Token-Based Gaming Payment Transaction Tracking
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Solution Overview
Problem
Current cashless payment systems for gaming machines face challenges in tracking and managing spending limits without exposing sensitive payment information, which can lead to overspending and compliance issues for casinos.
Innovation Solution
A system that initiates payment-card transactions using a token instead of sensitive payment information, allowing for tracking of previous transactions to determine if spending limits are exceeded, presented via a display, and permits or rejects transactions accordingly.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If payment card information is tracked for spending limit management, then responsible gaming and spending control are improved, but sensitive payment data exposure and regulatory compliance burden increase
Solution Approach 1:
The patent introduces a token as an intermediary element that represents the payment card in the gaming system. The token contains a tokenized version of the payment card number and spending limit information, allowing the system to track and enforce spending limits without exposing the actual sensitive payment card data. This mediator approach resolves the contradiction by enabling spending limit management while protecting sensitive information.
Solution Approach 2:
The system creates a copy of the payment card information in the form of a token that contains essential spending limit data but not the full sensitive payment card number. This copy allows the gaming system to perform spending limit checks and tracking without handling or exposing the original sensitive payment information, thus maintaining reliability while reducing data exposure risks.
2Object-affected harmful factors
If token-based payment system is implemented, then sensitive data protection is improved, but system complexity and implementation cost increase
Solution Approach 1:
The token serves as a simplified intermediary that encapsulates complex payment security requirements into a single data structure. Rather than implementing complex encryption and data protection systems throughout the gaming infrastructure, the token provides a straightforward mechanism for protecting sensitive data while maintaining system functionality.
Solution Approach 2:
The token is designed as a lightweight, easily generated data structure that can be created and discarded without significant cost or complexity. Unlike implementing comprehensive security infrastructure, the token approach uses simple, disposable representations of payment information that reduce overall system complexity while maintaining security.
3Ease of operation
If anonymous payment card usage is allowed, then player convenience and ease of operation are improved, but tracking for spending limit enforcement becomes difficult
Solution Approach 1:
The token creates a copy of the payment identification information that enables tracking without requiring anonymous usage. The tokenized payment card number allows the system to identify and track transactions for spending limit enforcement while still providing the convenience of direct payment card usage at the gaming machine.
Solution Approach 2:
The token system establishes a feedback loop where each transaction is tracked using the token, allowing the system to monitor cumulative spending against limits. This feedback mechanism ensures that anonymous-style convenience does not compromise spending limit enforcement, as the system continuously tracks and reports on spending patterns.
Data Source
AI summary
A system and method(s) for tracking gaming payment-card transactions using a token is described. A method, for instance, includes initiating, via a player interface device, a payment-card transaction to purchase game credits for use at a gaming machine. The method further includes obtaining, from a payment terminal in response to initiating the payment-card transaction, a token that replaces sensitive payment-card information. The method further includes determining, in response to obtaining the token, a previous use of the token, via a gaming network, for previous payment-card transactions that occurred via the gaming network within a given period. The method further includes determining, in response to determination of the previous use of the token, whether a spending limit, for a player account associated with the token, would be exceeded by an amount of the payment-card transaction, and further presenting, via a display, an indication of whether the spending limit would be exceeded.