System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer

1 . A method of processing balance inquiries of financial accounts, comprising:

receiving, by a computing device, an identifier of a financial account and contact information associated with the financial account;

initiating, by the computing device, a communication via the contact information;

receiving, by the computing device, an authentication via the communication, wherein the authentication authorizes access to the financial account;

processing, by the computing device, a balance inquiry of the financial account based on the identifier and the authentication; and

determining, by the computing device, a balance of the financial account based on the balance inquiry.

2 . The method of claim 1 , further comprising:

receiving, by the computing device, an account type for the financial account, wherein the balance inquiry is based on the account type.

3 . The method of claim 2 , wherein the account type comprises a credit/debt account, and wherein the balance inquiry comprises a credit available of the credit/debt account.

4 . The method of claim 2 , wherein the account type comprises an asset account, and wherein the balance inquiry comprises a balance of the asset account.

5 . The method of claim 1 , wherein processing a balance inquiry further comprises processing a balance inquiry via an electronic funds transfer (EFT) provider.

6 . The method of claim 1 , wherein receiving an identifier comprises receiving the account identifier via at least one of: a reader device communicably coupled to the computing device, a mobile device communicably coupled to the computing device, or a client device communicably coupled to the computing device.

7 . The method of claim 1 , wherein receiving contact information comprises receiving one or more of a phone number or an email address, and wherein initiating a communication comprises one or more of initiating a call to the phone number, initiating a text message to the phone number, or initiating an email to the email address.

8 . The method of claim 1 , wherein receiving an identifier of a financial account and contact information comprises:

receiving the identifier via a first communication channel; and

receiving the contact information via a second communication channel separate from the first communication channel.

9 . The method of claim 1 , further comprising:

receiving, by the computing device, an indication of an amount of funds to be transferred from the financial account;

communicating, by the computing device, an Electronic Funds Transfer (EFT) request associated with the financial account based on the identifier, the authentication, and the amount of funds to be transferred; and

causing, by the computing device, the amount of funds to be transferred based on the EFT request.

10 . A method of processing electronic funds transfers (EFTs), comprising:

receiving, by a computing device, an identifier of a financial account, an indication of an amount of funds to be transferred, and contact information associated with the financial account;

initiating, by the computing device, a communication based on the contact information;

receiving, by the computing device, an authentication via the communication, wherein the authentication authorizes access to the financial account;

communicating, by the computing device, an EFT request associated with the financial account based on the identifier, the authentication, and the amount of funds to be transferred; and

causing, by the computing device, the amount of funds to be transferred based on the EFT request.

11 . The method of claim 10 , further comprising:

determining, by the computing device, a monetary value to extend based on the balance.

12 . The method of claim 11 , wherein determining a monetary value to extend comprises determining a marker amount at a casino.

13 . The method of claim 11 , wherein determining a monetary value to extend comprises determining a number of casino chips to extend at a gaming table.

14 . The method of claim 11 , wherein determining a monetary value to extend comprises determining an amount available for purchases at a retailer associated with a casino.

15 . The method of claim 11 , wherein determining a monetary value to extend comprises determining an amount of cash to dispense at an Automated Teller Machine.

16 . The method of claim 10 , wherein receiving contact information comprises receiving one or more of a phone number or an email address, and wherein initiating a communication comprises one or more of initiating a call to the phone number, initiating a text message to the phone number, or initiating an email to the email address.

17 . The method of claim 10 , wherein receiving an identifier of a financial account and contact information comprises:

receiving the identifier via a first communication channel; and

receiving the contact information via a second communication channel separate from the first communication channel.

18 . A system of processing balance inquiries of financial accounts, comprising:

a computing device comprising one or more processors configured to:

receive an identifier of a financial account and contact information associated with the financial account;

initiate a communication via the contact information;

receive an authentication via the communication, wherein the authentication authorizes access to the financial account;

process a balance inquiry of the financial account based on the identifier and the authentication; and

determine a balance of the financial account based on the balance inquiry.

19 . The system of claim 18 , the computing device further configured to:

receive an account type for the financial account, wherein the balance inquiry is based on the account type.

20 . The system of claim 19 , wherein the account type comprises a credit/debt account, and wherein the balance inquiry comprises a credit available of the credit/debt account.

21 . The system of claim 19 , wherein the account type comprises an asset account, and wherein the balance inquiry comprises a balance of the asset account.

22 . The system of claim 18 , wherein the computing device is further configured to:

process the balance inquiry via an electronic funds transfer (EFT) provider.

23 . The system of claim 18 , wherein the computing device receives the account identifier via at least one of: a reader device communicably coupled to the computing device, a mobile device communicably coupled to the computing device, or a client device communicably coupled to the computing device.

24 . The system of claim 18 , wherein the contact information comprises one or more of a phone number or an email address, and wherein the communication is initiated via one or more of: a call to the phone number, a text message to the phone number, or an email to the email address.

25 . The system of claim 18 , wherein the identifier of a financial account is received via a first communication channel and the contact information is received via a second communication channel separate from the first communication channel.

26 . A system of processing electronic funds transfers (EFTs), comprising:

a computing device comprising one or more processors configured to:

receive an identifier of a financial account, an indication of an amount of funds to be transferred, and contact information associated with the financial account;

initiate a communication based on the contact information;

receive an authentication via the communication, wherein the authentication authorizes access to the financial account;

communicate an EFT request associated with the financial account based on the identifier, the authentication, and the amount of funds to be transferred; and

cause the amount of funds to be transferred based on the EFT request.