Cashless transaction clearinghouse

• US 20030171145A1
• Filed: 04/02/2003
• Published: 09/11/2003
• Est. Priority Date: 04/28/2000
• Status: Active Grant

• Current Assignee: IGT (International Game Technology)
• Original Assignee: IGT (International Game Technology)
• Inventors: Rowe, Richard E.
• Granted Patent: US 7,419,428 B2
• Time in Patent Office: Days
• US Class Current: 463/25
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G07F 17/32 for games, toys, sports, or amusements
• CPC Class Codes: G07F 17/3248 involving non-monetary media of fixed value, e.g. casino chips of fixed value
• CPC Class Codes: G07F 17/3251 involving media of variable value, e.g. programmable cards, programmable tokens
• CPC Class Codes: G07F 17/3255 Incentive, loyalty and/or promotion schemes, e.g. comps, gaming associated with a purchase, gaming funded by advertisements
• CPC Class Codes: G07F 17/3281 wherein game attributes are transferred between players, e.g. points, weapons, avatars
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A disclosed cashless instrument transaction clearinghouse includes a network interface allowing the cashless instrument transaction clearinghouse to communicate with a number of gaming properties and a processor configured to enable the validation of cashless instruments at a gaming property different from where the cashless instrument was generated. Methods are provided at the cashless instrument transaction clearinghouse and at the gaming properties that enable cashless instrument transactions across multiple gaming properties including multi-site promotions. In addition, methods are provided at the cashless instrument transaction clearinghouse that allow 1) a transfer of resources from an account at a first gaming property to an account or device at a second gaming property, 2) account information access, 3) generation of cashless transaction threads comprising a plurality of related cashless transaction, 4) awards and services based upon properties of a cashless transaction thread and 5) local resource accounts maintained at the clearinghouse.

Claims

1. A cashless instrument transaction clearinghouse for facilitating the use of cashless instruments across separate gaming properties, each of which generates and validates cashless instruments, the cashless instrument transaction clearinghouse comprising:

a network interface allowing the cashless instrument transaction clearinghouse to communicate with each of the separate gaming properties; and

a processor configured or designed to (i) receive cashless instrument validation requests via the network interface from a first property for a cashless instrument presented at the first property where the cashless instrument was generated at a second property (ii) send information, via the network, to the second property requesting the second property to approve or reject the cashless instrument validation request, iii) validate a promotion stored on the cashless instrument.

2. The cashless instrument transaction clearinghouse of claim 1, wherein the cashless instrument storing the promotion is redeemable for one of game play credit, merchandise and combinations thereof.

3. The cashless instrument transaction clearinghouse of claim 1, wherein the cashless instrument storing the promotion is generated at a gaming machine at the first property and redeemed at the second property.

4. The cashless instrument transaction clearinghouse of claim 1, wherein the promotion is offered according to one or more promotion theme parameters.

5. The cashless instrument transaction clearinghouse of claim 4, wherein a first promotion theme parameter is game play on a specific type of gaming machine.

6. The cashless instrument transaction clearinghouse of claim 4, wherein the cashless instrument storing the promotion is only redeemable at a specific property connected to the cashless instrument clearinghouse.

7. The cashless instrument transaction clearinghouse of claim 1, further comprising:

a database for storing promotion theme parameters and promotion statistics.

8. The cashless instrument transaction clearinghouse of claim 1, wherein the processor is further designed or configured to generate a cashless transaction thread comprising a plurality of related cashless instrument transactions and provide the promotion in response to properties of the cashless transaction thread matching one or more promotion theme parameters.

9. The cashless instrument transaction clearinghouse of claim 8, further comprising a transaction database including cashless transaction thread information.

10. The cashless instrument transaction clearinghouse of claim 8, wherein the plurality cashless instrument transactions comprising the cashless transaction thread are related by one or more of the following a) a property where the cashless instrument transaction is generated, c) a time when the cashless instrument transaction is generated, d) a value of the cashless instrument transaction, f) a characteristic of a gaming device used in the cashless instrument transaction, g) a type of game played on a gaming machine used in the cashless instrument transaction, i) an individual user, j) a group of individual users, k) a group of properties where the cashless instrument transactions are generated, l) a cashless instrument used in the cashless instrument transaction, m) a group of cashless instruments used in the cashless instrument transaction and n) combinations thereof.

11. The cashless instrument clearinghouse of claim 8, wherein the cashless instrument transactions comprising the cashless instrument thread are one of i) cashless instrument transactions validated at the clearinghouse, ii) cashless instrument transactions validated at one or more gaming properties in communication with the clearinghouse and iii) combinations thereof.

12. The cashless instrument clearinghouse of claim 8, wherein the properties of the cashless instrument thread are one or more of i) a total amount spent on game play for the cashless instrument transactions comprising the cashless instrument thread, ii) a total amount spent on food purchases for the cashless instrument transactions comprising the cashless instrument thread, iii) a total amount spent on merchandise purchases for the cashless instrument transactions comprising the cashless instrument thread, iv) a total amount spent on service purchases for the cashless instrument transactions comprising the cashless instrument thread, v) a total amount spent on rental purchases for the cashless instrument transactions comprising the cashless instrument thread and vi) combinations thereof.

13. The cashless instrument clearinghouse of claim 8, wherein the promotion theme parameters are one or more of i) a threshold amount spent on game play, ii) a threshold amount spent on food purchases, iii) a threshold amount spent on merchandise purchases, iv) a threshold amount spent on service purchases, v) a threshold amount spent on rental purchases, vi) a random selection of the cashless instrument thread, vii) a time, viii) a gaming property location, and ix) combinations thereof.

14. The cashless instrument transaction clearinghouse of claim 8, wherein generating the promotion at the clearinghouse comprises one of initiating i) a download of promotional credits, ii) an issuance of a comp, iii) an issuance of a discount coupon, iv) an issuance of a cash award and v) combinations thereof.

15. The cashless instrument transaction clearinghouse of claim 14, wherein the promotional credits are non-cashable credits.

16. The cashless instrument transaction clearinghouse of claim 14, wherein one of the promotional credits, the comp, the discount coupon, the cash award and combinations thereof are stored on a first cashless instrument generated at a cashless instrument generation site in communication with the cashless instrument transaction clearinghouse or stored in a user account.

17. The cashless instrument transaction clearinghouse of claim 16, wherein the promotional credits, the comp, the discount coupon, the cash award and combinations thereof stored on the first cashless instrument or stored in the user account are redeemable at a plurality of gaming properties.

18. The cashless instrument transaction clearinghouse of claim 16, wherein clearinghouse is capable of receiving cashless instrument validation requests for a validation of the promotional credits, the comp, the discount coupon, the cash award and combinations thereof stored on the first cashless instrument or stored in the user account.

19. The cashless instrument transaction clearinghouse of claim 16, wherein the processor is capable of regulating access to the promotional credits stored on the first cashless instrument or stored in the user account.

20. The cashless instrument transaction clearinghouse of claim 19, wherein access to the promotional credits is regulated to limit one or more of more of the following:

i) a total amount used over a period of time, ii) a total amount used at a particular gaming property, iii) a total amount used at a group of gaming properties, iv) a use of the promotional credits on particular type of gaming machine, v) a use to a particular group of gaming machines, vi) a use of promotional credits only during certain time periods and vii) combinations thereof.

21. The cashless instrument transaction clearinghouse of claim 16, wherein the user account is maintained at the clearinghouse.

22. The cashless instrument transaction clearinghouse of claim 16, wherein the user account is maintained on a remote server in communication with the clearinghouse.

23. The cashless instrument clearinghouse of claim 1, wherein the received cashless instrument validation request is for validating an indicia of credit value to enable i) a wager on a table game, ii) a play of a keno game, iii) a play of a bingo game, iv) a wager on a sporting event, v) a wager on a game of chance played on a gaming device located in a hotel room, vi) a wager on a game of chance on a gaming machine, vii) a food purchase, viii) a service purchase, ix) a merchandise purchase, x) an entertainment event purchase, xi) a rental purchase and xii) combinations thereof.

24. The cashless instrument transaction clearinghouse of claim 1, wherein the cashless instrument is selected from the group consisting of a smart cart card, a debit card, a bar-coded ticket, a magnetic striped card, a cell phone, a radio frequency identification device, an EZ pay ticket voucher and combinations therof.

29. The cashless instrument clearinghouse of claim 24, wherein the processor communicates via the network interface with a plurality of remote devices each of the remote devices maintaining one or more different types of user accounts.

30. The cashless instrument clearinghouse of claim 24, further comprising:

an account database for storing account information in the user account for a plurality of different game players.

31. The cashless instrument clearinghouse of claim 30, wherein the account information comprises i) an account number and ii) user identification information.

32. The cashless instrument transaction clearinghouse of claim 24, further comprising a router.

33. The cashless instrument transaction clearinghouse of claim 32, wherein the router contains routing information allowing the processor to determine a gaming property location for the user account accessible to the game player.

34. The cashless instrument transaction clearinghouse of claim 32, wherein the router contains routing information allowing the processor to send information to the gaming property location for the user account accessible to the game player.

42. The cashless instrument clearinghouse of claim 1, wherein the received cashless instrument validation request is for validating an indicia of credit value to enable i) a wager on a table game, ii) a play of a keno game, iii) a play of a bingo game, iv) a wager on a sporting event, v) a wager on a game of chance played on a gaming device located in a hotel room, vi) a wager on a game of chance on a gaming machine, vii) a food purchase, viii) a service purchase, ix) a merchandise purchase, x) an entertainment event purchase, xi) a rental purchase and xii) combinations thereof.

43. The cashless instrument transaction clearinghouse of claim 1, wherein the cashless instrument is selected from the group consisting of a smart cart card, a debit card, a bar-coded ticket, a magnetic striped card and an EZ pay ticket voucher.

48. The cashless instrument transaction clearinghouse of claim 1, wherein the cashless instrument is selected from the group consisting of a smart cart card, a debit card, a bar-coded ticket, a magnetic striped card, a cell phone, a radio frequency identification device and an EZ pay ticket voucher.

49. The cashless instrument transaction clearinghouse of claim 4, wherein the promotions are comprised of restricted credits or non-restricted credits.

25. A cashless instrument transaction clearinghouse for facilitating the use of cashless instruments across separate gaming properties, each of which generates and validates cashless instruments, the cashless instrument transaction clearinghouse comprising:

a network interface allowing the cashless instrument transaction clearinghouse to communicate with each of the separate gaming properties; and

a processor configured or designed to (i) receive cashless instrument validation requests via the network interface from a first property for a cashless instrument presented at the first property where the cashless instrument was generated at a second property (ii) send information, via the network, to the second property requesting the second property to approve or reject the cashless instrument validation request, iii) transfer an instrument resource stored on a cashless instrument to an user account accessible to a game player.

26. The cashless instrument clearinghouse of claim 25, wherein the processor is further configured or designed to provide account information stored in one or more different types of user accounts.

27. The cashless instrument clearinghouse of claim 26, wherein the one or more different types of user accounts are selected from the group consisting a bank account, a credit card account, a debit card account, a clearinghouse account, a casino account and a loyalty program account.

28. The cashless instrument clearinghouse of claim 26, wherein the account information for the one or more different types of user accounts is stored at i) the clearinghouse, ii) one more gaming properties, and iii) combinations thereof.

35. The cashless instrument transaction clearinghouse of claim 25, wherein the processor is further designed or configured to enable the transfer of a resource stored on one of a first user account on a first server accessible to the game player, a first gaming device or a first cashless instrument to one of a second gaming device, a second user account on a second server accessible to the game player or a second cashless instrument.

36. The cashless instrument transaction clearinghouse of claim 35, wherein the resource is one of an indicia of credit or points used in a loyalty program.

37. The cashless instrument transaction clearinghouse of claim 35, wherein the first server or the second server is located at the clearinghouse.

38. The cashless instrument transaction clearinghouse of claim 35, wherein the first gaming device or the second gaming device is a gaming machine.

39. The cashless instrument transaction clearinghouse of claim 35, wherein the processor is further designed or configured to regulate access to the resource.

40. The cashless instrument transaction clearinghouse of claim 39, wherein access to the resource is regulated to limit one or more of more of the following:

i) a total amount of the resource used over a period of time, ii) a total amount of the resource used at a particular gaming property, iii) a total amount of the resource used at a group of gaming properties, and iv) combinations thereof.

41. The cashless instrument transaction clearinghouse of claim 35, wherein the first user account or the second user account accessible to the game player is one of a bank account, a loyalty program account, a credit card account, a debit card account, a clearinghouse account and a casino account.

44. A method of validating a cashless instrument storing a promotion at a first property using a cashless instrument transaction clearinghouse where the cashless instrument was generated at a second property, the method comprising,

receiving a first transaction validation request containing transaction information from the first property wherein the first transaction validation request requests validation of the cashless instrument storing the promotion;

sending a second transaction validation request to the second property;

receiving a first transaction validation reply from the second property; and

sending a second transaction validation reply to the first property wherein the second transaction validation reply contains transaction information indicating the validation of cashless instrument storing the promotion has been approved or has been rejected.

45. The method of claim 44, wherein when validation of the cashless instrument storing the promotion is approved, the cashless instrument is redeemable for one of promotional credits, a comp, a discount coupon, merchandise and combinations thereof.

46. The method of claim 45, wherein the promotional credits are non-cashable credits.

47. The method of claim 44, wherein the cashless instrument storing the promotion is only redeemable at a specific property.