(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2008/0113776 A1
`Sommer
`(43) Pub. Date:
`May 15, 2008
`
`US 2008O1 13776A1
`
`(54) MULTIPLE ACCOUNT FUNDS TRANSFER IN
`AWAGERING ENVIRONMENT
`
`John Sommer, Reno, NV (US)
`(75) Inventor:
`Correspondence Address:
`STEPTOE & JOHNSON, LLP
`2121 AVENUE OF THE STARS, SUTE2800
`LOS ANGELES CA 90067
`9
`9
`BALLY GAMING INC. L.
`Vegas, NV (US) 9
`, LaS
`s
`11A938,242
`9
`
`:
`73) Assi
`(73)
`SS1ginee
`
`21) Appl. No.:
`(21) Appl. No
`1-1.
`(22) Filed:
`
`Nov. 9, 2007
`O
`O
`Related U.S. Application Data
`(60) Provisional application No. 60/865,528, filed on Nov.
`13, 2006.
`
`Publication Classification
`
`(51) Int. Cl.
`(2006.01)
`A63F 9/24
`(52) U.S. Cl. .......................................................... 463/25
`(57)
`ABSTRACT
`
`-
`There is disclosed a system, apparatus, and method for cash
`less gaming. A casino-issued player code is received from a
`gaming server. A request from the gaming device is received
`at the gaming server to withdraw a first amount of funds from
`a first account of a first financial and a second amount of funds
`from a second account of a second financial institution. The
`request includes a password. The password is verified. The
`account numbers are identified with the casino issued player
`codes. The account numbers are not communicated via the
`gaming device. Withdrawal transactions with the financial
`institutions are initiated based on the account numbers. The
`funds are received in a player account associated with the
`casino-issued player code. The funds are converted to credits.
`The credits are transferred to the gaming device.
`
`Casino System Context Diagram with Cashless Banking
`
`Slot Management
`System
`(SMS)
`
`Deposits
`Withdrawals
`
`Deposits
`Withdrawals.
`
`Deposits
`Withdrawals
`
`Casino
`Management
`System (CMS)
`
`Deposits Withdrawals
`Account Management
`
`Logging/Event
`Activity Service
`
`Transaction
`Logging
`
`Deposits
`
`Power Bank
`CaShless Service
`
`Gaming Device
`(iView, GMU, G2S)
`Withdrawals
`
`Authenticated
`Users Access
`Control
`
`User/Aplication
`Authentication
`Service
`
`Transaction
`Details
`
`Parameterized
`Reports
`
`Audited
`Transactions
`
`
`
`
`
`Reporting
`Service
`
`Auditing Service
`
`PatrOn
`Information
`
`PatrOn Service
`
`EVERI EX. 1006; Page 1
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication May 15, 2008 Sheet 1 of 8
`
`US 2008/O113776 A1
`
`Casino System Context Diagram With Cashless Banking
`
`Slot Management
`System
`(SMS)
`
`
`
`Deposits
`Withdrawals
`
`Deposits
`Withdrawals
`
`Deposits
`Withdrawals
`
`Casino
`Management
`System (CMS)
`
`Deposits Withdrawals
`Account Management
`
`
`
`Transaction
`Logging
`
`
`
`Logging/Event
`Activity Service
`
`POWer Bank
`CashleSS Service
`
`Deposits
`
`Gaming DeVice
`(iView, GMU, G2S)
`Withdrawals
`
`Authenticated
`User:S Access
`Control
`
`PatrOn
`Information
`
`USer/Aplication
`Authentication
`Service
`
`Transaction
`Details
`
`Audited
`Transactions
`
`Parameterized
`Reports
`
`O
`PatrOn Service
`
`
`
`Reporting
`Service
`
`Auditing Service
`
`FIG, 1A
`
`EVERI EX. 1006; Page 2
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication May 15, 2008 Sheet 2 of 8
`
`US 2008/O113776 A1
`
`F.G. 1B
`
`System Architecture Block Diagram
`
`
`
`Pete's
`hasisef
`
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`it's
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`Services ...si
`
`
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`sliding serve
`«
`
`-XXXX::XXXXXXX-XXXXxx-xx-xx-x-x-xx-x-xx-xx.xxwww.www.www.www.www.www.www.www.www.www.www.www.Mrx wrox
`
`
`
`
`
`
`
`
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`33:listist
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`x·xtortin-wooooooooooooooooooooooooooowoooooooooo
`
`EVERI EX. 1006; Page 3
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication
`
`May 15, 2008 Sheet 3 of 8
`
`US 2008/O113776 A1
`
`
`
`ZAZAZAZ/
`y/7
`A ()
`
`EVERI EX. 1006; Page 4
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication May 15, 2008 Sheet 4 of 8
`
`US 2008/0113776A1
`
`102
`
`104
`
`Receive player identifier
`
`Receive multiple account
`Withdrawal request
`
`110
`
`106
`
`Remedia/action
`
`Verify passWord
`2
`
`
`
`WO
`
`Yes
`
`Identify account numbers
`
`108
`
`112
`
`Initiate Withdrawals With multiple
`financia/ institutions
`
`114
`
`116
`
`118
`
`Receive funds into
`player account
`
`Convert funds to Credits
`
`Transfer Credits to
`gaming device
`
`FIG 2
`
`EVERI EX. 1006; Page 5
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication May 15, 2008 Sheet 5 of 8
`
`US 2008/011377.6 A1
`
`102
`
`Receive player identifier
`
`Jackpot Win
`(G) gaming
`device
`2
`
`Send offer to purchase goods
`With funds from jackpot and
`multiple accounts
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Offer accepted
`2
`
`
`
`Yes
`
`110
`
`106
`
`Remedial action
`
`NO
`
`108
`
`Yes
`
`Identify account numbers
`
`112
`
`114
`
`220
`
`Initiate Withdra Wals. With
`multiple financial institutions
`
`Receive funds into player account
`
`Transfer funds to seller of goods
`
`FIG 3
`
`AF
`
`EVERI EX. 1006; Page 6
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication May 15, 2008 Sheet 6 of 8
`
`US 2008/O113776 A1
`
`102
`
`FIG, 4
`
`
`
`
`
`
`
`
`
`
`
`Jackpot Win
`Gigaming
`device
`2
`
`206
`Send offer to purchase goods With funds from
`jackpot and multiple accounts
`
`Offer
`accepted
`2
`
`Yes
`
`110
`
`106
`
`Remedia/
`aCtion
`
`Wo
`
`108
`
`
`
`2 11
`
`Yes
`Identify account numbers
`
`Initiate Withdrawals With
`multiple financial institutions
`
`
`
`
`
`
`
`
`
`302
`
`Withdra Wals
`approved
`
`
`
`11 4
`
`220
`
`Yes
`Receive funds into player account
`
`Transfer funds to Seller of goods
`
`Send offer to gaming device to
`purchase goods With funds from
`jackpot and 3rd account
`
`EVERI EX. 1006; Page 7
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication May 15, 2008 Sheet 7 of 8
`
`US 2008/O113776 A1
`
`102
`
`404
`
`Receive player identifier
`
`Receive request to deposit funds from
`player account to multiple accounts at
`financial institutions
`
`
`
`
`
`Remedial action
`
`Verify passWord
`2
`
`
`
`NO
`
`410
`
`Yes
`
`Initiate deposit transactions
`
`412
`
`414
`
`416
`
`Convert Credits to funds
`
`Transmit funds to financial institutions
`
`FIG, .5
`
`EVERI EX. 1006; Page 8
`Everi v. Sightline IPR2022-00707
`
`

`

`Patent Application Publication May 15, 2008 Sheet 8 of 8
`
`US 2008/O113776 A1
`
`102
`
`
`
`Receive player identifier
`
`
`
`204
`
`
`
`Jackpot Win
`@gaming
`device
`2
`
`
`
`
`
`Jackpot Win >
`total balance
`OWed on players
`aCCOUnts
`2
`
`508
`
`
`
`
`
`Send offer to gaming device to
`transfer funds from jackpot to
`Satisfy balance on accounts
`
`FIG 6
`
`EVERI EX. 1006; Page 9
`Everi v. Sightline IPR2022-00707
`
`

`

`US 2008/01 1377.6 A1
`
`May 15, 2008
`
`MULTIPLE ACCOUNT FUNDS TRANSFER
`IN A WAGERING ENVIRONMENT
`
`CROSS-REFERENCE TO RELATED
`APPLICATIONS
`0001. This application claims the benefit of U.S. Provi
`sional Application No. 60/865,528, filed Nov. 13, 2006,
`which is herein incorporated by reference in its entirety.
`
`COPYRIGHT NOTICE
`0002. A portion of the disclosure of this patent document
`contains material that is Subject to copyright protection. The
`copyright owner has no objection to the facsimile reproduc
`tion by anyone of the patent document or the patent disclo
`sure, as it appears in the Patent and Trademark Office patent
`files or records, but otherwise reserves all copyright rights
`whatsoever.
`
`BACKGROUND
`0003. The gaming industry has long embraced network
`ing electronic gaming devices via a central computer. In
`many gaming establishments, players register demographic
`information for tracking purposes and obtain a player card.
`Typical player cards include a unique identifier issued by the
`gaming establishment. Use of the identifier enables the
`casino to centrally track the players wagering activity.
`Applying the player's historic activity, the gaming estab
`lishment can develop a targeted marketing campaign includ
`ing promotions, gifts, and advertisements.
`0004 Additionally, the player card can be enabled for
`cashless gaming. In a cashless gaming environment, the
`player can deposit funds at a designated Station or device,
`and have funds be automatically transferred to a player
`account. With this benefit, the player can avoid carrying
`large amounts of currency from machine to machine and
`from casino to casino. In like manner, when the player
`desires to cash out, the player can go to a corresponding
`station or see a cashier.
`0005 Referring to FIGS. 1A, 1B, and 1C, there are
`shown embodiments of system architectures for a cashless
`gaming environment. The gaming environment includes
`gaming servers, labeled as Power Bank elements for con
`venience purposes. The gaming server described herein may
`store patron (also referred to as player) funds in a secure and
`reliable fashion. The gaming server may be utilized with
`various components and services connected with a casino
`management System (a system for managing accounting of
`casino operations) and/or a slot management system (a
`System for managing accounting, Vouchering, and player
`tracking of wagering activity).
`
`SUMMARY
`0006 Briefly, and in general terms, disclosed herein are
`systems, servers, and methods for cashless gaming. In one
`embodiment, a casino-issued player code is received from a
`gaming device at a gaming server. The gaming server also
`receives a request from the gaming device to withdraw a first
`amount of funds from a first account of a first financial
`institution and a second amount of funds from a second
`account of a second financial institution. The request
`includes a password that is used for Verification purposes. A
`first account number of the first financial institution and the
`second account number of the second financial institution
`
`are identified with at least the casino-issued player code.
`However, the first account number and the second account
`number are not communicated via the gaming device. With
`drawal transactions are initiated with the financial institu
`tions based at least on the respective account numbers. The
`funds are received in a player account associated with the
`casino-issued player code, converted to credits, and trans
`ferred as credits to the gaming device.
`0007. In another embodiment, an identifier is received
`from a gaming device at a gaming server. The identifier is
`issued by an intermediary. The gaming server also receives
`a request from the gaming device to withdraw a first amount
`of funds from a first account at a first financial institution and
`a second amount of funds from a second account at a second
`financial institution. The request includes the identifier and
`a password, wherein the password is verified. Again, the first
`account number associated with the first account and a
`second account number associated with the second account
`are not communicated via the gaming device. Subsequently,
`the intermediary is requested to initiate withdrawal transac
`tions with the financial institutions, wherein the identifier is
`transferred from the gaming server to the intermediary.
`0008. In another embodiment, a casino-issued player
`code is received from a gaming device at a gaming server,
`wherein the casino-issued player code is associated with an
`identifier issued by an intermediary. The gaming server also
`receives a request from the gaming device to deposit a first
`amount of funds to a first account at a first financial
`institution and a second amount of funds to a second account
`at a second financial institution, wherein the request includes
`a password, and the password is verified. However, a first
`account number associated with the first account and a
`second account number associated with the second account
`are not communicated via the gaming device. In one
`embodiment, the intermediary causes the initiation of a
`deposit transaction with the financial institutions, also
`receiving the identifier from the gaming server to the inter
`mediary. In another embodiment, a player account associ
`ated with the casino-issued player code receives credits from
`the gaming device, converts the credits to funds, and trans
`fers the funds to the accounts.
`0009. Other features and advantages of the claimed
`invention will become apparent from the following descrip
`tion when taken in conjunction with the accompanying
`drawings, which illustrate by way of example, the features
`of the claimed invention.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`0010 FIG. 1A is diagrammatic representation of a gam
`ing server as part of a casino system context;
`0011
`FIG. 1B is a diagrammatic representation of a
`gaming system architecture for cashless gaming;
`0012 FIG. 1C is a diagrammatic representation of a
`gaming server as part of a network;
`0013 FIG. 2 is a flow chart of one embodiment of
`transferring funds from multiple accounts at financial insti
`tutions to a player account in a gaming environment;
`0014 FIG. 3 is a flow chart of one embodiment including
`sending an offer from a gaming server to a gaming device to
`purchase a goods with funds from multiple accounts and a
`jackpot;
`
`EVERI EX. 1006; Page 10
`Everi v. Sightline IPR2022-00707
`
`

`

`US 2008/01 1377.6 A1
`
`May 15, 2008
`
`0015 FIG. 4 is a flow chart of another embodiment
`including sending an offer from a gaming server to a gaming
`device to purchase a goods with funds from multiple
`accounts and a jackpot;
`0016 FIG. 5 is a flow chart of one embodiment of
`transferring funds to multiple accounts at financial institu
`tions from a player account in a gaming environment; and
`0017 FIG. 6 is a flow chart including sending an offer to
`a gaming device to transfer funds from a jackpot to satisfy
`a balance on multiple accounts.
`
`DETAILED DESCRIPTION
`
`0018) VIP lounges and exclusive high roller clubs fea
`turing high minimum wagers, player tracking, and cashless
`gaming via electronic credits have become very popular.
`Players may have an inclination to transfer funds from many
`of their accounts (e.g., checking, savings, credit card, debit
`card, ATM card, and bank card) to their player account in
`order to fund a wager or purchase a goods.
`0019. In general, goods refer to tangible, movable, per
`Sonal property. For example, front row seats to a premiere,
`an aged prime rib, and a brand new car are all considered
`goods. An account is the Sum of the assets deposited in the
`common assets of a financial institution or another entity,
`e.g., a casino or other gaming establishment, wherein the
`assets are subject to withdrawal at the option of the deposi
`tor, e.g., the player.
`0020. A financial institution is an organization that pro
`vides branded financial services to customers. Such as
`checking, savings, ATM, debit card, banking card, and credit
`card services. The term funds relates to money and other
`assets that are electronically traded for in real time, e.g.,
`stocks and bonds. As such, this feature provides an addi
`tional avenue of funding wagers to players comfortable with
`non-currency, non-credit liquid funds.
`0021
`Preliminarily, a player registers demographic infor
`mation with a gaming establishment and is issued a player
`identifier. The player identifier may provide the player with
`eligibility for certain promotional opportunities in exchange
`for the ability for the gaming establishment to track the
`player's wagering activity. Moreover, the player identifier
`may be used to facilitate cashless gaming, as will be further
`described herein.
`0022 First, a player logs in to an electronic wagering
`system by presenting a player identifier a gaming device.
`The player may present the identifier by Swiping a player
`card, entering an alphanumeric code via a keypad, using a
`biometric input device, or other input device. By logging-in
`at the gaming device, the gaming device establishes a
`gaming session with the player based on the player's iden
`tifier.
`0023 Gaming devices are electronic devices that provide
`for wagering games such as poker, blackjack, and other
`games of chance, skill, or combinations therein, typically in
`a networked environment. Gaming devices refer to stand-up
`machines, cabinet, tabletop, bar top, handheld devices, inte
`grated with mobile phones, Software plugins such as a java
`applet, any of which are configured to Support, at least in
`part a wagering game.
`0024. Information security can be implemented across
`many levels of the embodiments disclosed herein. During
`the login process, a password may be required. Password
`verification may be the gatekeeper for access to various
`
`account information. A password is an alphanumeric string
`required for access to a particular application and/or system.
`0025 Referring now to the drawings, wherein like ref
`erence numerals denote like or corresponding parts through
`out the drawings and, more particularly to FIGS. 2-6, there
`are shown various embodiments of transferring funds
`between multiple accounts at financial institutions and a
`player account in a gaming environment. More specifically,
`as shown in FIG. 2, there is shown an embodiment of
`transferring funds from multiple accounts at financial insti
`tutions to a player account at a gaming establishment.
`0026. For tracking purposes, the gaming server receives
`the player identifier from the gaming device (step 102). The
`term receive refers to the gaming device being the recipient
`of a network communication from another device, e.g., the
`gaming server, whether directly or indirectly. Thus, the
`gaming server will be able to monitor Subsequent activity of
`the player at the gaming device based on the player identi
`fier. With the information collected, the gaming establish
`ment can determine if and when a promotion, gift, or
`advertisement should be offered or presented to the player.
`0027. A server is a networked computer for providing
`other networked computers access to files, and/or peripher
`als. In general, a server will have a processor, a memory, and
`a storage device. The processor is the component of a system
`that performs the basic operations of the system including
`processing of data, exchange of data with memory or
`peripherals, and management of the system's other compo
`nents. The memory is a computing component to and from
`data and/or executable code can be written to and extracted
`from. The storage device is a device for storing information.
`0028 Next, the player may fund their player account.
`However, identity theft and credit card fraud has become a
`mainstream concern. As such, many players prefer not to
`carry anything which includes credit card information, even
`if unmarked. Therefore, the embodiments described herein
`provide layers of security and degrees of separation between
`the player identifier and the accounts. In other words, the
`player identifier does not disclose any personal information
`to common thief which would yield any value. In fact, there
`is no account, no account number, no financial institution
`information embedded, encrypted or otherwise in the player
`identifier. Therefore, the player identifier is truly disposable
`and can be canceled at the will of the player or the casino.
`0029. However, as a prerequisite to completing a funds
`transfer, the player may register their accounts with the
`gaming establishment or an agent of the gaming establish
`ment. By registering their accounts with the gaming estab
`lishment, the gaming establishment can securely store the
`account number and the financial institution associated with
`the account on a secure server in a database in association
`with the player identifier. In fact, the secure server can
`physically be a separate server than the gaming server. The
`secure server can have a Sophisticated encryption policy, and
`can be off-site from the gaming establishment, all practicing
`a responsible level of security.
`0030. In a single request or transaction at the gaming
`device, the player can request funds to be transferred from
`one or more accounts at one or more financial institutions to
`their player account. Because the gaming server stores
`account number and financial institution information related
`to the player identifier, no personal information is disclosed
`via the gaming device. As such, a table (see Table 1, below)
`
`EVERI EX. 1006; Page 11
`Everi v. Sightline IPR2022-00707
`
`

`

`US 2008/01 1377.6 A1
`
`May 15, 2008
`
`may be presented to the player wherein the player can input
`a requested amount of funds to be transferred or withdrawn
`from each account name.
`
`TABLE 1.
`
`Account Name
`
`Balance
`
`Withdrawal
`
`Chase 1
`Citibank 1
`Wells Fargo 1
`Total
`
`$1,000.00
`S2,000.05
`$3,050.11
`$4,050.16
`
`S
`S
`S
`S
`
`0031. To further enhance security, the player may be
`required to enter the password associated with the player
`identifier concurrent with the request. In another embodi
`ment, the gaming device can be configured to prompt the
`player for a password in response to the request. Next, the
`gaming server receives the multiple account withdrawal
`requests from the gaming device via the network (step 104).
`0032. As an additional security feature, at least the pass
`word can be authenticated. For example, the gaming device,
`the gaming server, or an independent third party can authen
`ticate the password in combination with the player identifier
`to enhance security (step 106). In addition, the players
`driver's license or social security number could also be
`authenticated as additional measures of security. In one
`embodiment, the player's driver's license or social security
`number can be prompted Such that the player is required to
`enter the information or enter the last several digits of the
`information, Swipe a card, or other data entry. In turn, if the
`player accidentally uses the wrong person’s player card or a
`person attempts to steal Someone else’s card, a remedial
`action can be taken (step 110).
`0033. Upon verification of the password, the gaming
`server identifies the account numbers relevant to the multi
`account withdrawal request of step 104. The gaming server
`identifies the account numbers by associating the player
`identifier, via a secure relational database, with the respec
`tive account numbers and financial institutions of the request
`(step 108). The sensitive information, account numbers and
`financial institution information, can be maintained off-site
`from the financial institution in an encrypted format that
`would be computationally infeasible for the general com
`munity to decrypt. Thus, an added layer of security can be
`provided.
`0034. Using the account numbers identified in step 108,
`the gaming server initiates withdrawal transactions with
`each of the financial institutions, pursuant to the multi
`account withdrawal request (step 112). The gaming server
`may provide additional sensitive information to each of the
`financial institutions, for example, social security number
`information, for further security enhancements. Moreover,
`all sensitive communications can be transmitted in a secure,
`encrypted form, e.g., an industry standard IFX protocol.
`0035. By following an industry standard protocol, the
`gaming establishment enables a variety of transaction types
`including credit, EFT, and other transactions. Assuming the
`financial institutions approve the transactions of step 112,
`the funds are transferred to the gaming server, more spe
`cifically into the player account (step 114). Typically, the
`player account is associated with the player identifier and
`resides on the gaming server, but may be stored on another
`server. The funds transferred to the player account are then
`converted to credits (step 116) and transferred as credits to
`
`the gaming device (step 118) for game play. However, some
`embodiments may allow currency equivalents to be wagered
`directly at the gaming device.
`0036. In another embodiment (not shown), some juris
`dictions may require an independent transaction from the
`funds transfer for the credit transfer. In such an embodiment,
`the player may first request the withdrawal from multiple
`accounts to the player account, and then request a transfer of
`credits from the player account to the gaming device.
`0037 Recently, gaming establishments have focused on
`promoting responsible gaming. By promoting responsible
`gaming, it is more likely that players will visit gaming
`establishments, return to gaming establishments, and rec
`ommend gaming establishments to their peers.
`0038. One responsible gaming feature includes periodi
`cally or continuously displaying to the player the amount of
`funds, by account, that have been transferred from the
`financial institutions to the gaming environment. Further, the
`balance of the player's multiple accounts can be displayed at
`the gaming device as well. Moreover, this information may
`be displayed on demand at the desire of the player. With this
`information, the player will have the most current informa
`tion as to what quantity of funds the player has transferred,
`lost, and/or gained. Thus, the player can make a responsible
`decision whether they should transfer additional funds for
`purchases and/or wagers.
`0039. In another embodiment (not shown), additional
`layers of security may be implemented. Financial transac
`tions between the gaming establishment and the financial
`institution may be processed by a third party financial
`transaction provider, also known as an agent or an interme
`diary.
`0040. The term “financial transaction provider” means a
`creditor, credit card issuer, financial institution, operator of
`a terminal at which an electronic fund transfer may be
`initiated, money transmitting business, or international,
`national, regional, or local payment network utilized to
`effect a credit transaction, electronic fund transfer, stored
`value product transaction, or money transmitting service, or
`a participant in Such network, or other participant in a
`designated payment system.
`0041. The intermediary maintains a secure database. The
`database may include records of accounts, account numbers,
`financial institutions, identifiers issued by the intermediary,
`and player identifiers. Thus, instead of gaming establishment
`maintaining the account number and financial institution
`information of the player, the intermediary maintains this
`personal information. Further, by being at least one step
`removed, the risk of the gaming establishment being
`accused of falsely or mistakenly processing a transaction
`against a player's account is reduced. The fact that an
`uninterested third party acts as an intermediary may bring a
`greater sense of comfort to both the gaming establishment
`and the player. Additionally, the presence of an uninterested
`third party can reduce potential account disputes.
`0042. For the transactions described in the embodiment
`of FIG. 2, wherein the gaming server transacted with the
`financial institution, the intermediary interacts with the
`financial institution and transfers the funds to the gaming
`server. The following steps (a)-(m) illustrate the embodi
`ment with the intermediary:
`0043 (a) a player registers with the gaming establishment
`and receives a player identifier, but does not provide their
`account information to the gaming establishment;
`
`EVERI EX. 1006; Page 12
`Everi v. Sightline IPR2022-00707
`
`

`

`US 2008/01 1377.6 A1
`
`May 15, 2008
`
`0044 (b) the player registers their account information
`and the player identifier with the intermediary and receives
`an identifier issued by the intermediary:
`0045 (c) the player logs-in at a gaming device with the
`identifier issued by the intermediary:
`0046 (d) the player issues a single request to withdraw
`funds from multiple accounts at 3 different financial insti
`tutions by identifying Citibank S100, Chase $200, Wells
`Fargo S300 and entering a single password associated with
`the identifier issued by the gaming establishment at the
`gaming device;
`0047 (e) the single request is received at the gaming
`server;
`0048 (f) the gaming server causes the password to be
`verified;
`0049 (g) the gaming server transfers the request to the
`intermediary;
`0050 (h) the intermediary looks up the account numbers
`associated with Citibank, Chase, and Wells Fargo based on
`the identifier issued by the intermediary:
`0051
`(i) the intermediary processes the withdrawal trans
`action with the financial institutions;
`0052 () the intermediary transfers the funds to the
`gaming server,
`0053 (k) the gaming server receives the funds to the
`player account associated with the player identifier,
`0054 (1) the funds are converted to credits; and
`0055 (m) the credits are transferred to the gaming device
`for game play.
`0056. In some jurisdictions, funds are kept separate from
`the gaming devices. As such, in those jurisdictions, the
`conversion step, (1), is completed at the server.
`0057 Referring now to FIG. 3, there is shown another
`embodiment of a method of transferring funds from multiple
`accounts at financial institutions to a player account at a
`gaming establishment. Similar to the embodiment of FIG. 2,
`a player logs-in to an electronic wagering system via a
`gaming device, wherein the gaming server receives the
`player identifier (step 102).
`0058. The gaming server then monitors each game at the
`gaming device to determine if a jackpot has been won by the
`player (step 204). The term jackpot refers, in general, to an
`impressive unexpected prize. For example, with regard to
`slots, a jackpot is one or a plurality of high value prizes over
`a predetermined threshold. With regard to poker, the jackpot
`may be a progressive pool or a top hand. With an impressive
`win comes excitement, and many times, a player is willing
`to make an impulse purchase. Thus, if a jackpot above a
`predetermined threshold has been won, an offer can be sent
`from the gaming server to the gaming device for the player
`to purchase goods with funds from multiple accounts and the
`jackpot (step 206). However, in another embodiment, an
`offer may be provided randomly, on a predetermined sched
`uled basis, or based solely on demographics and indepen
`dent of the jackpot.
`0059. The selection of a goods presented in the offer may
`be demographically targeted, based on wagering history,
`and/or based on a random association with the player
`identifier. The gaming establishment may maintain its own
`set of demographic data and/or utilize a third party source
`for behavioural marketing information. The selection of a
`goods may be at a value Such that a person would not
`normally purchase the goods, but in combination with the
`funds from the jackpot would.
`
`0060. One way of encouraging the player to act sponta
`neously is to set an expiration on the offer. For example, the
`offer may expire in 1 minute, or when the next wager is
`placed. Thus, the gaming server monitors whether the offer
`is accepted at the gaming device (step 208). If the player
`accepts the offer at the gaming device, steps 108, 112, and
`114 proceed similar to the embodiment as described with
`regard to that of FIG. 2:
`0061
`(a) the gaming server validates the password (step
`106):
`0062 (b) the gaming server identifies the account num
`bers by associating the player identifier with the account
`number and financial institution via the secure database (step
`108);
`0063 (c) the gaming server initiates multiple withdrawal
`transactions with financial institutions based on the multiple
`withdrawal offer/acceptance of steps 206/208 (step 112); and
`0064 (d) the gaming server receives funds into the player
`account (step 114).
`0065. Finally, the gaming server completes the purchase
`transaction by transferring the funds to the seller of the
`goods (step 220) and enabling the player to have access to
`a voucher or other credit for the goods.
`0.066
`Referring now to FIG. 4, there is shown another
`embodiment of a method of transferring funds from multiple
`accounts at financial institutions to a player account at a
`gaming establishment. FIG. 4 depicts a modification of the
`embodiment of FIG. 3 when a withdrawal request for the
`purchase is denied.
`0067. Following step 112 where the gaming server ini
`tiates a plurality of withdrawal transactions, the gaming
`server monitors whether the withdrawal transactions are
`approved (step 302). If a withdrawal transaction with a
`financial institution is denied, then the gaming server can
`send another offer to the player via the gaming device to
`purchase the goods with funds from the jackpot and a
`plurality of accounts including an additional account (step
`304). For