Systems and methods for balance transfers associated with gaming environments
Systems and methods are disclosed for selectively increasing and decreasing the balances of gaming accounts and stored value accounts. Each of the gaming account and the stored value account are associated with a player. Instructions for balance transfers can be provided by the player to a remote computing device.
1. A gaming system, comprising:
a gaming account to hold funds for a player, wherein the gaming account is any of a casino level player account, a brick-and-mortar wagering account, a race-and-sports wagering account, and an internet gaming wagering account, wherein the funds are usable for wagering within a gaming environment;
a stored value account maintained by a financial institution, wherein funds maintained in a stored value account by the financial institution are accessible through open-loop transactions on an open-loop payment network; and
at least one computing device comprising a processor and non-transitory computer readable medium having instructions stored thereon which when executed by the processor cause the processor to:
receive a funding command entered into a remote computing device by the player,
based on the funding command, selectively increase funds held by the stored value account, and
based on the funding command, decrease funds held by the gaming account through a closed-loop payment network.
2. The gaming account funding system of claim 1 , further comprising:
a loyalty account assigned to the player, wherein the loyalty account is maintained by a customer management computing system, and wherein the funding command comprises a unique identifier associated with the loyalty account.
3. The gaming account funding system of claim 1 , further comprising the remote computing device.
4. The gaming account funding system 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, a kiosk, and an automated transaction machine (ATM).
5. The gaming account funding system of claim 1 , wherein any increase of funds occurs subsequent to a delay.
6. The gaming account funding system of claim 1 , wherein the selective increase of funds held by the stored value account occurs substantially in real-time.
7. The gaming account funding system of claim 1 , wherein the funding command comprises information identifying player credentials and an amount of funds to be transferred.
8. A computer-based method of electronic fund transfer between a stored value account and a gaming account, the method performed by one or more computing devices comprising instructions stored in a memory, which when executed by one or more processors of the one or more computing devices, cause the one or more computing devices to perform the method comprising:
based at least partially on a funding request entered into a remote computing device by a player, identifying an open-loop stored value account associated with the funding request, wherein the open-loop stored value account is associated with the player, wherein the open-loop stored value account maintains a balance of funds;
subsequent to identifying the open-loop stored value account associated with the funding request, causing by the one or more computing devices a decrease of the balance of funds of the stored value account and an increase of the balance of a gaming account through communications in a closed-loop payment network.
9. The computer-based method of claim 8 , wherein the gaming account is any of a wagering account, a casino level player account, and a metered gaming credit account.
10. The computer-based method of claim 8 , wherein the causing of the increase of the balance of the gaming account responsive to receiving the funding request occurs subsequent to a funding delay.
11. The computer-based method of claim 8 , wherein the causing of the decrease of the balance of the open-loop stored value account and the increase of the balance of the gaming account occurs in substantially real-time.
12. The computer-based method of claim 8 , 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, a kiosk, and an automated transaction machine (ATM).
13. The computer-based method of claim 8 , further comprising:
subsequent to identifying the open-loop stored value account, sending by the one or more computing devices an indication of the balance of funds available to the player for display on the remote computing device.
14. The computer-based method of claim 8 , wherein the funding request player credentials comprises a unique identifier associated with a player loyalty program.
15. A computer-based method of funding a gaming account associated with a player, the method performed by a transaction facilitator computing system comprising instructions stored in a memory, which when executed by a processor of the transaction facilitator computing system, cause the transaction facilitator computing system to:
receive a load request, wherein the load request is initiated at a remote computing device and comprises a request to fund a gaming account of a player with funds held by an open-loop stored value account, 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, a kiosk, and an automated transaction machine (ATM);
cause an increase of a balance amount of the gaming account based on an amount of funds requested in the load request; and
cause a decrease of the funds of the stored value account based on the amount of funds requested in the load request through communications in a closed-loop payment network.
16. The computer-based method of claim 15 , wherein the load request comprises a unique identifier associated with a player loyalty program.
17. The computer-based method of claim 15 , wherein the gaming account is any of a wagering account, a casino level player account, and a metered gaming credit account.
18. The computer-based method of claim 15 , wherein the increase of the balance amount of the gaming account is caused to occur subsequent to a delay.
19. The computer-based method of claim 15 , wherein the increase of the balance amount of the gaming account is caused to occur substantially in real-time.
20. The computer-based method of claim 15 , wherein the funds held by the stored value account are accessible through use of a stored value payment vehicle.