Interactive financial transactions
First Claim
1. A computer-implemented method for providing wagering games, comprising:
- receiving, by a processor-based device, a request from a user device to engage in a wagering activity, wherein the request specifies a session wagering amount,transmitting, by the processor-based device to an intermediary business system, the session wagering amount and a request for a block on a financial account of a user of the user device, the intermediary business system being communicatively coupled to a financial institution that maintains the financial account,initiating, by the processor-based device, a wagering session with the user device, the wagering session including at least one wagering game,receiving, by the processor-based device, an indication from the user device of a wager in the at least one wagering game,verifying, via one or more communications between the processor-based device and the intermediary business system, availability of an amount no less than an amount of the wager in the at least one wagering game,responsive to the verifying of the availability of the amount no less than the amount of the wager, providing, by the processor-based device, a gaming activity to the user device,determining, by the processor-based device, a wager result based on the provided gaming activity, andproviding, by the processor-based device and via one or more additional communications between the processor-based device and the intermediary business system, the wager result to the intermediary business system.
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Accused Products
Abstract
An interactive financial transactions systems and methods are disclosed for providing gaming activity using funds located at a financial institution. Prior to initiating gaming activity, the player indicates the amount of funds the player would like to wager in a session. The financial institution is contacted to block the player funds from being used for another purpose while the player is placing wagers on the interactive gaming system. As the player completes wagers, the results of wagering activities may be passed to the financial institution. When the player completes the gaming session, the financial institution is instructed to release the blocked funds. In one embodiment, the interactive gaming system contacts an intermediary business which performs the account blocking and financial transactions with the financial institution.
339 Citations
23 Claims
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1. A computer-implemented method for providing wagering games, comprising:
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receiving, by a processor-based device, a request from a user device to engage in a wagering activity, wherein the request specifies a session wagering amount, transmitting, by the processor-based device to an intermediary business system, the session wagering amount and a request for a block on a financial account of a user of the user device, the intermediary business system being communicatively coupled to a financial institution that maintains the financial account, initiating, by the processor-based device, a wagering session with the user device, the wagering session including at least one wagering game, receiving, by the processor-based device, an indication from the user device of a wager in the at least one wagering game, verifying, via one or more communications between the processor-based device and the intermediary business system, availability of an amount no less than an amount of the wager in the at least one wagering game, responsive to the verifying of the availability of the amount no less than the amount of the wager, providing, by the processor-based device, a gaming activity to the user device, determining, by the processor-based device, a wager result based on the provided gaming activity, and providing, by the processor-based device and via one or more additional communications between the processor-based device and the intermediary business system, the wager result to the intermediary business system. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method for providing wagering games, comprising:
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receiving a request from a user device associated with a user, wherein the request specifies a desired wager amount, requesting a financial block from a financial institution on a financial account associated with the user, wherein the requested financial block specifies the desired wager amount, responsive to receiving a notification from the financial institution that the financial block was successful, beginning a wagering session, wherein the wagering session includes at least one wagering game with the user device, responsive to a wagering result from the at least one wagering game, reporting the wagering result to the financial institution, and settling a transaction with the financial institution responsive to the user ending the at least one wagering game, wherein the settling includes releasing the financial block on the financial account associated with the user. - View Dependent Claims (9, 10, 11, 12)
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13. A computer-implemented method of authorizing a use of player funds, comprising:
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receiving a request associated with a player to designate an amount of funds to make available for wagering at an interactive gaming system, sending a request to a financial institution associated with the player to block the amount of funds in a financial account associated with the player, receiving an indication from the financial institution that the amount of funds is blocked, setting a wager balance based on the amount of funds blocked, receiving a request to authorize a wager for a wager amount, responsive to the request from the interactive gaming system, providing an authorization for the wager amount when the wager amount is less than or equal to the wager balance, receiving a wager result indicating a win or loss, receiving an indication of an end of a play session, transmitting the wager result to the financial institution, and responsive to receiving the indication of the end of the play session, sending a request to the financial institution to unblock the funds in the financial account associated with the player. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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Specification