SYSTEMS AND METHODS FOR BALANCE TRANSFERS ASSOCIATED WITH PAYMENT VEHICLES AND GAMING ENVIRONMENTS
Systems and methods for crediting a gaming account of an online gaming provider are disclosed. When the gaming account is of a player is credited, a stored value account of the player is debited. The stored value account can be linked to a stored value payment vehicle issued to a player. At the conclusion of online gameplay, the gaming account can be debited and the stored value account credited to reflect winnings.
1 . A computer-based method of transferring funds between a stored value account and a gaming account, the method comprising:
receiving, by one or more processors, a player funding instruction to transfer a balance from a stored value account to a gaming account, wherein the stored value account is associated with a stored value payment vehicle issued to the player and the gaming account is associated with a gaming website; wherein the player funding instruction is entered into a remote computing device and identifies a balance amount to be transferred from the stored valued account to the gaming account;
identifying, by any of the one or more processors, the stored value account, wherein a balance of the stored value account is maintained by an issuer processor computing system; and
causing, by any of the one or more processors, a decrease of the balance of the stored value account and an increase of the balance of the gaming account, wherein the balance of the gaming account is usable for gameplay at the gaming website.
2 . The computer-based method of claim 1 , wherein the gaming website is any of a real-money gaming website, a real-money or play for fun poker site, a dog or a horse racing site, a real-money sports wagering site, an online casino, a fantasy sports site, a social casino site, a social gaming site, or a video gaming site.
3 . The computer-based method of claim 1 , further comprising:
receiving a player funding instruction to transfer a balance from the gaming account to the stored value account; and
causing, by any of the one or more processors, an increase of the balance of the stored value account and a decrease of the balance of the gaming account.
4 . The computer-based method of claim 3 , wherein the causing of the increase of the balance of the stored value account and the decrease of the balance of the gaming account occurs in substantially real-time.
5 . The computer-based method of claim 1 , wherein the causing of the decrease of the balance of the stored value account and the increase of the balance of the gaming account occurs in substantially real-time.
6 . The computer-based method of claim 1 , wherein the causing of the increase of the balance of the gaming account occurs subsequent to a delay.
7 . The computer-based method of claim 1 , further comprising:
subsequent to the player completing an online application process, causing the stored value payment vehicle to be issued to the player.
8 . The computer-based method of claim 1 , wherein the remote computing device is any of a mobile computing device, a smart phone, a tablet computer, a desktop computer, a laptop computer, a gaming device, a wearable computing device, and a kiosk.
9 . The computer-based method of claim 1 , further comprising:
subsequent to identifying the stored value account, sending, by any of the one or more processors, an indication of the balance of the stored value account for display on the remote computing device.
10 . The computer-based method of claim 1 , wherein the player funding instruction comprises a player identifier, wherein the player identifier is a unique identifier associated with a player loyalty program affiliated with the gaming website.
11 . The computer-based method of claim 1 , further comprising, preceding the receiving of the player funding instruction, and responsive to a declined funding request, providing to the player an offer to accept enrollment into a stored value payment vehicle.
12 . The computer-based method of claim 11 , further comprising, subsequent to the player providing an indication of acceptance of the offer, causing the issuance of the stored value payment vehicle to the player.
13 . The computer-based method of claim 12 , wherein the balance transferred from the stored value account to the gaming account comprises funds received from the issuer processor computing system from a player funding source subsequent to the issuance of the stored value payment vehicle to the player.
14 . A computer-based method of funding an account associated with a player, comprising:
receiving, by a transaction facilitator computing system, a load request, wherein the load request is initiated at an application executed on a remote computing device and comprises a request to credit a gaming account associated with a gaming website with player funds held by a stored value account associated with a stored value payment vehicle, wherein the gaming account has a balance amount, wherein the balance amount of the gaming account is usable for online gaming;
causing, by the transaction facilitator computing system, an increase of the balance amount of the gaming account based on an amount of funds requested in the load request;
causing, by the transaction facilitator computing system, a decrease of the balance amount of the stored value account associated with the stored payment vehicle based on the amount of funds requested in the load request.
15 . The computer-based method of claim 14 , wherein the remote computing device executing the application is any of a mobile computing device, a smart phone, a tablet computer, a desktop computer, a laptop computer, a gaming device, a wearable computing device, and a kiosk.
16 . The computer-based method of claim 15 , wherein the gaming website is accessible via the remote computing device.
17 . The computer-based method of claim 14 , wherein the stored value payment vehicle is a branded stored value payment vehicle associated with a brand.
18 . The computer-based method of claim 17 , wherein the brand is affiliated with a gaming brand or a third party brand.
19 . The computer-based method of claim 18 , wherein the funds held by the gaming account are only usable for gaming at gaming websites affiliated with the brand.
20 . The computer-based method of claim 14 , wherein the causing of the increase of the balance amount of the gaming account occurs substantially in real-time.
21 . The computer-based method of claim 14 , further comprising:
causing the issuing of the value payment vehicle to a player based on a denial of a funding request from the player.
22 . A gaming account funding system, comprising:
a stored value payment vehicle issued to a player, wherein funds accessible by the stored value payment vehicle are maintained in a stored value account and are accessible through a payment network;
a gaming website facilitating gameplay with real-money wagers supplied from a gaming account, wherein the gaming account hold funds for the player;
at least one processor and non-transitory computer readable medium having instructions stored thereon which when executed by a processor cause the processor to:
selectively increase and decrease funds held by the stored value account and the gaming account based on a funding command provided by the player through interactions with the gaming website.
23 . The gaming account funding system of claim 22 , wherein the gaming website is any of a real-money gaming website, a real-money or play for fun poker site, a dog or a horse racing site, a real-money sports wagering site, an online casino, a fantasy sports site, a social casino site, a social gaming site, or a video gaming site.
24 . The gaming account funding system of claim 22 , further comprising the remote computing device.
25 . The gaming account funding system of claim 22 , wherein the computing device is any of a mobile computing device, a smart phone, a tablet computer, a desktop computer, a laptop computer, a gaming device, a wearable computing device, and a kiosk.
26 . The computer-based method of claim 25 , wherein the gaming website is accessible via the remote computing device.
27 . The gaming account funding system of claim 22 , wherein the increase of funds of the gaming account based on the amount of funds requested in the load request occurs subsequent to a delay.
29 . The gaming account funding system of claim 22 , wherein the selective increase and decrease of funds held by the stored value account and the gaming account based on the amount of funds requested in the load request occurs substantially in real-time.
29 . The gaming account funding system of claim 22 , wherein in response to receiving a cashout request from the player, the instructions further cause the processor to offer an opportunity for the player to enroll into a stored value payment vehicle, and when the player accepts the enrollment opportunity, causing the issuance of the stored value payment vehicle to the player.