METHOD AND SYSTEM FOR ONLINE WAGERING COMPLIANCE

• US 20130316809A1
• Filed: 05/23/2013
• Published: 11/28/2013
• Est. Priority Date: 05/23/2012
• Status: Abandoned Application

• Current Assignee: CAMS Incorporated
• Original Assignee: CAMS Incorporated
• Inventors: Katz, Matthew G., Sawitke, Jeffrey
• Application Number:
  US13/901,527
• Publication Number:
  US 20130316809A1
• Time in Patent Office: Days
• US Class Current: 463/29
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 50/34 Betting or bookmaking, e.g. Internet betting
• CPC Class Codes: G07F 17/3237 about the players, e.g. profiling, responsible gaming, strategy/behavior of players, location of players
• CPC Class Codes: G07F 17/3241 Security aspects of a gaming system, e.g. detecting cheating, device integrity, surveillance computer security G06F21/00
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02

Abstract

Techniques for facilitating online wagering or service compliance are disclosed herein. In one example, there is provided a central account management system having at least one entity configured to access user information for a user, the user information comprising identification information and/or payment information. The entity may be configured to monitor account activity of the user across at least one online service, and obtain account restrictions for the user from a database based on the user information. The entity may be configured to facilitate compliance with the account restrictions based on the account activity.

Claims

1. A method operable by a network entity for managing an online service account, comprising:

accessing user information for a user, the user information comprising identification information or payment information;

monitoring account activity of the user across at least one online service;

obtaining account restrictions for the user from a database based on the user information; and

facilitating compliance with the account restrictions based on the account activity.

2. The method of claim 1, wherein the network entity comprises at least one server that comprises a multi-tenant Software as a Service (SaaS) component for performing at least one of the accessing, the monitoring, the obtaining, or the facilitating.

3. The method of claim 1, wherein the user information is locally stored at the network entity.

4. The method of claim 3, further comprising gathering the user information to setup or update the online service account.

5. The method of claim 1, wherein the user information is stored on at least one remotely located server.

6. The method of claim 1, wherein the identification information comprises at least one of social security number, driver'"'"'s license number, government ID, passport number, credit score data, tax return data, background check data, personally identifiable information (PII), a user device ID, voiceprint, fingerprint, casino-operator specific account data, or geo-location data for the user.

7. The method of claim 1, wherein the payment information comprises at least one of credit or debit account number, checking account data, pre-paid account data, digital wallet data, alternative payment data, local exchange carrier (LEC) billing data, mobile billing data, near field communication (NFC) account data, or casino-operator specific account data.

8. The method of claim 1, wherein monitoring comprises tracking user'"'"'s transactions at the at least one online service.

9. The method of claim 1, wherein monitoring comprises communicating locally with a multi-tenant Software as a Service (SaaS) component.

10. The method of claim 1, wherein monitoring comprises communicating with at least one remote server, the at least one remote server comprising an online service server or a payment processor server.

11. The method of claim 1, wherein the database with the account restrictions is stored locally at the network entity.

12. The method of claim 1, wherein the database with the account restrictions is stored on a remote server.

13. The method of claim 12, wherein the database with the account restrictions is stored on the remote server operated by a government agency, a gamblers anonymous service, a credit monitoring service, or a law enforcement agency.

14. The method of claim 1, wherein the account restrictions comprise at least one of an age limit, a location of player, an outstanding balance limit, a number of transactions limit, or a defined deposit limit for a defined time period.

15. The method of claim 14, wherein facilitating compliance comprises, in response to the account activity exceeding at least one limit of the account restrictions, notifying at least one of (a) the user, (b) the at least one online service (c) a gamblers anonymous service, (d) user'"'"'s payment processor, (e) an enforcement entity, or (f) a partner instance entity, regarding the user exceeding the at least one limit.

16. The method of claim 14, further comprising maintaining a list of players who have failed to comply with their respective account restrictions, the list being local to the network entity or stored in a remote database that is accessed by the network entity.

17. The method of claim 1, further comprising obtaining tax liability information from the at least one online service or at least one tax agency, the tax liability information relating to state tax liability or federal tax liability.

18. The method of claim 17, wherein the at least one tax agency comprises the Internal Revenue Service (IRS).

19. The method of claim 17, further comprising communicating with the at least one online service or at least one tax agency to facilitate the payment or reconciliation of taxes by the user.

20. The method of claim 1, wherein:

the at least one online service comprises at least one online gaming service; and

the online service account comprises a gaming account.

21. The method of claim 1, wherein:

the at least one online service comprises a lottery service or a gaming service; and

the online service account comprises a lottery account or a gaming account.

22. The method of claim 1, wherein accessing comprises collecting the user information for the user.

23. A method operable by a network entity for managing an online gambling account, comprising:

accessing user information for a user, the user information comprising identification information or payment information;

monitoring account activity of the user across at least one online gambling service;

obtaining gambling restrictions for the user from a database based on the user information; and

facilitating compliance with the account gambling restrictions based on the account activity.

24. An apparatus, comprising:

means for accessing user information for a user, the user information comprising identification information or payment information;

means for monitoring account activity of the user across at least one online service;

means for obtaining account restrictions for the user from a database based on the user information; and

means for facilitating compliance with the account restrictions based on the account activity.

25. An apparatus, comprising:

at least one processor configured to;

access user information for a user, the user information comprising identification information or payment information;

monitor account activity of the user across at least one online service;

obtain account restrictions for the user from a database based on the user information; and

facilitate compliance with the account restrictions based on the account activity; and

a memory coupled to the at least one processor for storing data.

26. The apparatus of claim 25, wherein the apparatus comprises at least one server that comprises a multi-tenant Software as a Service (SaaS) component.

27. A computer program product, comprising:

a non-transitory computer-readable medium comprising code for causing a computer to;

access user information for a user, the user information comprising identification information or payment information;

monitor account activity of the user across at least one online service;

obtain account restrictions for the user from a database based on the user information; and

facilitate compliance with the account restrictions based on the account activity.