] In some embodiments, such prior permission may be for a limited time (e.g., 1 minute, 5 seconds, 12 hours, 1 year, 10 years, 30 minutes, etc.). In some embodiments, such prior permission may not have associated time limitations. In some embodiments, the user interface may allow the user to select a time limit.

[0031] Some embodiments may include determining account information relating to an account, and / or an account to which the user pre-authorizes transfers. In some embodiments, when the user requests and / or uses such an interface and completes the pre-authorization, such an account may include an account associated with a gaming provider to which the user subscribes (e.g., a casino to which the user is). For example, the location of the device may be determined, the location may be determined to be associated with a casino, and in response to such determination, money from the account may be permitted to be pre-authorized. In some embodiments, the application being accessed, the network being accessed, the device being logged into, the account being logged into, etc., may be used to determine which of any accounts pre-authorizations may be made (e.g., if a casino network and / or device is logged into, a casino account may be used).

[0032] In some embodiments, prior authorization from an account may be permitted if the user is in a location authorized by prior authorization (e.g., at a casino associated with the account). In some embodiments, prior authorization may not be limited to a specific location. Features may be made available and / or prohibited in response to a location determination. In some embodiments, various pieces of information may be used as a substitute for location. For example, methods of accessing an account, geographical fence, GPS coordinates, triangulation, most recent known location, IP address, etc., may be used to determine location. In some embodiments, if the user does not have access to an authorized network, the user may be prevented from accessing features (e.g., the user cannot use M-Resort features if they do not have access to the M-Resort network or if they have access to the Rockhard network).

[0033] Some embodiments may include preventing a user from pre-authorizing transfers from accounts associated with game providers (e.g., when requesting prior authorization, when requesting an interface) to which the user is not subscribed, for example, in a casino without a user. Such preventative measures may include denying interface requests, ignoring prior authorization, or denying requests for prior authorization.

[0034] Some embodiments may allow pre-authorization of accounts into which a user logs. Some embodiments may include a single sign-on that can be used to pre-authorize from a number of accounts. For example, a single sign-on may be used to pre-authorize from a number of accounts rather than individual logins to accounts. All accounts maintained by the intermediary may have a single sign-in associated with it. In some embodiments, that single sign-in may be fully functional (e.g., a user may be able to sign in and bet, transfer, and withdraw from accounts previously signed in with the single sign-in). In some embodiments, that single sign-in may be limited in functionality (e.g., a user may only be allowed transfer, pre-authorization, and maintenance functions, but not the ability to purchase and / or bet from an account when signed in using the single sign-in). To use such other functions, a user may be required to sign in to a particular account using account and / or game provider level sign-ins. Functionality may be permitted and / or prohibited in response to a decision on the type of sign-in the user has made to access account information.

[0035] Some embodiments may include receiving instructions for a pre-licensing. Such instructions may specify the amount to be pre-licensed for transfer from an account. Such instructions may include any characteristics of the pre-licensing (e.g., attributes, time, amount). In some embodiments, the pre-licensing may be related to the entire current and / or future account value, rather than a specific or default amount. Such instructions may specify an account. Such instructions may specify the term of validity of such licensing. Such instructions may be received from a user, from a computer device in response to a user entering a request via an interface, and / or from any device and / or person as is desirable in various other embodiments. Such instructions may specify a pre-licensed entity in order to make such a transfer (e.g., a transfer agent) and / or to make one or more accounts that can be pre-licensed for such money to be transferred (e.g., licensing for some accounts, but not for all accounts, specific accounts, etc.). In some embodiments, such information may be set as a default value (for example, all pre-authorizations for a particular account may be authorized for the same agent and / or one or more accounts).

[0036] Some embodiments may record prior authorizations. Such records may occur in response to receiving instructions for prior authorization. For example, some embodiments may include recording in a prior-authorized database that a specific amount will be transferred from a specific account. Some embodiments may not include an amount, but rather record that any balance (e.g., all circulating currency, all future money, default values, maximum values, etc.) is permitted to be transferred from the account with prior authorization. Such records may be used by casinos and / or account providers to determine whether to permit future transfers from the account.

[0037] Some embodiments may include monitoring the use of the account amount (e.g., the account's dollar balance). For example, in some embodiments, the pre-authorized amount may be adjusted based on the amount remaining in the account. Account activity may be monitored so that the pre-authorized account can be determined. For example, if the account is fully authorized to transfer all the money from it, a change in the account's value from $50 to $100 will increase the pre-authorized account. As another example, if the account is authorized to transfer $100 from it, or if the account's value falls from $200 to $50, then only $50 may be authorized thereafter. If the account's value rises to $100 or more in the future, then in some embodiments, $100 may be authorized again thereafter. In other embodiments, only $50 may be authorized after such an increase.

[0038] Some embodiments may include providing an interface that allows a user to transfer money from one account to another and provides information about the money that can be transferred. For example, a user may operate a mobile device by selecting a transfer control, and accordingly, an interface that allows money transfers may be provided. In some embodiments, such an interface may allow transfers to and / or from a number of accounts associated with a number of game operators (e.g., account sign-ins). In some embodiments, such accounts may allow transfers to and / or from a limited number of accounts (e.g., to one account, to an account associated with a particular game operator, from one account, from an account associated with a particular game operator, etc.). In some embodiments, the destination or source account may be determined as desired based on selected software (e.g., an app associated with the account), the login used (e.g., a login associated with the account), and the location (a location associated with the account).

[0039] Such an interface may include an interface for a computer device (e.g., a smartphone, a slot machine at a second casino different from the game provider associated with the account application form to which the money will be transferred). Such an interface may identify the amount of money permitted from one or more accounts, the identification documents for one or more accounts, etc. In some embodiments, the total amount of available pre-authorized money may be shown to the user with and / or without using additional information that identifies the accounts to which such money can be used. In some embodiments, such a total may be determined from recorded and / or monitored accounts and / or pre-authorized information. Such an interface may include the ability of the user to input the amount to be transferred to an account (e.g., an account associated with the game provider to which the user is currently associated). In some embodiments, the interface may identify accounts of individual sources to which money can be transferred (e.g., any account, a set of accounts, selected accounts, a specific account, a login, a location-based account, etc.). Each of such source accounts may be associated with an amount that can be transferred externally (e.g., a pre-authorized amount, the full amount). For example, the interface may list each of the five accounts to which the money will be transferred, and the pre-authorized amounts from each account. The user may choose one or more of these accounts to transfer money from and to.

[0040] Some embodiments may include receiving instructions (e.g., instructions for controlling a transfer interface) to transfer money to an account. Such instructions may identify the account to which such money should be transferred. Such instructions may be received in response to a user entering a request through an interface. The destination account may be assumed based on the user's transmission time and / or the game provider associated with the request for such instructions. In some embodiments, such instructions may specify an amount. In some embodiments, the amount may be assumed and / or determined based on a default, maximum, required, available, pre-authorized, etc. amount. In some embodiments, such instructions may identify the source of such transfer. For example, one or more identified accounts are presented in an interface that identifies a pre-authorized amount. In some embodiments, such instructions may not identify a source (e.g., they may identify that money should be transferred to an account without specifying where it is coming from). In some embodiments, such instructions may identify accounts to which money should not be transferred (e.g., a request to leave all or some money in a specific account rather than transfer the money).

[0041] Some embodiments may include determining the source of funds and / or information relating to the source of funds. The source may be determined based on user selection, based on pre-authorized accounts, based on location, etc. For example, some embodiments may include determining whether the source of funds has sufficient pre-authorized funds and / or can execute a transfer request. Some embodiments may include determining a set of accounts that have sufficient pre-authorized funds for a transfer in order to execute a transfer request (e.g., a set of five combined accounts having sufficient pre-authorized funds to execute the transfer request). Such information may be determined from records and / or monitoring information relating to accounts and / or authorizations.

[0042] Some embodiments may include assisting with the transfer of money from one or more accounts to another. Such assistance may be performed in response to receiving instructions requesting a transfer. Such assistance may include performing the transfer, requesting funds, moving funds, accepting funds, withdrawing funds, depositing funds, controlling funds, managing funds being transferred, coordinating database entries, etc. For example, some embodiments may include controlling money from one account and depositing that money into another account. As another example, some embodiments may include managing each of five accounts in order to transfer each amount from each account to another. In some embodiments, audit records may be maintained for all account transfers (for example, a database of transfers may be maintained so that account activity is reported in the future).

[0043] In some embodiments, money may be transferred to an account subject to certain rules. For example, in some embodiments, the transfer may be prevented if one or more rules are not met. For example, a user may be required to be able to wager money from an account in order to transfer money to the account. In another example, a user may be required to be at a casino associated with the account in order to transfer money to the account. In yet another example, a user may be required to have access to a network or to log in to the account in order to transfer money to the account.

[0044] In some exemplary embodiments, a user may be required to be located at a location associated with the first account and to log in using a login in order to pre-authorize a transfer from the first account. In some embodiments, a user may be required to be located at a location associated with the second account and to log in using a login associated with the second account to transfer money from the first account to the second account in order to pre-authorize a transfer from the second account. Other embodiments may include fewer conditions, no such conditions, a single sign-in, other conditions, network restrictions, etc.

[0045] After a transfer, the transferred money may be used in the receiving account but not in the accounts of one or more sources. Some embodiments may include a period during which the money is not used in the source or receiving accounts (for certain actions, bets, or withdrawals). For example, such a period may allow for verification that the transfer happened to be successful by chance, such as allowing for possible delays in the process described, and such a period may prevent the user from withdrawing the transferred money from the source and destination in the event of an error. Such a period may be longer than the processing period and / or transmission time. Such a period may include human time in addition to the processing period and / or transmission time.

[0046] Some embodiments may not include pre-authorization of accounts and / or amounts. In some embodiments, accounts may be pre-authorized for the current amounts within them by default. Money in an account may remain in the account after being pre-authorized or used as desired in accordance with the account's rules.

[0047] The following are some illustrative tables that may show several transfer transactions for Cosmo, M Resort Race, and Sports accounts using a Cantor Wallet service account as an intermediary. [Table 1] [Table 2] [Table 3]

[0048] Here are some illustrative tables that may show several transfer transactions for Cosmo, M Resort Race, and Sports accounts, as well as Cosmo Casino betting accounts, using a Cantor Wallet service account as an intermediary. [Table 4] In some embodiments, if a customer wishes to use a Cosmo Race and Sports account, the customer could transfer money directly from their M account to it by obtaining prior authorization or transfer as described above. In some embodiments, the customer could transfer money to an intermediary company without prior authorization. Thus, the customer could transfer money to and from a Cosmo account without obtaining prior authorization for such transfers. In some embodiments, prior authorization for an intermediary company account may be required, as may transfer money to an intermediary company as described above.

[0049] It should be recognized that the various exemplary embodiments using the various other elements of the embodiments described herein, including but not limited to the prior licenses, the various forms of prior licenses, the various restrictions / rules / features of prior licenses, and / or the various other elements of the embodiments described herein, may be used in any combination, modification, or may not be used at all as desired in any of the various embodiments.

[0050] Examples of passage Some embodiments may allow money to be transferred during transit without a separate request for such a transfer. For example, a request to place a bet from an account when the account does not have enough money to place a bet may act as a request to make a transfer to the account to cover the bet amount. It should be recognized that the description of embodiments that allow such transfers of currency may apply to embodiments that do not allow such transfers of currency.

[0051] Some embodiments may include receiving requests to use funds from an account. For example, such requests may include requests to place bets using the funds. Such requests may be received by the device in response to user activity (e.g., a user placing casino or sports bets).

[0052] Some embodiments may include determining that an amount is unavailable in the account. Such a determination may be made by comparing the required amount with the amount available in the account (for example, by comparing it with an indication of an amount registered in a database regarding the contents of the account). Some embodiments may include determining an excess amount (i.e., an amount that is requested to be unavailable in the account).

[0053] Some embodiments may include assisting in the transfer of money from one account to another in response to a decision that such an amount is not available in an account. Some embodiments may include transferring an excess amount from one or more accounts to another. In some embodiments, one or more accounts, among which the available amounts have been pre-authorized, may be used as source accounts for such transfers. In some embodiments, proportional amounts may be transferred. In some embodiments, a preferred account may be transferred from the first. In some embodiments, the account with the largest pre-authorized amount may be transferred from the first. It should be recognized that any method for determining the allocation of source accounts may be used.

[0054] In some embodiments, the transfer amount may be used to execute a betting request. In some embodiments, the user may be notified of such a transaction, approval may be requested by the user, and / or such a transaction may occur in a manner that is easily understood by the user. In some embodiments, a request is made to use funds, but if there are insufficient funds available, in addition to an automatic fund transfer, and / or as an alternative to such a transfer, the user may be given the option to request such a transfer to be made. For example, instructions that pre-authorized money can be used for transfers from other accounts may be shown to the user via the interface in response to a request to use an excessive amount of money in an account. In some embodiments, instructions for pre-authorized money may be made based on the amount in the account, the time the pre-authorization has been left unattended, the start of a preferred account, alphabetical instructions, or user-defined instructions.

[0055] Examples of transfers Figure 1 shows exemplary apparatus that may be used in several embodiments. It should be recognized that any combination of apparatus may be used in various embodiments, and the examples in Figure 1 are given as unrestricted examples. One or more apparatus may be used in any combination to perform or assist in performing the functions and / or methods described in this specification.

[0056] As shown in Figure 1, some embodiments may include entities involved in the first account 101. Such entities may include servers, programs, computer devices, casinos, etc. Such entities involved in the first account may open accounts, receive money deposited into accounts, accept bets on accounts, adjust account balances, etc. In some embodiments, entities involved in the first account may receive instructions for pre-authorized amounts, monitor pre-authorized amounts in accounts, etc. In some embodiments, instructions for pre-authorized amounts may be received by such entities. Such instructions may be received from users, from mobile devices, computer devices, etc. 103. In some embodiments, entity 101 may include casinos, mobile game providers, game operators, etc. In some embodiments, such entities may use intermediaries for various functions (e.g., entity 105). Such intermediaries may maintain accounts, provide game servers to the customer of entity 101, assist with transfers, etc.

[0057] As shown in Figure 1, some embodiments may include a fund transfer agent (e.g., a wallet entity) 105. The fund transfer agent may assist in transferring funds from one account to another. The fund transfer agent may monitor and / or maintain information regarding pre-authorized amounts, available amounts, etc., in one or more accounts. In some embodiments, the fund transfer agent may become a pre-authorized entity to modify a first account on behalf of the user at some point, by pre-authorized instructions. The fund transfer agent may maintain the presence of one or more game providers and / or maintain suitability for accessing the account to one or more other game providers. In some embodiments, the fund transfer agent may be involved with all or some accounts (e.g., on behalf of a game operator, or as a game operator, etc.).

[0058] As shown in Figure 1, some embodiments may include entities involved in the second account 107. Such entities may include servers, programs, computer devices, casinos, etc. Such entities involved in the second account may open accounts, receive deposits into accounts, accept bets on accounts, adjust account balances, etc. Such entities may receive requests to transfer funds to the second account. Such entities may forward such requests to fund transfer entities and / or entities involved in the first account. In other embodiments, such entities may not receive any such requests at all. Such requests may be received from users, portable devices, computer devices, etc. 103. In some embodiments, entity 107 may include a portion of entity 105. For example, entity 107 may act as an intermediary managing accounts of casinos, game operators, etc.

[0059] In some embodiments, a fund transfer agent may receive instructions for a request to transfer an amount to a second account. Such requests may be received from a user, a portable device, a computer device, etc. Such requests may be received from an entity involved with the second account. Other embodiments may include receiving such requests from a fund transfer entity.

[0060] Some embodiments may include assisting in the transfer of money from a first account to a second account. For example, a fund transfer agent may request funds from an entity involved in the first account, receive funds from the entity, and provide funds to an entity involved in the second account. As another example, a fund transfer agent may request an entity involved in the first account to transfer funds to the entity involved in the second account. An entity involved in the first account may make such a transfer. The entity involved in the first account, the fund transfer agent, and / or any other transfer may, before making such a transfer, determine whether the fund transfer agent is authorized to make and / or request such a transfer on behalf of the user, whether the fund transfer agent satisfies one or more of the entity's rules, whether sufficient funds are permitted and / or available, etc.

[0061] Entities involved with the second account may receive and deposit funds into the second account. Users may be notified that such transfers are completed by the second account, the fund transfer agent, and / or any entities involved with the second account.

[0062] In some embodiments, the fund transfer agent may not hold the funds. The fund transfer agent may be involved in managing fund transfers between customer accounts. The fund transfer agent may, if requested, maintain audit records of completed prior authorization requests.

[0063] In some embodiments, the entities involved in the first account and the entities involved in the second account may be the same entity (e.g., the same casino maintaining two accounts, or a single program maintaining separate accounts). In some embodiments, entities 101, 105, and 107 may be the same entity. For example, a single intermediary may manage, set up, transfer money, etc., for accounts associated with multiple gaming operators. Such an intermediary may offer racing, sports, and / or casino gaming features to the gaming operators' guests. In such embodiments, elements 101 and 107 may be considered functional elements of the system (e.g., modules, database tables, etc.). In some embodiments, element 105 may be considered a module that allows interaction between other modules.

[0064] Communication between and / or between elements of the embodiment may occur via a transmission network, the internet, a bus, an application programming interface, a wireless network, a local area network, etc.

[0065] In some embodiments, entities may provide gaming services (e.g., accepting bets, determining outcomes, providing instructions, adjusting accounts, offering games, canceling bets, making bets, playing games, etc.). For example, entity 101 offers customers casino games and / or race and sports betting. In some embodiments, entity 105 may give each of customers 101 and 107 cash or goods. The cash or goods may vary based on the account being used. The account may be used to place bets with such cash or goods.

[0066] It should be recognized that the exemplary embodiment shown in Figure 1 is given only as an example and is not limiting, and that other embodiments may include any entity or any entity that performs any desired function in any way.

[0067] Exemplary processing Figure 2 shows exemplary processing that may be performed in several embodiments. Such processing may be performed by one or more computer devices, such as a server, gateway, or portable device. Such a method may be embodied in one or more instructions stored in one or more non-transient media. In some embodiments, non-transient media further storing multiple instructions may cause the device to perform processing when the instructions are executed.

[0068] Some embodiments may include opening a first account in which a player can place first bets associated with a first gaming operator. In some embodiments, bets associated with a first gaming operator include at least one bet for which the first gaming operator is at stake (e.g., a bet made in the gaming operator's branded application for a mobile device, where the mobile gaming provider agrees to share some commission with the gaming operator), bets made by the first gaming operator (e.g., a bet between the player and the gaming operator), and bets permitted by the first gaming operator for the attributes of the first gaming operator (e.g., bets that the first gaming operator offers or permits themselves, or offers or permits through some intermediary to, for example, mobile gaming operators and / or sports gambling operators).

[0069] Some embodiments may include receiving deposits into a first account and adjusting the balance of a first account that includes deposits. For example, a database may be adjusted to reflect a balance updated based on deposits. Deposits may include, for example, cash deposits from an automated ticket machine, a person, etc. Deposits may include, for example, electronic deposits from accounts and / or other accounts.

[0070] Some embodiments may include opening a second account in which a player can place second bets associated with a second gaming operator. In some embodiments, the first gaming operator includes a first casino, and the second gaming operator includes a second casino. Placing a bet may involve exposing money to risk for potential rewards in games of chance and / or skill. Some embodiments may include casino games, card games, tournaments, slots, sports betting, and / or any other type of gambling. The gaming operator and / or intermediary (e.g., a mobile game provider that the casino processes to provide mobile games, sports gambling, account transfer services, account maintenance services, and / or other services) may receive information identifying bets, game activities, etc. Results may be determined and sent back to the player. Balances may be adjusted in response to such results and / or such bets.

[0071] Some embodiments may include presenting information to a player to identify the balance of a first account. For example, a user interface may show the account amount to the user of a mobile device. Such information may be transmitted from a server to the mobile device via a transmission network.

[0072] Some embodiments may include receiving instructions from the player that at least a portion of the residual value should be available for transfer to a second account. For example, the player may submit such a request via the user interface of a mobile device, an automated ticket machine, etc. Such a request may specify time, amount, game operator, and / or any desired characteristics. Such a request may be limited to being accessed via a specific login and / or at a specific location.

[0073] Some embodiments may include storing information that identifies at least a portion of a transfer has been pre-authorized in response to instructions that at least a portion should be available. In some embodiments, at least a portion is pre-authorized for a limited period to identify the recipient account, etc. Such information may be stored in a database to identify amounts that have been pre-authorized using desired characteristics or that are available for future transfers.

[0074] In some embodiments, the user interface may be presented to the player by allowing the player to request a transfer of money between a first account and a second account. Such requests may be limited to access via a specific login and / or at a specific location. Such requests may include requests up to a pre-authorized amount. Any amount exceeding this may be prevented from being transferred. The excess amount may be prevented from being transferred, but if the request is for a majority amount, that amount may still be transferred.

[0075] Some embodiments may include receiving a request to transfer a first amount from a first account to a second account. In some embodiments, the transfer request includes a bet that exceeds the balance in the second account at the time of betting. For example, if a user bets more money than they have in their account, the bet may be interpreted by the system as a request to transfer money to the account to cover the bet. The responding system may transfer the required money from one or more pre-authorized accounts using any preferred mechanism.

[0076] Some embodiments may include, in response to a transfer request, determining that the amount is at least less than or equal to a portion of the amount. Other embodiments may not include such activity but may transfer up to the pre-licensed amount.

[0077] In some embodiments, the transfer of an amount from a first account to a second account may be included in response to a determination that the amount is at least less than or equal to a portion thereof. In some embodiments, this may occur in response to a request for a money transfer.

[0078] Some embodiments may include allowing bets to be placed using a second account. Such bets may be placed in connection with a second gaming provider but not with a first gaming provider. Such bets may include bets related to a set of sanctioned events.

[0079] Some embodiments may include determining the outcome of a bet and adjusting the balance of a second account in response to the outcome. For example, a server may receive bets and / or game activity, determine the outcome of the game and / or bet, and adjust the account in response.

[0080] Some embodiments may include determining the outcomes of a number of bets made using a first account before receiving a request to transfer the first account and after storing information that at least a portion of the transfer has been pre-authorized. The account balance may be adjusted in response to such bets. In some embodiments, adjusting the balance includes reducing the balance to at least a portion of it. In some embodiments, in response to adjusting the balance of the first account in response to the outcomes, the stored information indicating that only an amount up to the balance has been pre-authorized is less than or equal to the balance.

[0081] Some embodiments may include determining the second outcome of a second set of bets made using the first account, and adjusting the balance of the first account in response to the outcome, before receiving a request to transfer funds to the first account. The balance of the account may be adjusted in response to such bets. Adjusting the balance includes increasing the balance by at least a portion. Some embodiments may include allowing transfers of amounts less than or equal to the balance in response to adjusting the balance of the first account in response to the outcome.

[0082] Some embodiments may include opening a third account from which a player can place third bets associated with a third game operator. In some embodiments, the user interface allows transferring money from the first account to either the second or third account. In some embodiments, instructions that at least a portion of the balance should be available for the transfer specify that the transfer is permitted only to the second account, in which case the user interface allows the transfer of money only from the first account to the second account.

[0083] Some embodiments may include determining a player's first location and allowing the player to place bets using a first account based on that first location. Some embodiments may include determining a player's second location and allowing the player to place bets using a second account based on that second location.

[0084] Some embodiments may include allowing a player accessing a gaming service to determine a first network and to place bets using a first account based on the first network. Some embodiments may include allowing a player accessing a gaming service to determine a second network and to place bets using a second account based on the second network.

[0085] Some embodiments may include determining a first login used by a player to access a gaming service, and allowing betting using a first account based on the first login. Some embodiments may include determining a second login used by a player to access a gaming service, and allowing betting using a second account based on the second login.

[0086] Some embodiments may include allowing pre-authorization from a first account based on a first login, preventing pre-authorization from a second account based on a first login, and allowing transfers from a second account based on a second login. Thus, in such embodiments, the functionality of an account may be limited based on the login. Such functionality may allow the intermediary to provide gaming and / or account services for multiple customers (e.g., game operators) or to separate account usage and / or functionality. For example, a player may have separate logins for each game operator, and based on the use of the logins, the player may be given different levels of functionality for the different accounts. In some embodiments, logins may be selected by the user, limited by location, determined by the application used, determined by the gateway accessed, etc.

[0087] Some embodiments may include determining that a third login is used by the player to access the system, preventing betting using the first account based on the third login, preventing betting using the second account based on the third login, and allowing transfers to be pre-authorized from both the first and second accounts based on the third login. Thus, in some embodiments, a single login may allow a user to control functions associated with multiple accounts. Such a login may have limited functionality for betting but may not allow other functionality. Thus, a single login may allow a user to pre-authorize and transfer money without switching logins. In some embodiments, such a single sign-in may include betting functionality for one or more game operators.

[0088] Figure 2 is shown and described in detail only as an example without limitation, and it should be recognized that various embodiments may include some, none, all, other, separately organized, other, etc. activities and / or processes.

[0089] Figure 3 shows exemplary processing that may be performed in several embodiments. Such processing may be performed by one or more computer devices, such as a server, gateway, or portable device. Such a method may be embodied by one or more instructions stored in one or more non-transient media. In some embodiments, a non-transient media storing multiple instructions causes the device to perform processing when an instruction is executed.

[0090] Some embodiments may include determining the player's first location. In some embodiments, the location is determined based on one or more networks used by the player to access the gaming service, the IP address of the device used by the player, the geographical fence where the player is located, the player's GPS location, and the login used by the player to access the gaming service.

[0091] Some embodiments may include determining a first account that is maintained by the device and can be accessed by a betting player associated with a first gaming operator controlled at a first location. For example, a mobile game, sports gambling, and / or accounting system may determine that a user can bet from a particular account based on the following: being located in a casino, using a casino-branded application, using a casino network, using a casino-associated login, etc. Such bets may be placed against the first gaming operator and against several other parties (e.g., mobile game operators, sports gambling, other players).

[0092] Some embodiments may include, in response to determining a first account, allowing the user to place bets associated with a first game operator using the money in the first account.

[0093] Some embodiments may include receiving a first request to authorize one or more future transfers of a total first amount from a first account to a set of accounts owned by the player and maintained by the device.

[0094] Some embodiments may include receiving a second request to open a second account for the player after receiving a first request.

[0095] In some embodiments, a second account may be opened, in which case the second account may be accessed by a player placing bets associated with a second gaming operator controlled at a second location. In some embodiments, the second account may not be used to place bets associated with the first gaming operator, in which case the second location is different from the first location. In some embodiments, the first account may not be used to place bets associated with the second gaming operator. In some embodiments, the first account may include an account for casino bets, and the second account may include an account for races and sports bets.

[0096] Some embodiments may include receiving a third request to transfer a second amount from the first account to the second account after the second account has been opened.

[0097] Some embodiments may include determining whether the second amount is less than or equal to the first amount.

[0098] Some embodiments may include assisting in the transfer of a second amount from a first account to a second account in response to a determination that the second amount is less than or equal to the first amount. In some embodiments, such a transfer may occur in response to a request up to a pre-authorized amount.

[0099] Some embodiments may include determining the player's second location. In response to determining the second location, some embodiments allow the player to use money from the second account to place bets associated with a second game operator.

[0100] Some embodiments may include associating first and second accounts with players through a database that holds information about the players. For example, a customer database may store information about players and associate information about accounts and players between accounts.

[0101] Some embodiments may include receiving changes to player information from a first game operator and adjusting the maintained information so that player information is consistent across game operators. In some embodiments, the information includes at least one player's address, the player's driver's license number, the player's social security number, and the player's name. For example, a player may open a new account with a new game operator and identify a new format of ID (e.g., driver's license). Such a new format of ID may be recorded in a database for the player along with prior information about the player (e.g., social security number).

[0102] Some embodiments may include allowing transfers based on a second location associated with a second game operator. In some embodiments, the location may be irrelevant. In some embodiments, in addition to and / or as alternatives or proxies for location, logins, devices, applications, etc. may be included.

[0103] Some embodiments may include reducing the first amount to a second amount, and may allow transfers down to the reduced first amount. Thus, when the amount is transferred, the pre-licensed amount may be reduced.

[0104] Figure 3 is shown and described in detail only as an example without limitation, and it should be recognized that various embodiments may include some, none, all, different, separately organized, or other activities and / or processes. It should be recognized that any feature described in detail with respect to any figure and / or embodiment may be used together with other embodiments and / or figures. For example, one or more features of Figures 2 and 3 may be used together with one or more features of the system of Figure 1 in some embodiments.

[0105] Additional examples Some embodiments may include supporting a consolidated account from which money can be transferred and from which money can be transferred to another account. Such a consolidated account may be maintained by one or more accounts and / or a trusted third party. Such a consolidated account may allow users of casino accounts to transfer game-related funds from one casino account to the consolidated account and to another casino account for other casino games.

[0106] In some embodiments, a single account may be used across multiple casinos or gaming providers that do not otherwise maintain ledgers. Such a single account may function as an account for each of the multiple casinos. For example, winnings may enter the single account via an account at a particular casino. Bets may be transferred from the single account to a casino account and then placed in games. Such deposits may occur transparently to the user. Such deposits may occur in response to winnings, in response to bets, and in response to the withdrawal of money from the account.

[0107] Auditing each transaction entering into and / or leaving a consolidated and / or single account can be aided by recording each transaction for each account, each bet, and each outcome.

[0108] Transactions via the transit of an embodiment may occur based on an agreement between each casino and the operator of the consolidated account. Such an agreement may include the formation of an API that allows direct transit through the transfer of funds. In some embodiments, transit may include a delay in the casino account for a certain period of time for processing. In some embodiments, consolidated and / or single accounts may be used in combination with individual accounts (for example, a user may place bets and / or deposit money into a single casino account, and simultaneously into a consolidated and / or single account).

[0109] Such audits could allow for broader application of cross-attribute restrictions. For example, a user could become a problematic gambler with restrictions imposed on when or how often gambling is permitted. Usage could be moved from attribute to attribute in advance to avoid fulfilling the restrictions. While using tokens, restrictions can be monitored across attributes.

[0110] A user with such an account may use a portable gaming device (e.g., an Android phone) to place bets at each of multiple casinos, either by opening a new account at each casino or without opening such an account. For example, in some embodiments, opening linked and / or single accounts may be controlled to open separate accounts at each casino, which can act as a conduit and / or receiver of funds. In some embodiments, use may directly utilize the funds in a single account for betting.

[0111] Some embodiments may include tokens. Such tokens may take the form of cards (e.g., debit cards, player cards, prepaid cards, etc.), RFID devices, or mobile phones (e.g., NFC-enabled mobile phones, mobile phones running the Google Wallet app, etc.). For example, the account service provider shown in 401 of Figure 4 may provide services related to tokens. For example, such an account service provider may maintain accounts that can be accessed using tokens in multiple locations.

[0112] In an embodiment of a prepaid card, for example, a user may purchase a prepaid card from a vendor. For example, a user may pay a vendor $100 in cash (and, where possible, some additional activation or other fees) to purchase a card (e.g., a plastic card with a chip, swipe, RFID, Bluetooth®, or other identifier) ​​from a store. The vendor may activate the card by contacting the account service provider from which the card was purchased. Such activation may be similar to the activation of a prepaid Visa card by the vendor. Information regarding activation may be transmitted to the account service provider from an activation site to identify the activation.

[0113] An account service provider may maintain an account for the token holder that holds the money within it (for example, a buyer may have an account held by the account service provider that holds $100 within it). Token holders may access the money in the account by using the token.

[0114] A token holder may present the token to a gaming device (e.g., a customer terminal in a casino). Element 403 in Figure 4 shows an exemplary gaming device. The gaming device may include computer devices such as slot machines, automatic ticket dispensers, personal computers, point-of-sale terminals, cash registers, and ticket-in / ticket-out machines. The gaming device may obtain information from the token (e.g., by reading information from magnetic strips, strips, or chips). This information may be used by the gaming device and / or some other devices of the gaming operator (e.g., a gaming server communicating with the gaming device) to access funds from an account service provider. In some implementations, the gaming device may include a device on which a game involving the risk of money for potential rewards may be played.

[0115] Figure 4 shows a game server 405. Such a server can maintain information that enables gameplay, accounting, and / or allows any desired functionality. The allocation of functions between the game device and the game server is merely an example and may vary in various embodiments. For example, some embodiments may not include any game server and / or any game device at all.

[0116] As illustrated in this example, a game server may maintain user accounts. These accounts may be opened in advance by the user, subject to control regulations and / or specific rules of the operator. The accounts may hold money that the user can use to play games (e.g., using gaming equipment).

[0117] A game server may receive information that identifies a token (e.g., an identifier for a token read from a magnetic strip with an NFC structure). In response to receiving such information, the game server may contact the account service provider to transfer money from accounts associated with the token and managed by the account service provider. Money may be transferred (e.g., by an automated clearing institution transfer and / or other electronic transfer of funds) so that the money from all or some of the accounts associated with the token is moved to the game server's account. Thus, tokens can be used as a method of funding the game server's account or as an alternative to directly providing money to the game operator. In some implementations, such a mechanism may allow convenient methods of funding the account and may allow the transfer of account funds from person to person by means of a card or other transfer.

[0118] In some embodiments, if the token is removed and / or if another user ends gambling with respect to the game operator controlling the game device 403, for example by the user leaving the game device unattended, logging off, removing the token, and / or taking any other termination action, the money may be moved from one account to another. In some embodiments, any unused money from the money moved from the account service provider to the game server account may be returned to the account service provider's account. When the game server decides whether or not to make a transfer, it may decide that the transferred money should be used first, last, proportionally, first-in, first-out, last-in, first-out, etc.

[0119] A bet cannot be canceled if such an event occurs (e.g., a sports bet that is canceled after a recently played game). Recently canceled bets may result in money deposited in the game server account and / or attributable to the player. In some implementations, when a token is removed or the bet is otherwise terminated, the money may be treated as if it were in the account (e.g., it may be transferred to all or part of the account service provider). In other implementations, it may be kept at the level of the game service account.

[0120] In some embodiments, money may be earned through the use of tokens that have been transferred to the game operator's account (e.g., by winning a game). Such money may be treated the same as money transferred to the account, and in some implementations, a bet made using a money-transferred token may be treated as a money-transferred token that has been moved to the account service provider, for example, if it results in winning a higher amount of money. In some implementations, any amount of money in the account greater than the initial amount in the account when the money-transferred token was transferred is treated as money transferred by the token. In some embodiments, such money may be money that was not otherwise deposited or earned through past bets. In other implementations, such earned money may remain in the account. The game server may monitor the money in the account to determine what happens when anything is transferred.

[0121] A user may place a token into another gaming device (e.g., 407) to access money remaining in an account with an account service provider. This gaming device may communicate with a second gaming device 409 of various gaming providers. In response to receiving information about the token, this gaming device may transfer money from the account service provider's account to a second user's account at the second gaming provider, similar to how money is transferred to an account on the casino's server 405.

[0122] Therefore, users can use tokens as a wallet to transfer money from one gaming account to another via an account service provider. This can be a convenient way for users to hold available gaming money that moves from place to place without tying the money to a single location.

[0123] Some embodiments are given in relation to transferring money to an account service provider, while other embodiments may include such transfers. Rather, once money is transferred from an account service provider's account, it cannot be related to that account.

[0124] In some embodiments, a token may be associated with a specific user. For example, a token may be associated with a user when the user purchases a token (e.g., purchasing cryptocurrency to add to a wallet app, purchasing a prepaid card, etc.). The vendor may collect identifying information (e.g., name, driver's license, etc.). This information may be checked by a game server-like user who subsequently uses the token. For example, a game server may store specific information about a user and access that information when the user logs in. The game server may compare the information or transmit it for comparison with information provided at the time of purchase. Transfers may be allowed if they match or rejected if they do not match.

[0125] In some embodiments, association with a user may occur at various time periods. For example, such association may occur during a first period when the token is used by the game operator. When the token is used and the user signs in to the game operator, the token may be associated with the user by the game operator. Eventually, the token may be used to identify the user, for example, in a player's loyalty card. Loyalty points may be awarded or used from an account linked to the token through the game service. The user may be asked to provide a password or other data to verify information and / or its attributes.

[0126] In some embodiments, money may be transferred from an account service provider upon request. For example, rather than and / or in addition to transferring money in response to tokens presented to a gaming device, money may be transferred in response to the use of money on the gaming device (e.g., bets made). Money may be returned to the account if winnings are generated (or in some implementation relationships). Thus, while the user may need to hold the money in the account using the gaming server, the money may rather be held by a third party. The account of that third party may be accessible by multiple gaming operators.

[0127] Records of bets and winnings may appear as account statements of claims and debts relating to debts bet and claims earned in the account. The game server and / or game device may contact an account service provider to withdraw money from an account to fund a bet in response to a bet request from a user. In response to the withdrawal of money, a bet may be formed (e.g., in response to an automated clearing institution transmission or other electronic fund transfer). If the bet is won, the game server and / or game device may deposit the winnings into the account (e.g., via an automated clearing institution and / or other account transfer to an account service provider instructing the account service provider to transfer the money to the account).

[0128] Tokens and / or other information may act as authorization for desired transfers and margin transactions. For example, information such as a token ID and / or token password may be transmitted from the game server and / or game device to the account service provider to verify the user authorized to perform transfers resulting in account inflows and outflows from the user's account on the game device. Some embodiments may not use tokens but rather associate them with user credentials using a game operator.

[0129] In some embodiments, such systems can be used to minimize a user's gambling addiction. For example, an account with an account service provider may have restrictions. A user may not be able to claim such an account with a credit card, a user may be restricted from wagering a certain amount from the account over a period of time, a user may be required to top up the account with such cash if it is empty before doing so, and a maximum deposit amount may be set for such an account. Thus, the activity of a problematic gambler across multiple providers can be used to prevent problematic gambling from occurring through such systems.

[0130] In some embodiments, an account service provider may act as a bonder for the competent gaming requirements. A user may use such an account service provider to determine one or more pieces of information having one or more levels of accuracy. The account service provider may maintain its verification. The account service provider may, through such a gaming operator, provide information to one or more gaming operators for the organization of the user's gaming activity.

[0131] For example, a user may provide a driver's license as proof of age and as an address for the account service provider (e.g., the company from which the token is purchased). The account service provider may determine the user's age and store such information (e.g., store a copy of the driver's license and enter the age into a database). The account service provider may take any verification steps if requested or permitted by the user. For example, the account service provider may verify the driver's license in its issuing state or in other jurisdiction.

[0132] When a user presents a token to a game operator, the game operator may query the account service provider to determine whether the user may be allowed to play the game. The account service provider may respond by providing the game operator with information about the user. For example, in a jurisdiction where the game operator is required to restrict gameplay to persons 18 years of age or older, or to verify such age by visual inspection of a driver's license, the game operator may request that information from the account service provider. The account service provider may retrieve that information from its records and transmit it to the game operator. The game operator may respond by allowing the user to play the game. In some embodiments, rather than transmitting the information, the account service provider may answer the query with a yes or no (e.g., yes indicating the user meets the requirements, no indicating the user does not meet the requirements).

[0133] It should be recognized that verification at all levels may be used by either the game operator and / or the account service provider. Different jurisdictions, operators, and / or activities may require different levels of security, user information, verification, etc. The account service provider may act as a central authority over its information across operators and / or jurisdictions. When different operators make requests regarding users, they may request different things. The account service provider may respond differently based on the requests. The game operator may then authorize different activities based on the responses.

[0134] For example, in jurisdiction A, a game operator may require a copy of the driver's license (verified by the driver's license issuer), age, and proof of identity before the user can participate in all game activities. If the account service provider has the user's information, the account service provider may allow the user to play the game and / or ask the game operator to provide the desired information. As another example, in jurisdiction B, a game operator may require a copy of the driver's license and the user's age to participate in the first type of game. The account service provider may respond to this information if available. As yet another example, in jurisdiction B, a game operator may require the user's age, driver's license, and a second form of ID to participate in the second type of game. The account service provider may not have a second form of ID for the user (if the user did not provide it) and may respond that it does not have that information. The two requests to play the two types of games may be made together or as a request to play the highest level game. In response, if such a request is made, the game operator may authorize the user to play any level of game available to them. Users may compensate for losses attributed to the game operator by providing additional IDs to the game operator. Users may provide various forms of verification to account service providers so that they have multiple jurisdictions and / or provide requirements consistent with a single credential.

[0135] Game operators and / or account service providers may monitor requirements such as authentication, security, identification, and age across jurisdictions, providers, and game types. Thus, a game operator may inquire whether this person is qualified to do this here. The account service provider may then investigate and determine the jurisdiction that determines the requirements. Next, the account service provider may investigate to understand whether the person is qualified to meet the requirements of the jurisdiction. The account service provider may then respond with yes or no (e.g., the provider may make copies for legal, audit, or further verification purposes as desired). In other embodiments, a game operator may request specific requirements and obtain the results of such queries (e.g., whether the person has a verified ID and is 18 years of age or older, or send me a copy of the ID and the user's age). In some embodiments, it may be required to obtain further forms of verification in some embodiments (e.g., taking a photograph, facial recognition, person input, ID check, biometric authentication, etc.).

[0136] Such activities may be undertaken to create a new account, to start betting on a device, to transfer money, and / or to otherwise designate a gamer-like user to a gaming operator. Thus, an account service provider may act as a central authority for credentials and may act to link users with their information across jurisdictions and / or operators. The token may then act as a form of identification for the user across the services being linked. Forms of identification for one or more other users may be required across the services being linked (e.g., biometric data, username, password, other login information, etc.).

[0137] In some embodiments that enable gaming, such information may be used to create an account. Such an account may be a permanent account from which the user can play games (for example, by transferring money). Money may be transferred from one account to another with the aforementioned account service provider. The user may later access that account by presenting a token or by otherwise logging into the account.

[0138] In some embodiments, such accounts may be temporary and / or on-demand accounts. For example, money may be transferred from an account service provider to that account. Gambling may occur. Once gambling is completed, the account may be closed and the money may be returned to the account service provider. For bets to be paid after the game is completed, gambling may be treated as completed when the bet is settled (for example, if money is received later than the completed bet, the money is transferred with a delay). Accounts may be closed after a session and may not be accessible. Future accounts may be opened by creating future offerings from tokens or information from other account service providers.

[0139] In yet another embodiment, financial accounts may not be opened by the game operator, but claims and debts may be created by an account service provider to fund bets made by the game operator. The account service provider may then be associated with a user so that eligibility is defined by the game operator and access to accounts held therein may be permitted without transferring them from other sources for use in games (e.g., betting debts and winnings claims).

[0140] Furthermore, in some embodiments, tokens may be limited to use with game servers, while in other embodiments, tokens may be used for purposes other than game servers. For example, in some embodiments, tokens may be used for purchases via a credit card network. Prepaid card-type tokens, or mobile wallet-type tokens, may be accessed via a credit card network for purchases, similar to how prepaid cards in mobile wallet apps are used.

[0141] In some embodiments, an account service provider, a point-of-sale terminal, a gaming operator, and / or other entity may determine the level of verification required to access funds in a user's account at the account service provider based on the type of request being made. For example, if a user uses a token to purchase a soda at a store, the token may be used by swiping a card or recording on a mobile phone. However, if the token is used by a gaming operator and / or to fund a gaming account as a source of funds for some bet, one or more additional pieces of information may be requested. For example, a username, PIN, password, biometric authentication, etc., may be requested before money can be withdrawn from the account. Thus, the type of authentication information may vary based on the type of service purchased and / or the type to which the funds are being sent.

[0142] In some embodiments, the account service entity may include a bank (or a debit / credit card that processes the entity). Tokens may include those issued by the bank, such as debit cards. Thus, the bank may collect eligibility information, such as licenses and age. The bank may act as the user's bonder and / or source of funds. Such embodiments may provide greater convenience to the user by integrating accounts.

[0143] In some embodiments, such as those of a debit card, a user may be prevented from using excessively withdrawn funds for gambling. In some embodiments, jurisdictional rules may prevent a user from using debt to place bets. Some banks may allow users to over-withdraw from their accounts, thereby incurring debt when using a debit card. To prevent a user from incurring debt when using a debit card for gambling, the account provider (e.g., a bank) and / or the gambling operator may prevent a user from over-withdrawing when using a debit game for gambling. In some embodiments, the gambling operator may inquire about the account balance and / or the account provider to determine whether the amount to be transferred is actually available in the account before transferring the account. The gambling operator may only make transfers if the account is available. In some embodiments, the account provider may determine based on the type of transaction or the type of requester of a transaction for which over-withdrawal is prohibited, and may only make that transaction if the money is available in the account for doing so.

[0144] In embodiments relating to tokens, tokens can take many forms. For example, tokens may include cards, codes, mobile phones, mobile phone elements, electronic serial numbers, mobile phone identification numbers, personal identification numbers, elements that allow access to funds via a device, etc.

[0145] In some embodiments, users may add funds to their accounts remotely. For example, a user may add funds to a prepaid card by accessing a webpage or by transferring funds from a bank account to the prepaid card account using an account service provider. The user may enter specific information about the prepaid card to access the fund deposit mechanism (for example, by entering the account number from the card to the website interface).

[0146] In some embodiments, the user may input an amount to transfer from one account to another, rather than an on-demand transfer or a transfer of all funds, and / or in addition to such a transfer.

[0147] It should be recognized that various examples are provided, and such examples are not limiting. Various embodiments can be used in combination with others. And some embodiments can be used separately from others (for example, a bank controlling as a bonder of qualifications rather than an account provider).

[0148] Processing and / or apparatus term The term "product" means the machine, manufacture, and / or composition of the thing unless otherwise explicitly stated.

[0149] The term "process" means a process, algorithm, method, etc., unless otherwise explicitly stated.

[0150] Each process (whether called a method, algorithm, or otherwise) essentially comprises one or more steps, and therefore any reference to a “step” (singular or plural) of a process has essential prior ground in a mere description of a process or a mere description of a term such as “process.” Thus, any reference to a “step” (singular or plural) of a process in a claim has sufficient prior ground.

[0151] Unless otherwise explicitly stated, terms such as "invention" mean "one or more inventions disclosed herein."

[0152] The terms "a certain embodiment," "embodiment," "multiple embodiments," "the embodiment," "multiple embodiments," "one or more embodiments," "several embodiments," "a given embodiment," "one embodiment," and "another embodiment" all mean "one or more (but not all) embodiments of the invention" unless otherwise explicitly stated.

[0153] The term "modification" in this invention means embodiments of the invention unless otherwise explicitly stated.

[0154] References to “other embodiments” in describing embodiments do not imply that the referenced embodiment is mutually exclusive with other embodiments (e.g., embodiments described before the referenced embodiment) unless otherwise explicitly stated. The terms “includes,” “equip,” and their variations mean “includes, but not necessarily limited,” unless otherwise explicitly stated. For example, the statement “The securities include a red widget and a blue widget” means that the securities include a red widget and a blue widget, but may also include one or more other items.

[0155] The phrase "consists of" and its variations mean "includes and is limited to" unless otherwise explicitly stated. For example, the sentence "Securities consist of red widgets and blue widgets" means that securities include red widgets and blue widgets, but nothing else.

[0156] The term “to constitute” and its variations mean “to make up its components, parts, or elements,” unless otherwise explicitly stated. For example, the sentence “The red widget and the blue widget constitute the security” means that the security includes the red widget and the blue widget.

[0157] The term "exclusively constitutes" and its variations mean "only the constituent parts or elements that exclusively make up that component," unless otherwise explicitly stated. For example, the sentence "The red widget and the blue widget exclusively constitute the security" means that the security consists only of the red widget and the blue widget (i.e., nothing else).

[0158] The terms “a,” “an,” “one,” and “the” ("a," “an," and “the") refer to “one or more” unless otherwise explicitly stated.

[0159] The term "plural" means "two or more" unless otherwise explicitly stated.

[0160] The term “in this specification” means “in this specification, including any matters that may be incorporated by reference,” unless otherwise explicitly stated.

[0161] The phrase "at least one of" means any combination of one or more of the things (a list of things) when such a phrase modifies multiple things, unless otherwise explicitly stated. For example, the phrase "at least one of the widget, car, and steering wheel" means any of (i) a widget, (ii) a car, (iii) a steering wheel, (iv) a widget and a car, (v) a widget and a steering wheel, (vi) a car and a steering wheel, or (vii) a widget, a car, and a steering wheel. The phrase "at least one of" does not mean "one of each" of the multiple things when such a phrase modifies multiple things.

[0162] Numerical terms such as "one" and "two" are used as a base to indicate some quantity (e.g., one widget, two widgets). When these numerical terms are used, they mean the quantity indicated by the numerical term, but not at least the quantity indicated by the numerical term. For example, the phrase "one widget" does not mean "at least one widget," and therefore, the phrase "one widget" does not encompass, for example, two widgets.

[0163] The phrase "based on" does not mean "based solely on" unless otherwise explicitly stated. In other words, the phrase "based on" encompasses both "based solely on" and "based at least on." The phrase "based at least on" is equivalent to the phrase "based at least partially on."

[0164] Terms such as "represent" are not exclusive unless otherwise explicitly stated. For example, the term "represent" does not mean "represent only" unless otherwise explicitly stated. For instance, the phrase "the data represents a credit card number" encompasses both "the data represents only a credit card number" and "the data represents a credit card number, and the data also represents something else."

[0165] The term "therefore" is used herein only to precede any clause or other set of words that express only an intended result, purpose, or consequence of something explicitly stated before the term "therefore." Therefore, where the term "therefore" is used within a claim, the clause or other words it modifies do not establish any further limitation to the claim, nor limit the claim or its meaning.

[0166] The terms “for example,” “e.g.,” and similar terms mean “to give an example,” and therefore do not limit the terms or phrases they describe. For example, in the sentence “A computer transmits data (e.g., instructions, data structures) over the internet,” the term “for example” explains that “instructions” are an example of “data” that a computer can transmit over the internet, and also explains that “data structures” are an example of “data” that a computer can transmit over the internet. However, both “instructions” and “data structures” are merely examples of “data,” and other things besides “instructions” and “data structures” can also be “data.”

[0167] The term "each" and similar terms mean "individually." Therefore, when two or more things each have characteristics, each of these things has its own characteristics, and these characteristics may or may not be different from one another. For example, the phrase "each of the two machines has its own function" means that the first of the two machines has a function, and the second of the two machines also has a function. The function of the first machine may or may not be the same as the function of the second machine.

[0168] The term "that is" and similar terms mean "in other words" and therefore limit the term or phrase they describe. For example, in the sentence "Computers transmit data (i.e., instructions) over the internet," the term "that is" describes the "instructions" as the "data" that computers transmit over the internet.

[0169] A numerical range includes integers and non-integers within that range unless otherwise explicitly stated. For example, the range "1 to 10" includes integers (e.g., 1, 2, 3, 4, ..., 9, 10) and non-integers (e.g., 1.1, 1.2, ..., 1.9) from 1 to 10.

[0170] When two or more terms or phrases are synonymous (for example, due to an explicit indication that the terms or phrases are synonymous), one instance of such a term or phrase does not imply that another such term or phrase must have a different meaning. For example, if a sentence indicates that the meaning of “includes” is synonymous with “includes but not limited to,” then the mere use of the phrase “includes but not limited to” does not imply that the term “includes” means anything other than “includes but not limited to.”

[0171] II. Make a decision The term “determining” and its grammatical variations (e.g., determining a price, determining a value, determining an object that meets certain criteria) are used in a very broad sense. Because the term “determining” encompasses a wide range of actions, it can include calculating, calculating, processing, deriving, examining, referencing (e.g., referring to a table, database, or another data structure), rendering to an electronic format or digital representation, identifying, etc. “Determining” can also include receiving (e.g., receiving information), accessing (e.g., accessing data in memory), etc. Furthermore, “determining” can also include resolving, selecting, choosing, establishing, etc.

[0172] The term "determine" does not imply certainty or absolute accuracy, and therefore "determine" can include estimating, inferring, predicting, estimating, etc.

[0173] The term "decide" does not imply that mathematical processing must be performed, that numerical methods must be used, or that algorithms must be used.

[0174] The term "decide" does not imply that a specific device must be used. For example, a computer does not necessarily have to perform the decision-making process.

[0175] III. Form of text If the limitation of the first claim includes one or more of the features (for example, a limitation such as "at least one widget" includes one or more widgets), and in a second claim dependent on the first claim, if the second claim uses the definite article "the" to refer to that limitation (for example, "the widget"), this mere use does not imply that the first claim includes only one of the features, nor does it imply that the second claim includes only one of the features (for example, "the widget" can include both one or more widgets).

[0176] When ordinal numbers (such as "first," "second," "third," etc.) are used as adjectives before a term, the ordinal number (unless otherwise explicitly stated) is simply used to indicate a particular feature, such as to distinguish it from another feature described by the same or similar term, but the ordinal number is merely a designation for convenience and has no other meaning or limiting effect. For example, "first widget" may have such a name simply to distinguish it from, for example, "second widget." Therefore, simply using the ordinal numbers "first" and "second" before the term "widget" does not indicate any other relationship between the two widgets, nor does it indicate any other characteristics of either or both widgets. For example, simply using the ordinal numbers "first" and "second" before the term "widget" does not indicate (1) that the order or location of any widget precedes or follows any other widget, (2) that any widget occurs or operates before or after any other widget in time, or (3) that any widget is ranked higher or lower than any other widget in terms of importance or quality. The mere use of ordinal numbers does not define numerical limitations on the features identified using ordinal numbers. For example, the mere use of the ordinal numbers "first" and "second" before the term "widget" does not indicate that there are exactly two widgets.

[0177] Where a single device, article, or other product is described herein, in other embodiments, two or more devices or articles (whether or not they work together) may be used instead of the single device or article described. Thus, in other embodiments, a function described as being processed by a device may be owned by two or more devices or articles (whether or not they work together) instead.

[0178] Similarly, where two or more devices, articles, or other products are described herein (whether they work together or not), in another embodiment, a single device or article may be used instead of the two or more devices or articles described. For example, multiple computer-based devices may be replaced by a single computer-based device. Thus, various functions described as being handled by two or more devices or articles may, alternatively, be possessed by a single device or article.

[0179] The functions and / or features of a single device described may, in other embodiments, be implemented by one or more other devices that are described but not explicitly stated to have such functions or features. Therefore, other embodiments do not necessarily have to include the described device itself, but rather may include one or more other devices having such functions or features in these other embodiments.

[0180] IV. The examples and terms disclosed are not restrictive. Neither the title (as presented at the beginning of the first page of this specification) nor the abstract (as presented at the end of this specification) should be construed as limiting the scope of the disclosed invention, nor should they be used in interpreting the meaning of any claim, nor should they be used to limit the scope of any claim. The abstract is included herein solely because it is required under 37.CFR 1.72(b).

[0181] The headings of the sections provided herein are for convenience only and should not be construed as limiting the disclosure.

[0182] Many embodiments are described herein and presented for illustrative purposes only. The embodiments described are not and are not intended to be limiting. The disclosed invention is broadly applicable to many embodiments, as is readily apparent from this disclosure. Those skilled in the art will understand that the disclosed invention may be practiced with various modifications and changes, such as structural, logical, software, and electrical modifications. Certain features of the disclosed invention may be described with reference to one or more specific embodiments and / or drawings, but it should be understood that such features are not limited to the use in one or more specific embodiments or drawings described by reference unless otherwise explicitly stated.

[0183] One embodiment may be disclosed as including several features, but other embodiments of the present invention may include fewer features than all of these features combined. For example, one claim may also relate to fewer features than the entire set of features in the disclosed embodiment, and such a claim will not be construed as requiring features other than those expressly described in the claim.

[0184] Embodiments of method steps or product elements described herein do not constitute the claimed invention, are not essential to the claimed invention, or have the same scope as the claimed invention unless they are expressly described herein as such or expressly described within the claims (with respect to the claims and the invention as defined by those claims).

[0185] Any preamble in the claims that includes any classification other than a legal classification shall be construed as to include the object, advantages and possible uses of the claimed invention, and such preamble shall not be construed as limiting the claimed invention.

[0186] This disclosure is not a literal description of all embodiments of the invention. Nor is this disclosure a list of features of the invention that are necessary to be present in all embodiments. Not all disclosed embodiments are necessarily covered by claims (even if all reserved, amended, published, and withdrawn claims are included). In addition, disclosed embodiments may be covered by some claims (but are not necessarily covered). Therefore, if one claim (regardless of whether it is reserved, amended, published, or withdrawn) relates to a particular embodiment, this is not evidence that the scope of other claims does not relate to that embodiment.

[0187] Devices described as communicating with each other do not need to communicate with each other continuously unless otherwise explicitly stated. Conversely, such devices only need to transmit to each other as necessary or desired, and do not actually need to exchange data for the most of the time. For example, a machine communicating with another machine over the internet does not need to transmit data to the other machine over long periods (e.g., several weeks at a time). In addition, devices communicating with each other may communicate directly or indirectly through one or more intermediaries.

[0188] A description of an embodiment having several components or features does not imply that all or any of such components or features are required. Conversely, various optional components are described in order to illustrate the wide range of possible embodiments of the invention. Unless otherwise expressly stated, components or features are not essential or required.

[0189] Process steps, algorithms, etc., may be described or requested in a specific sequential order, but such processes can be configured to work in different orders. In other words, any order or sequence of steps that may be explicitly described or requested does not necessarily imply that the steps must be performed in that order. The steps of the processes described herein can be performed in any possible order. Furthermore, several steps may be performed simultaneously, even if they are not described or implied to be performed simultaneously (for example, because one step is described after another). Moreover, the examples of processes described in the drawings do not imply that the illustrated processes exclude other variations and modifications, that any of the illustrated processes or their steps are necessary for the invention, or that the illustrated processes are preferred.

[0190] While a process may be described as involving multiple steps, this does not imply that any or all of these steps are preferred, essential, or required. Various other embodiments within the scope of the invention include other processes that omit some or all of the steps described. Unless otherwise explicitly stated, no step is essential or required.

[0191] A process can be described in isolation, that is, without reference to other products or methods; however, in one embodiment, the process may interact with other products or methods. For example, such interaction may include linking one business model to another. Such interaction can be provided to improve the flexibility or desirability of the process.

[0192] A product may be described as comprising multiple components, aspects, quantities, characteristics, and / or features, without indicating that some or all of these multiples are preferred, essential, or required. Various other embodiments within the scope of the described invention may include other products that omit some or all of the multiples described.

[0193] An enumeration of items (some numbered, some unnumbered) does not imply that any or all of the items are mutually exclusive unless otherwise explicitly stated. Similarly, an enumeration of items (some numbered, some unnumbered) does not imply that any or all of the items encompass any category unless otherwise explicitly stated. For example, the enumeration "Computers, laptops, and PDAs" does not imply that any or all of the three items in that list are mutually exclusive, nor does it imply that any or all of the three items in that list encompass any category.

[0194] The enumeration of items (some numbered, some not) does not imply that any or all of the items are equivalent to or readily interchangeable with one another.

[0195] All embodiments are illustrative and, in some cases, do not imply that the present invention or any of its embodiments were created or practiced.

[0196] V. Computing Those skilled in the art will readily understand that the various processes described herein may be carried out, for example, by appropriately programmed general-purpose computers, dedicated computers, and computing devices. Typically, a processor (e.g., one or more microprocessors, one or more microcontrollers, one or more digital signal processors) receives instructions (e.g., from memory or similar devices), executes those instructions, and thereby performs one or more processes defined by the instructions. Instructions can be carried out, for example, by one or more computer programs, one or more scripts.

[0197] "Processor" means one or more microprocessors, central processing units (CPUs), computing devices, microcontrollers, digital signal processors, graphics processing units (GPUs), similar devices, or any combination thereof, regardless of the architecture (e.g., chip-level multiprocessing or multicore, RISC, CISC, microprocessors without interlocked pipeline stages, pipeline configurations, simultaneous multithreading, microprocessors with integrated graphics processing units, GPGPUs).

[0198] Therefore, a description of a process is also a description of the apparatus for carrying out the process. The apparatus for carrying out the process may include, for example, a processor and input / output devices suitable for carrying out the process.

[0199] Furthermore, programs (and other types of data) that implement such methods can be stored and transmitted in several formats using various media (e.g., computer-readable media). In some embodiments, hardwired circuits or custom hardware may be used instead of, or in combination with, some or all of the software instructions that can implement the processes of various embodiments. Thus, various combinations of hardware and software may be used instead of software alone.

[0200] The term “computer-readable medium” refers to any non-temporary medium, multiple identical media, or combinations of different media, that are readable by a computer, processor, or similar device and are involved in providing data (e.g., instructions, data structures). Such media can take many forms, including but not limited to non-volatile media, volatile media, and transmission media. Non-volatile media include, for example, optical disks, magnetic disks, and other permanent memory. Volatile media typically include dynamic random-access memory (DRAM) that constitutes main memory. Transmission media include coaxial cables, copper wires, and optical fibers, including lines that constitute a system bus coupled to a processor. Transmission media include or can transmit sound waves, light waves, and electromagnetic emissions, such as those generated during radio frequency (RF) and infrared (IR) data communications. Common forms of computer-readable media include, for example, floppy disks, flexible disks, hard disks, magnetic tapes, any other magnetic media, CD-ROMs, DVDs, any other optical media, punch cards, paper tapes, any other physical media with patterned holes, RAM, PROMs, EPROMs, flash EEPROMs, any other memory chips or cartridges, carriers as described below, or any other computer-readable media.

[0201] Various forms of computer-readable media may be involved in the transport of data (e.g., instruction sequences) to the processor. For example, the data may be (i) sent from RAM to the processor, (ii) transported via a wireless transmission medium, (iii) formatted and / or transmitted in accordance with many forms, standards, or protocols such as Ethernet® (or IEEE 802.3), wireless local area network communications as defined by the IEEE 802.11 specification, whether they are approved by the WiFi Alliance, SAP, ATP, Bluetooth®, and TCP / IP, TDMA, CDMA, and 3G, and / or (iv) encrypted in any way of the various methods known in the art to ensure privacy and prevent tampering.

[0202] Therefore, a description of a process is also a description of a computer-readable medium that stores a program for carrying out the process. The computer-readable medium can store (in any suitable format) program elements suitable for carrying out the method.

[0203] Just as a description of the various steps of a process does not indicate that all of the steps described are required, an embodiment of the apparatus includes a computer or computing device capable of performing some (but not necessarily all) of the described processes.

[0204] Similarly, just as a description of the various steps of a process does not indicate that all the steps described are required, embodiments of computer-readable media for storing a program or data structure include computer-readable media for storing a program that, when executed, causes a processor to perform some (but not necessarily all) of the described process.

[0205] Where a database is described, a person skilled in the art will understand that (i) alternative database structures to the described structure are readily available, and (ii) other memory structures other than databases are also readily available. Any example or description of any database sample presented herein is an exemplary configuration of the stored information representation. For example, any number of other configurations other than those suggested by tables shown in drawings or elsewhere may be used. Similarly, a person skilled in the art will understand that any exemplary entries in a database represent only exemplary information, and the number and content of entries may differ from those described herein. Furthermore, notwithstanding any description of a database as a table, other forms (including relational databases, object-based models, and / or distributed databases) may be used to store and manipulate the data types described herein. Similarly, various processes as described herein can be performed using the object methods or behaviors of a database. In addition, databases can be stored locally or remotely in known forms on devices that access data within such databases.

[0206] Various embodiments can be configured to operate in a network environment including a computer that communicates with one or more devices (for example, via a communication network). The computer can communicate with the devices directly or indirectly via wired or wireless media (e.g., the Internet, LAN, WAN, or Ethernet, Token Ring, telephone lines, cable lines, wireless channels, optical communication lines, commercial online service providers, electronic bulletin board systems, satellite communication links, or any combination of the above). Each device may include a computer or other computing device, such as one based on an Intel®, Pentium®, or Centrino®, Atom®, or Core® processor, configured to communicate with the computer. Any number and types of devices may be in communication with the computer.

[0207] In one embodiment, a server computer or central authority may not be required or may be undesirable. For example, in one embodiment, the present invention may be implemented on one or more devices without central authority. In such an embodiment, any function described herein as being implemented by a server computer or data described as being stored on a server computer may be implemented or stored on one or more such devices instead of a server computer.

[0208] When a process is described, in one embodiment, the process can operate without any user intervention. In another embodiment, the process involves some human intervention (for example, steps are performed by a person or with human assistance).

[0209] VI. Continuing Application This disclosure provides a description of several embodiments and / or enablement requirements for the inventions to those skilled in the art. Some of these embodiments and / or inventions may not be claimed in this application, but may still be claimed in one or more continuation applications claiming priority to this application.

[0210] The application is intended to file an additional application to claim a patent for the purposes disclosed in the present application and for which enablement requirements were presented but not claimed.

[0211] VII. 35 U.S.C. § 112, paragraph 6 Any limitation of a claim that includes the phrase “means for” or “steps for” means that Section 112, paragraph 6 of the U.S. Patent Act applies to that limitation.

[0212] Any limitation of a claim that does not include the phrase “means for” or “steps for” means that Section 112, paragraph 6 of the U.S. Patent Act does not apply to that limitation, regardless of whether the limitation describes a function without including a description of the structure, materials, or operation for carrying out that function. For example, the mere use of the phrase “steps of” in a claim when referring to one or more steps in that claim or another claim does not mean that Section 112, paragraph 6 of the U.S. Patent Act applies to those steps.

[0213] With respect to means or steps for performing a particular function in accordance with Section 112, paragraph 6 of the U.S. Patent Act, the corresponding structures, materials, or actions described in this specification and its equivalents may perform additional functions as well as specified functions.

[0214] Computers, processors, computing devices, and similar products are structures capable of performing a wide range of functions. Such products may be operated to perform a specified function by executing one or more programs, such as programs stored in the product's memory devices or memory devices accessed by the product. Unless otherwise explicitly stated, such programs do not need to be based on any particular program, such as any specific algorithms that may be disclosed herein. Those skilled in the art will know that a specified function may be implemented through different algorithms, and that any of several different algorithms is merely a design choice for performing a specified function.

[0215] Therefore, with respect to means or steps for performing a particular function in accordance with Section 112, paragraph 6 of the U.S. Patent Act, a structure corresponding to a specified function includes any product programmed to perform the specified function. Such a structure includes a programmed product that performs a function, whether such product is programmed using (i) a disclosed algorithm for performing the function, (ii) an algorithm similar to the disclosed algorithm, or (iii) a different algorithm for performing the function. Where a means for performing a function is described as a method, a structure for performing this method includes a computing device (e.g., a general-purpose computer) programmed and / or configured with appropriate hardware to perform that function. It also includes a computing device (e.g., a general-purpose computer) programmed and / or configured with appropriate hardware to perform that function via other algorithms that would be understood by those skilled in the art.

[0216] VIII. Waiver Numerous references to specific embodiments do not indicate a rejection or disclaimer of additional different embodiments, and similarly, references to descriptions of embodiments that all include a particular feature do not indicate a rejection or disclaimer of embodiments that do not include that particular feature. Any explicit rejection or disclaimer in this application would be preceded by the phrases "does not include" or "cannot be implemented."

[0217] IX. Review Process In interpreting this application (including the claims), a person skilled in the art would refer to the examination history of this application rather than the examination history of any other patent or patent application, regardless of whether there are other patent applications that could be considered relevant to this application, or whether there are other patent applications that share a priority claim with this application.

[0218] Further embodiments The following description should be construed as further exemplary embodiments and not as claims.

[0219] [Addendum 1 to the First Section] The computer device receives a first instruction that the token is associated with the game account, In response to the step of receiving the first instruction, the computer device performs the step of associating the token with the game account, The computer device receives the funds from the game account, In response to the step of receiving the funds, the computer device assigns the funds to the game account, The computer device receives a second instruction presented to the first game device, In response to the step of receiving the second instruction, the computer device transfers at least a portion of the funds from the game account to a first temporary account in the first game device, The computer device receives a third instruction that the token is removed from the first game device, In response to the step of receiving the third instruction, the computer device transfers the remaining funds in the first temporary account to the game account so that the game account includes the second funds, The steps include: the token receiving a fourth instruction presented to the second game device by the computer device; In response to the step of receiving the fourth instruction, the computer device transfers at least a portion of the second funds from the game account to a second temporary account in the second game device, A method that includes this. [Addendum 2 to Section 1] The aforementioned token includes a card, The method described in Appendix 1 of the First Section. [Appendix 3 of Section 1] The first game device includes the step of supplying funds for betting using money from the first temporary account, The method described in Appendix 1 of the First Section. [Addendum 4 to Section 1] The aforementioned token includes a telephone, The method described in Appendix 1 of the First Section. [Addendum 5 to the First Section] The first game device is the first game device of the first game operator, and the second game device is the second game device of the second game operator. The method described in Appendix 1 of the First Section. [Addendum 6 of Section 1] The steps include monitoring betting restrictions across both the first and second gaming devices, The method described in Appendix 5 of the First Section. [Addendum 7 to Section 1] The first gaming device includes sports gambling, and the second gaming device includes a slot machine. The method described in Appendix 1 of the First Section. [Appendix 8 of Section 1] A step of authenticating a user associated with the token relating to at least two different jurisdictional requirements, the authentication step comprising at least one step of verifying age proof and address proof, The process includes, in response to the step of receiving the second instruction, verifying that the user has been authenticated in accordance with the first jurisdictional requirements of the first gaming device, and notifying the first gaming device that the user has been authenticated in accordance with the first jurisdictional requirements, The method described in Appendix 1 of the First Section. [Addendum 9 to Section 1] The process includes, in response to the step of receiving the fourth instruction, verifying that the user of the first gaming device has been authenticated in accordance with the second jurisdictional requirements, and notifying the second gaming device that the user has been authenticated in accordance with the second jurisdictional requirements, The method described in Appendix 8 of the First Section. [Addendum 10 to the First Section] The first jurisdictional requirement and the second jurisdictional requirement are different, The method described in Appendix 9 of the First Section. [Addendum 11 to the First Section] The step of notifying the first game device includes the step of providing information used to satisfy the first jurisdictional requirements of the first game device, The method described in Appendix 9 of the First Section. [Addendum 12 to the First Section] The aforementioned computer device includes the account service provider's server, The method described in Appendix 1 of the First Section. [Addendum 13 to Section 1] One or more computer devices and When executed by the aforementioned computer device, at least one or more computer devices, The token receives the first instruction associated with the game account. The aforementioned at least one computer device causes the token to receive a first instruction associated with a gaming account, The token receives the first instruction associated with the game account. In response to receiving the first instruction, associate the token with the game account, Allow the funds to be received in the aforementioned game account, In response to receiving the aforementioned funds, the aforementioned funds are assigned to the aforementioned game account. The aforementioned token causes the first game device to receive the second instruction presented to it. In response to receiving the second instruction, transfer at least a portion of the funds from the game account to the first temporary account in the first game device. The token is removed from the first game device in response to a third instruction. In response to receiving the third instruction, transfer the remaining funds in the first temporary account to the game account so that the game account includes the second funds. The aforementioned token causes the second game device to receive the fourth instruction presented to it. and a non-temporary intermediary that further stores a number of instructions that, in response to receiving the fourth instruction, cause the computer device to transfer at least a portion of the second funds from the game account to a second temporary account in the second game device, A device equipped with.

[0220] [Second Appendix 1] The computer device receives a first instruction that the token is associated with the game account, In response to the step of receiving the first instruction, the computer device performs the step of associating the token with the game account, The computer device receives the funds from the game account, In response to the step of receiving the funds, the computer device assigns the funds to the game account, The computer device receives a second instruction presented to the first game device, In response to the step of receiving the second instruction, the computer device transfers at least a portion of the funds from the game account to a first temporary account in the first game device, The computer device receives a third instruction that the token is removed from the first game device, In response to the step of receiving the third instruction, the computer device transfers the remaining funds in the first temporary account to the game account so that the game account includes the second funds, The steps include: the token receiving a fourth instruction presented to the second game device by the computer device; In response to the step of receiving the fourth instruction, the computer device transfers at least a portion of the second funds from the game account to a second temporary account in the second game device, The computer device determines the use of the game account based on the positions of the first game device and the second game device, A method that includes this. [Second Appendix 2] The aforementioned token includes a card, The method described in Appendix 1 of the second section. [Second Appendix 3] The first game device includes the step of supplying funds for betting using money from the first temporary account, The method described in Appendix 1 of the second section. [Second Appendix 4] The aforementioned token includes a telephone, The method described in Appendix 1 of the second section. [Second Appendix 5] The first game device is the first game device of the first game operator, and the second game device is the second game device of the second game operator. The method described in Appendix 1 of the second section. [Second Appendix 6] The steps include monitoring betting restrictions across both the first and second gaming devices, The method described in Appendix 5 of the second section. [Second Appendix 7] The first gaming device includes sports gambling, and the second gaming device includes a slot machine. The method described in Appendix 1 of the second section. [Second Appendix 8] A step of authenticating a user associated with the token relating to at least two different jurisdictional requirements, comprising the steps of authenticating at least one of age verification and address verification, The process includes, in response to the step of receiving the second instruction, verifying that the user has been authenticated in accordance with the first jurisdictional requirements of the first gaming device, and notifying the first gaming device that the user has been authenticated in accordance with the first jurisdictional requirements, The method described in Appendix 1 of the second section. [Second Appendix 9] The process includes, in response to the step of receiving the fourth instruction, verifying that the user has been authenticated in accordance with the second jurisdictional requirements of the first gaming device, and notifying the second gaming device that the user has been authenticated in accordance with the second jurisdictional requirements, The method described in Appendix 8 of the second section. [Second Appendix 10] The first jurisdictional requirement and the second jurisdictional requirement are different, The method described in Appendix 9 of the second section. [Second Appendix 11] The step of notifying the first game device includes the step of providing information used to satisfy the first jurisdictional requirements of the first game device, The method described in Appendix 9 of the second section. [Second Appendix 12] The aforementioned computer device includes the account service provider's server, The method described in Appendix 1 of the second section. [Second Appendix 13] One or more computer devices and When executed by the aforementioned computer device, at least one or more computer devices, The steps include: causing a token to receive a first instruction associated with a game account, and, in response to receiving the first instruction, associating the token with the game account; The steps include: receiving funds into the aforementioned game account, and in response to receiving the funds, assigning the funds to the aforementioned game account; The steps include causing the token to receive a second instruction presented to the first game device, In response to receiving the second instruction, the steps include transferring at least a portion of the funds from the game account to a first temporary account in the first game device, The steps include: causing the token to receive a third instruction in which it is removed from the first game device; In response to receiving the third instruction, the remaining funds in the first temporary account are transferred to the game account so that the game account includes the second funds; The steps include causing the token to receive a fourth instruction presented to the second game device, In response to the step of receiving the fourth instruction, the step of transferring at least a portion of the second funds from the game account to a second temporary account in the second game device, A step of determining the use of the game account based on the positions of the first game device and the second game device, A non-temporary, computer-readable recording medium that stores multiple instructions for performing the following actions, A device equipped with. [Second Appendix 14] When the plurality of instructions are executed by the computer device, at least one or more computer devices: A step of authenticating a user associated with the token relating to at least two different jurisdictional requirements, comprising the steps of authenticating at least one of age verification and address verification, In response to the step of receiving the second instruction, the steps include verifying that the user has been authenticated in accordance with the first jurisdictional requirements of the first gaming device, and notifying the first gaming device that the user has been authenticated in accordance with the first jurisdictional requirements, To have them do it, The apparatus described in Appendix 13 of the second section. [Second Appendix 15] When the plurality of instructions are executed by the computer device, at least one or more computer devices: In response to the step of receiving the fourth instruction, verify that the user has been authenticated in accordance with the second jurisdictional requirements of the first gaming device, and notify the second gaming device that the user has been authenticated in accordance with the second jurisdictional requirements. To have them do it, The apparatus described in Appendix 14 of the second section. [Second Appendix 16] The first jurisdictional requirement and the second jurisdictional requirement are different, The apparatus described in Appendix 15 of the second section. [Second Appendix 17] When executed by a computer device, the computer device, The steps include: causing a token to receive a first instruction associated with a game account, and, in response to receiving the first instruction, associating the token with the game account; The steps include: receiving funds into the aforementioned game account, and in response to receiving the funds, assigning the funds to the aforementioned game account; The steps include causing the token to receive a second instruction presented to the first game device, In response to receiving the second instruction, the steps include transferring at least a portion of the funds from the game account to a first temporary account in the first game device, The steps include: causing the token to receive a third instruction in which it is removed from the first game device; In response to receiving the third instruction, the remaining funds in the first temporary account are transferred to the game account so that the game account includes the second funds; The steps include causing the token to receive a fourth instruction presented to the second game device, In response to the step of receiving the fourth instruction, the step of transferring at least a portion of the second funds from the game account to a second temporary account in the second game device, A step of determining the use of the game account based on the positions of the first game device and the second game device, To cause multiple commands to be executed, A non-temporary, computer-readable recording medium that stores data. [Second Appendix 18] When the plurality of instructions are executed by the computer device, at least one or more computer devices: A step of authenticating a user associated with the token relating to at least two different jurisdictional requirements, comprising the steps of authenticating at least one of age verification and address verification, In response to the step of receiving the second instruction, the steps include verifying that the user has been authenticated in accordance with the first jurisdictional requirements of the first gaming device, and notifying the first gaming device that the user has been authenticated in accordance with the first jurisdictional requirements, To have them do it, A non-temporary computer-readable recording medium as described in Appendix 17 of the second document. [Second Appendix 19] When the plurality of instructions are executed by the computer device, at least one or more computer devices: In response to the step of receiving the fourth instruction, verify that the user has been authenticated in accordance with the second jurisdictional requirements of the first gaming device, and notify the second gaming device that the user has been authenticated in accordance with the second jurisdictional requirements. To have them do it, A non-temporary computer-readable recording medium as described in Appendix 18 of the second document. [Second Appendix 20] The first jurisdictional requirement and the second jurisdictional requirement are different, A non-temporary computer-readable recording medium as described in Appendix 19 of the second document.

Claims

1. A device comprising memory and at least one processor, The aforementioned at least one processor is To open a gaming account, the system detects the registration of a social security number. Detect registrations associated with payment information, Associate the aforementioned payment information with the aforementioned game account, Funds are allocated to the game account via the aforementioned payment information. Determine the location of the aforementioned device, It is determined that the location of the device is not associated with the game account. In response to determining that the device is not in the relevant location, the use of the funds for the game activity is prevented. It is determined that the location of the device is associated with the game account. In response to the device determining that it is in a location associated with the gaming account, it authorizes the use of the funds in the gaming account for the gaming activity. It is configured to Device.

2. The aforementioned payment information is associated with the credit card. The apparatus according to claim 1.

3. Further includes verifying the age associated with the aforementioned social security number. The apparatus according to claim 1.

4. The at least one processor is configured to use a global positioning system (GPS) to determine the location of the device. The apparatus according to claim 1.

5. The method further includes using triangulation to determine the location of the device. The apparatus according to claim 1.

6. Further including allowing the amount of funds to be transferred from the account associated with the aforementioned payment information. The apparatus according to claim 1.

7. The at least one processor is configured to render a graphical user interface that enables the registration of payment information. The apparatus according to claim 1.

8. The at least one processor is further configured to prevent excessive withdrawals from the account associated with the payment information. The apparatus according to claim 1.

9. The at least one processor is further configured to allow excessive withdrawals from the account associated with the payment information. The apparatus according to claim 1.

10. The at least one processor is further configured to prevent the game from running if the social security number is associated with a user who is below the age required to access the game activity. The apparatus according to claim 9.

11. A method that is executed by at least one processor, The aforementioned method, It detects the registration of a social security number to open a gaming account, Detect registrations associated with payment information, Associate the aforementioned payment information with the aforementioned game account, Funds are allocated to the game account via the aforementioned payment information. Determine the location of the device, It is determined that the location of the device is not associated with the game account. In response to determining that the device is not in the relevant location, the use of the funds for the game activity is prevented. It is determined that the location of the device is associated with the game account. In response to the device determining that it is in a location associated with the gaming account, it authorizes the use of the funds in the gaming account for the gaming activity. A method that includes the act of doing so.

12. The aforementioned payment information is associated with the credit card. The method according to claim 11.

13. Further includes verifying the age associated with the aforementioned social security number. The method according to claim 11.

14. The use of a Global Positioning System (GPS) to determine the location of the device further includes The method according to claim 11.

15. The method further includes using triangulation to determine the location of the device. The method according to claim 11.

16. Further including allowing the amount of funds to be transferred from the account associated with the aforementioned payment information. The method according to claim 11.

17. Further includes rendering a graphical user interface that enables the registration of the aforementioned payment information. The method according to claim 11.

18. Further includes preventing excessive withdrawals from the account associated with the payment information. The apparatus according to claim 11.

19. Further includes allowing excessive withdrawals from the account associated with the payment information. The method according to claim 11.

20. The further includes preventing the game from running if the social security number is associated with a user who is below the age required to access the game activity. The method according to claim 19.

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