Transfer verification of mobile payments

• US 10,726,668 B2
• Filed: 03/01/2013
• Issued: 07/28/2020
• Est. Priority Date: 03/01/2013
• Status: Active Grant

• Current Assignee: IGT (International Game Technology)
• Original Assignee: IGT (International Game Technology)
• Inventors: Nelson, Dwayne R., Lemay, Steve G.
• Primary Examiner(s): Jasmin, Lynda
• Assistant Examiner(s): Lindsey, III, Johnathan J
• Application Number:
  US13/782,502
• Publication Number:
  US 20140248941A1
• Time in Patent Office: 2,706 Days
• Field of Search: 463 25, 463 16, 463 29, 705 35, 705 39, 705317
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G07F 17/3206 Player sensing means, e.g. presence detection, biometrics
• CPC Class Codes: G07F 17/3218 wherein at least part of the system is portable
• CPC Class Codes: G07F 17/3241 Security aspects of a gaming system, e.g. detecting cheating, device integrity, surveillance computer security G06F21/00

Abstract

A gaming system sends a transfer verification message containing mobile payment transfer information for providing the transfer verification for completion of a mobile payment transfer, wherein an audit trail is maintained.

Claims

1. A method for transfer verification of mobile payments in a gaming system in a gaming network in order for gaining a player'"'"'s confidence performed by one or more processors, the method comprising:

receiving a permission request to access the gaming network from a personal electronic device (PED);

requesting, as part of a user login process for the gaming network, the PED to provide to the gaming network a plurality of security protocols for gaining access to a gaming network, wherein the plurality of security protocols includes at least biometric data, player account information associated with the private, secured gaming network, and a plurality of user profile data required by the gaming network;

performing and verifying the plurality of security protocols for gaining access to the gaming network, via a gaming network server in the gaming network, governed by a regulatory gaming commission, wherein an encrypted digital security key is provided to the PED during the performing and verifying;

following a successful completion of the user login process, granting to the PED access to the gaming network upon receiving, via a service window application displayed within a service window of an electronic game machine (EGM), the encrypted digital security key, wherein the service window application enables the EGM to communicate with a bill acceptor to simulate bills and tickets;

sending, via the service window application of the EGM to the PED subsequent to performing and verifying the plurality of security protocols relating to the PED that provided the biometric data, player account information associated with the gaming network, and the plurality of user profile data required by the gaming network via the PED, a transfer verification message containing a mobile payment transfer information, the encrypted digital security key provided by a gaming network server, an EGM identifier, an EGM serial number, and a geolocation comprising a physical location within a gaming venue of an EGM in the transfer verification message for providing the transfer verification for completion of a mobile payment transfer between the PED and the EGM employing the service window, wherein the transfer verification is sent to the PED only within the private, secured gaming network comprising an Intranet of the gaming venue such that the player must be physically located within the gaming venue, be logged in with the gaming network, and have the PED connected with the gaming network to receive the transfer verification message on the PED, and wherein the service window application displayed within the service window of the EGM is further displayed within the PED and the service window application is controlled and operated by the gaming network server in communication with the EGM such that the player simultaneously views a representative mirror image of the service window application displayed within the service window of the EGM on a display of the PED thereby enabling the player to confirm, in real-time, the EGM identifier, the EGM serial number, and the geolocation in both the service window of the EGM and the transfer verification message; and

requesting an approval of the mobile payment transfer that is associated with the transfer verification message such that the approval trusts the mobile payment transfer via the service window application and an audit trail is maintained through the service window application of the EGM.

2. The method of claim 1, further including communicating the transfer verification message to the PED via one of a plurality of communication channels in a networking environment.

3. The method of claim 2, further including providing bi-directional communication between the PED and the EGM.

4. The method of claim 1, further including sending the transfer verification message as an email.

5. The method of claim 1, further including sending the transfer verification message as a short message service (SMS) text message.

6. The method of claim 1, further including issuing the transfer verification message upon a player of a gaming device performing a cash out operation.

7. The method of claim 1, further including:

resolving disputes according to the transfer verification message relating to the mobile payment transfer,

providing the transfer verification message for accounting and taxing related purposes, and

disputing fraudulent use of the PED according to the transfer verification message.

8. The method of claim 1, further including notifying a player of a current account balance of a player wagering account in the transfer verification message.

9. The method of claim 1, further including performing one of:

providing one or more instructions for using a biometric sensor associated with the PED for capturing the biometric data,

capturing the biometric data to be included and used in the transfer verification message,

providing an indication that the biometric data that is verified and instructions to use the biometric data to login to the gaming network and the EGM,

using the transfer verification message for performing the mobile transfer to and from the EGM,

including the biometric data in the transfer verification message, and

including the encrypted digital security key in the transfer verification message.

10. The method of claim 1, further including notifying a player via the transfer verification message of a fraudulent mobile transfer upon one of the PED and player account information being one of stolen and lost.

11. The method of claim 1, further including, for preforming the mobile payment transfer, performing one of:

electronically transferring money to the EMG from the PED, and

electronically transferring money to the PED from the EGM.

12. The method of claim 1, further including using money from one of a financial institution and a player wagering account for the mobile payment transfer.

13. The method of claim 1, further including sending the transfer verification message in conjunction with requesting an approval of the mobile payment transfer.

14. A system for transfer verification of mobile payments in a gaming system in a gaming network in order for gaining a player'"'"'s confidence, the system comprising:

the gaming system having a gaming network having at least one central processor device and one or more memory operable in the gaming system;

an electronic gaming machine (EGM) operable by the at least one central processor device;

a server with one or more memory that stores a player wagering account in communication with the EGM and the at least one processor device; and

wherein the at least one central processor device;

receives a permission request to access the gaming network from a personal electronic device (PED);

requests, as part of a user login process for the gaming network, the PED to provide to the gaming network a plurality of security protocols for gaining access to a gaming network, wherein the plurality of security protocols includes at least biometric data, player account information associated with the private, secured gaming network, and a plurality of user profile data required by the gaming network;

performs and verifying the plurality of security protocols for gaining access to the gaming network, via a gaming network server in the gaming network, governed by a regulatory gaming commission, wherein an encrypted digital security key is provided to the PED during the performing and verifying;

following a successful completion of the user login process, grants to the PED access to the gaming network upon receiving, via a service window application displayed within a service window of an electronic game machine (EGM), the encrypted digital security key, wherein the service window application enables the EGM to communicate with a bill acceptor to simulate bills and tickets;

sends, via the service window application of the EGM to the PED subsequent to performing and verifying the plurality of security protocols relating to the PED that provided the biometric data, player account information associated with the gaming network, and the plurality of user profile data required by the gaming network via the PED, a transfer verification message containing a mobile payment transfer information, the encrypted digital security key provided by a gaming network server, an EGM identifier, an EGM serial number, and a geolocation comprising a physical location within a gaming venue of an EGM in the transfer verification message for providing the transfer verification for completion of a mobile payment transfer between the PED and the EGM employing the service window, wherein the transfer verification is sent to the PED only within the private, secured gaming network comprising an Intranet of the gaming venue such that the player must be physically located within the gaming venue, be logged in with the gaming network, and have the PED connected with the gaming network to receive the transfer verification message on the PED, and wherein the service window application displayed within the service window of the EGM is further displayed within the PED and the service window application is controlled and operated by the gaming network server in communication with the EGM such that the player simultaneously views a representative mirror image of the service window application displayed within the service window of the EGM on a display of the PED; and

request requests an approval of the mobile payment transfer that is associated with the transfer verification message such that the approval trusts the mobile payment transfer via the service window application and an audit trail is maintained through the service window application of the EGM.

15. The system of claim 14, wherein the at least one processor device communicates the transfer verification message to the PED via one of a plurality of communication channels in a networking environment.

16. The system of claim 15, wherein the at least one processor device provides bi-directional communication between the PED and the EGM.

17. The system of claim 14, wherein the at least one processor device sends the transfer verification message as an email.

18. The system of claim 14, wherein the at least one processor device sends the transfer verification message as a short message service (SMS) text message.

19. The system of claim 14, wherein the at least one processor device issues the transfer verification message upon a player of a gaming device performing a cash out operation.

20. The system of claim 14, wherein the at least one processor device uses the transfer verification message for one of:

resolving disputes relating to the mobile payment transfer,

accounting and taxing related purposes, and

disputing fraudulent use of the PED.

21. The system of claim 14, wherein the at least one processor device notifies a player of a current account balance of the player wagering account in the transfer verification message.

22. The system of claim 14, wherein the at least one processor device performs one of:

providing one or more instructions for using a biometric sensor associated with the PED for capturing the biometric data,

capturing the biometric data to be included and used in the transfer verification message,

providing an indication that the biometric data that is verified and instructions to use the biometric data to login to the gaming network and the EGM,

using the transfer verification message for performing the mobile transfer to and from the EGM,

including the biometric data in the transfer verification message, and

including the encrypted digital security key in the transfer verification message.

23. The system of claim 14, wherein the at least one processor device notifies a player via the transfer verification message of a fraudulent mobile transfer upon one of the PED and player account information being one of stolen and lost.

24. The system of claim 14, wherein the at least one processor device, for performing the mobile payment transfer, performs one of:

electronically transferring money to the EGM from the PED, and

electronically transferring money to the PED from the EGM.

25. The system of claim 14, wherein the at least one processor device uses money from one of a financial institution and a player wagering account for the mobile payment transfer.

26. The system of claim 14, wherein the at least one processor device sends the transfer verification message in conjunction with requesting an approval of the mobile payment transfer.

27. A computer program product for transfer verification of mobile payments in a gaming system in a gaming network in order for gaining a player'"'"'s confidence using a processor device, the computer program product comprising a non-transitory computer-readable storage medium having computer-readable program code portions stored therein, the computer-readable program code portions comprising:

an executable portion that receives a permission request to access the gaming network from a personal electronic device (PED);

an executable portion that requests, as part of a user login process for the gaming network, the PED to provide to the gaming network a plurality of security protocols for gaining access to a gaming network, wherein the plurality of security protocols includes at least biometric data, player account information associated with the private, secured gaming network, and a plurality of user profile data required by the gaming network;

an executable portion that performs and verifies the plurality of security protocols for gaining access to the gaming network, via a gaming network server in the gaming network, governed by a regulatory gaming commission, wherein an encrypted digital security key is provided to the PED during the performing and verifying;

an executable portion that, following a successful completion of the user login process, grants to the PED access to the gaming network upon receiving, via a service window application displayed within a service window of an electronic game machine (EGM), the encrypted digital security key, wherein the service window application enables the EGM to communicate with a bill acceptor to simulate bills and tickets;

an executable portion that sends, via the service window application of the EGM to the PED subsequent to performing and verifying the plurality of security protocols relating to the PED that provided the biometric data, player account information associated with the gaming network, and the plurality of user profile data required by the gaming network via the PED, a transfer verification message containing a mobile payment transfer information, the encrypted digital security key provided by a gaming network server, an EGM identifier, an EGM serial number, and a geolocation comprising a physical location within a gaming venue of an EGM in the transfer verification message for providing the transfer verification for completion of a mobile payment transfer between the PED and the EGM employing the service window, wherein the transfer verification is sent to the PED only within the private, secured gaming network comprising an Intranet of the gaming venue such that the player must be physically located within the gaming venue, be logged in with the gaming network, and have the PED connected with the gaming network to receive the transfer verification message on the PED, and wherein the service window application displayed within the service window of the EGM is further displayed within the PED and the service window application is controlled and operated by the gaming network server in communication with the EGM such that the player simultaneously views a representative mirror image of the service window application displayed within the service window of the EGM on a display of the PED; and

an executable portion that requests an approval of the mobile payment transfer that is associated with the transfer verification message such that the approval trusts the mobile payment transfer via the service window application and an audit trail is maintained through the service window application of the EGM.

28. The computer program product of claim 27, further including an executable portion that communicates the transfer verification message to the PED via one of a plurality of communication channels in a networking environment.

29. The computer program product of claim 28, further including an executable portion that provides bi-directional communication between the PED and the EGM.

30. The computer program product of claim 27, further including an executable portion that sends the transfer verification message as an email.

31. The computer program product of claim 27, further including an executable portion that sends the transfer verification message as a short message service (SMS) text message.

32. The computer program product of claim 27, further including an executable portion that issues the transfer verification message upon a player of a gaming device performing a cash out operation.

33. The computer program product of claim 27, further including an executable portion that uses the transfer verification message for one of:

resolving disputes relating to the mobile payment transfer,

accounting and taxing related purposes, and

disputing fraudulent use of the PED.

34. The computer program product of claim 27, further including an executable portion that notifies a player of a current account balance of the player wagering account in the transfer verification message.

35. The computer program product of claim 27, further including an executable portion that performs one of:

providing one or more instructions for using a biometric sensor associated with the PED for capturing the biometric data,

capturing the biometric data to be included and used in the transfer verification message,

providing an indication that the biometric data that is verified and instructions to use the biometric data to login to the gaming network and the EGM,

using the transfer verification message for performing the mobile transfer to and from the EGM,

including the biometric data in the transfer verification message, and

including the encrypted digital security key in the transfer verification message.

36. The computer program product of claim 27, further including an executable portion that notifies a player via the transfer verification message of a fraudulent mobile transfer upon one of a personal electronic device (PED) and player account information being one of stolen and lost.

37. The computer program product of claim 27, further including an executable portion that, for performing the mobile payment transfer, performs one of:

electronically transferring money to an electronic gaming machine (EGM) from a personal electronic device (PED), and

electronically transferring money to the PED from the EGM.

38. The computer program product of claim 27, further including an executable portion that uses money from one of a financial institution and a player wagering account for the mobile payment transfer.

39. The computer program product of claim 27, further including an executable portion that sends the transfer verification message in conjunction with requesting an approval of the mobile payment transfer.