System and method for utilizing an exclusion list database for casinos
View Patent ↗The invention relates to a system and method of providing casinos an electronic means of accessing a database identifying individuals listed on a gambler's exclusion list created by a state's gaming commission. The invention provides a particularly efficient way for a casino to avoid incurring penalties by inadvertently cashing checks belonging to individuals on an exclusion or disassociated persons list. The invention allows the casino teller to run a check transaction while simultaneously determining if the individual is listed as a compulsive gambler by the state's gaming commission. The invention achieves these objectives by providing a host computer, a database residing with the host computer, a means for inputting data from a plurality of sources, and a microprocessor residing at the host computer. The database stores identification information and other inputted data about individuals, the database includes a status listing of disassociated check writers. The means for inputting data is in communication with the host computer. The microprocessor compares inputted data to the database and generates a response as a result of the comparison.
1. A method for cashing a check presented by an individual at a gambling establishment, the method comprising:
providing a host computer containing an exclusion list database, wherein the exclusion list database stores a list of individuals to be excluded from the gambling establishment and checking account magnetic ink character recognition (MICR) numbers respectively associated with the individuals of the list of individuals;
receiving at a point of sale device of the gambling establishment a check presented by an individual for cashing;
scanning at the point of sale device of the gambling establishment checking account MICR information of the check presented by the individual;
identifying a checking account MICR number associated with the individual presenting the check based on the scanned checking account MICR information of the presented check;
transmitting from the point of sale device the identified checking account MICR number associated with the individual presenting the check to the host computer;
comparing the identified checking account MICR number associated with the individual presenting the check with the checking account MICR numbers stored in the exclusion list database to determine whether the individual presenting the check is an individual to be excluded from the gambling establishment, wherein the individual presenting the check is determined to be an individual to be excluded from the gambling establishment if the identified checking account MICR number associated with the individual presenting the check matches a checking account MICR number stored in the exclusion list database;
preventing the presented check from being cashed at the point of sale device of the gambling establishment if it is determined that the individual presenting the check is an individual to be excluded from the gambling establishment; and
cashing the presented check at the point of sale device of the gambling establishment if it is determined that the individual presenting the check is not an individual to be excluded from the gambling establishment.
2. The method of claim 1 wherein cashing the presented check includes using an additional check acceptance program.