US 12,412,211 B2
Mitigating line of credit risks of a gaming establishment credit system
Kevin Higgins, Reno, NV (US); and Jeffery Shepherd, Reno, NV (US)
Assigned to IGT, Las Vegas, NV (US)
Filed by IGT, Las Vegas, NV (US)
Filed on Nov. 28, 2023, as Appl. No. 18/521,481.
Application 18/521,481 is a continuation of application No. 17/118,118, filed on Dec. 10, 2020, abandoned.
Prior Publication US 2024/0104649 A1, Mar. 28, 2024
Int. Cl. G06Q 40/03 (2023.01); G07F 17/32 (2006.01)
CPC G06Q 40/03 (2023.01) [G07F 17/3237 (2013.01); G07F 17/3244 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A gaming establishment credit system comprising:
a processor; and
a memory device that stores a plurality of instructions that, when executed by the processor responsive to a receipt of data associated with a request to establish a gaming establishment line of credit of a first amount of funds exclusively accessible in association with a gaming establishment and following a user separately logging into a financial institution computing device and authorizing, independent of the processor interfacing with the financial institution computing device, a release of financial information associated with a financial account of the user maintained by the financial institution, cause the processor to:
receive, from the financial institution computing device and via an independently operating external funding system, the released financial information associated with the financial account, wherein the financial account is maintained independent of the processor, the financial information is distinct from any data associated with any credit check of the user and the financial institution is distinct from any credit reporting agency,
determine, based on the received financial information and without receiving any data associated with any credit check of the user determined by any credit reporting agencies computing devices, a parameter of the gaming establishment line of credit, and
responsive to a determination of a first parameter of the gaming establishment line of credit:
enable an activation of a first gaming establishment marker for up to the first amount of funds, and
responsive to the activation of the first gaming establishment marker in association with an electronic gaming machine, cause a transfer of fund data associated with at least part of the first amount of funds to modify a credit balance of the electronic gaming machine independent of any receipt of any physical item associated with any monetary value to modify the credit balance of the electronic gaming machine.