US 11,669,815 B1
Financial transaction gateway systems and methods
Stephen L. Warner, Zephyr Cove, NV (US); Michael Sackrison, Reno, NY (US); and Shawn Quick, Reno, NV (US)
Assigned to AUTOMATED CASHLESS SYSTEMS, INC., Reno, NV (US)
Filed by AUTOMATED CASHLESS SYSTEMS, INC., Reno, NV (US)
Filed on Jul. 15, 2016, as Appl. No. 15/212,020.
Claims priority of provisional application 62/193,586, filed on Jul. 17, 2015.
Int. Cl. G06Q 40/02 (2012.01); G06Q 20/10 (2012.01)
CPC G06Q 20/102 (2013.01) [G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for processing a casino transaction, the system comprising:
an electronic funds transfer (EFT) terminal configured for processing the transaction, wherein the EFT terminal includes an EFT processor and an EFT memory, and wherein the EFT terminal is located in a first geographic area;
a gaming device including a controller and a gaming device processor, wherein the gaming device is located in the first geographic area, wherein the controller is communicatively coupled to the EFT terminal, and wherein the controller is configured to receive a request for funds;
a gaming gateway including a processor, memory, and a database, wherein the gaming gateway is located in a second geographic area and communicatively coupled to the controller, wherein the database includes a plurality of previous transaction data associated with a plurality of previous transactions;
wherein the gaming gateway memory includes a tangible, non-transitory, memory configured to communicate with the gaming gateway processor, wherein the tangible, non-transitory, memory having instructions stored thereon that, in response to execution by the gaming gateway processor, cause the gaming gateway processor to perform operations comprising:
receiving, by the gaming gateway processor, the request for funds that includes transaction details, wherein the transaction details include a patron identification, a geographic area, and a transaction type;
determining, by the gaming gateway processor, that the transaction type associated with the request for funds is casino gaming;
aggregating, by the gaming gateway processor, a subset of the plurality of previous transaction data, wherein the subset is associated with the patron identification;
aggregating, by the gaming gateway processor, a plurality of casino transaction requirements based upon the transaction type, wherein the plurality of casino transaction requirements further includes:
at least one rule from a group including casino regulatory rules, casino property rules, and casino problem gaming rules;
aggregating, by the gaming gateway processor based upon the first geographic area, from the casino transaction requirements at least one rule associated with the request for funds;
analyzing, by the gaming gateway processor, the transaction details associated with the request for funds and the subset of the plurality of previous transaction data associated with the patron identification;
comparing, by the gaming gateway processor, the transaction details associated with the request for funds and the subset of the plurality of previous transaction data associated with the patron identification to the casino transaction requirements;
determining, by the gaming gateway processor, that the request for funds satisfies the casino transaction requirements; and
submitting, by the gaming gateway processor, the request for funds to one of a plurality of payment processors via a financial gateway when the request for funds satisfies the casino transaction requirements.