Systems and methods for gaming account funding
Systems and methods are disclosed for associating a player identifier with a financial account. The financial account can holds funds that are accessible through the player's use of a payment vehicle. The payment vehicle can be, for example, a credit payment vehicle or a debit payment vehicle. The player can load funds from the financial account to a wagering account.
1. A computer-based method of transferring funds between a financial 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:
associating in computer memory of the one or more computing devices, the financial account of a player with a player loyalty account identifier of a gaming environment, wherein the financial account holds a balance of funds maintained by a computing system;
receiving, by any of the one or more computing devices, a request to transfer a first amount of funds from the financial account maintained by the computing system into the gaming account maintained by the casino computing system of the gaming environment, wherein the request does not identify the financial account, wherein the request to transfer comprises the player loyalty account identifier of the player, wherein the player loyalty account identifier is associated with the gaming account having a balance maintained by a casino computing system of the gaming environment;
identifying, by any of the one or more computing devices, the financial account based on the association of the financial account and the player loyalty account identifier in the computer memory of the one or more computing devices;
subsequent to determining that the requested transfer satisfies a velocity check instructing, by any of the one or more computing devices, the computing system to decrease the balance of the financial account, wherein the velocity check determines whether a number of times the financial account has been used to fund the gaming account within a time period exceeds a threshold number of times; and
subsequent to determining that the requested transfer satisfies the velocity check instructing, by any of the one or more computing devices, the casino computing system to increase the balance of the gaming account, wherein the balance of the gaming account is usable for wagering.
2. The computer-based method of claim 1 , wherein the gaming account is a first gaming account, the method further comprising:
subsequent to the increase of the balance of the first gaming account, receiving by any of the one or more computing devices, a request to transfer an amount of funds from the first gaming account to a second gaming account;
causing, by any of the one or more computing devices, an increase of the balance of the financial account and a decrease of the balance of the first gaming account; and
causing, by any of the one or more computing devices, a decrease of the balance of the financial account and an increase of the balance of the second gaming account.
3. The computer-based method of claim 1 , wherein the gaming account is a first gaming account, the method further comprising:
causing, by any of the one or more computing devices, a decrease of the balance of the first gaming account and an increase of the balance of a second gaming account.
4. The computer-based method of claim 3 , the method further comprising:
subsequent to the increase of the balance of second gaming account, receiving by any of the one or more computing devices, a request to transfer an amount of funds from the second gaming account to a third gaming account;
causing, by any of the one or more computing devices, an increase of the balance of the first gaming account and a decrease of the balance of the second gaming account; and
causing, by any of the one or more computing devices, an increase of a balance of the third gaming account and a decrease of the balance of the first gaming account.
5. The computer-based method of claim 1 , wherein the gaming account is any of a wagering account, a casino level player account, and a metered gaming credit account.
6. The computer-based method of claim 1 , wherein increasing of the balance of the gaming account occurs subsequent to a delay.
7. A computer-based method of transferring funds between a financial 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:
associating in computer memory of the one or more computing devices, the financial account of a player with a player loyalty account identifier of a gaming environment, wherein the financial account holds a balance of funds maintained by a computing system;
receiving, by any of the one or more computing devices, a request to transfer a first amount of funds from the financial account maintained by the computing system and associated with the player loyalty account identifier of the gaming environment into the gaming account maintained by the casino computing system of the gaming environment, wherein the request does not identify the financial account, wherein the request to transfer comprises the player loyalty account identifier of the player, wherein the player loyalty account identifier is associated with the gaming account having a balance maintained by a casino computing system of the gaming environment;
only if the requested transfer satisfies a velocity check instructing, by any of the one or more computing devices, the computing system to decrease the balance of the financial account; and
only if the requested transfer satisfies the velocity check instructing, by any of the one or more computing devices, the casino computing system to increase the balance of the gaming account, wherein the balance of the gaming account is usable for wagering.
8. The computer-based method of claim 7 , wherein the gaming account is a first gaming account, the method further comprising:
subsequent to the increase of the balance of the first gaming account, receiving by any of the one or more computing devices, a request to transfer an amount of funds from the first gaming account to a second gaming account;
causing, by any of the one or more computing devices, an increase of the balance of the financial account and a decrease of the balance of the first gaming account; and
causing, by any of the one or more computing devices, a decrease of the balance of the financial account and an increase of the balance of the second gaming account.
9. The computer-based method of claim 7 , wherein the gaming account is a first gaming account, the method further comprising:
causing, by any of the one or more computing devices, a decrease of the balance of the first gaming account and an increase of the balance of a second gaming account.
10. The computer-based method of claim 9 , the method further comprising:
subsequent to the increase of the balance of second gaming account, receiving by any of the one or more computing devices, a request to transfer an amount of funds from the second gaming account to a third gaming account;
causing, by any of the one or more computing devices, an increase of the balance of the first gaming account and a decrease of the balance of the second gaming account; and
causing, by any of the one or more computing devices, an increase of a balance of the third gaming account and a decrease of the balance of the first gaming account.
11. The computer-based method of claim 7 , wherein the gaming account is any of a wagering account, a casino level player account, and a metered gaming credit account.
12. The computer-based method of claim 7 , wherein increasing of the balance of the gaming account occurs subsequent to a delay.
13. The computer-based method of claim 7 , wherein the financial account is associated with an open-loop payment vehicle.
14. The computer-based method of claim 13 , wherein the open-loop payment vehicle is any of a debit payment vehicle and a credit payment vehicle.
15. The computer-based method of claim 14 , wherein funds held in the financial account are usable for payment transactions at any of a plurality of merchants.