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, the method comprising:
storing, in a database, associations between a plurality of financial accounts and a plurality of player account identifiers of an online gaming environment;
receiving a funds transfer request comprising a player account identifier and a transfer amount;
identifying, based on the stored associations, a financial account associated with the received player account identifier;
subsequent to determining that the requested transfer satisfies a velocity check:
initiating a decrease of a balance of the identified financial account by the transfer amount; and
initiating an increase of a balance of a gaming account associated with the player account identifier by the transfer amount, wherein the increased balance is available for wagering in the online gaming environment.
2 . The computer-based method of claim 1 , wherein the gaming account is a first gaming account, the method further comprising:
receiving a second funds transfer request to transfer funds from the first gaming account to a second gaming account;
initiating an increase of the balance of the identified financial account and a decrease of the balance of the first gaming account; and
initiating a decrease of the balance of the identified financial account and an increase of a 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:
initiating a decrease of the balance of the first gaming account and an increase of a balance of a second gaming account.
4 . The computer-based method of claim 3 , the method further comprising:
receiving a second funds transfer request to transfer funds from the second gaming account to a third gaming account;
initiating an increase of the balance of the first gaming account and a decrease of the balance of the second gaming account; and
initiating 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 comprises at least one of a wagering account and a casino level player account.
6 . The computer-based method of claim 1 , wherein the increased balance of the gaming account becomes available for wagering after a predetermined delay period.
7 . The computer-based method of claim 1 , wherein the identified financial account is associated with an open-loop payment vehicle.
8 . The computer-based method of claim 7 , wherein the open-loop payment vehicle comprises at least one of a debit payment vehicle and a credit payment vehicle.
9 . The computer-based method of claim 8 , wherein funds held in the identified financial account are usable for payment transactions at a plurality of merchants.
10 . A computer-based method comprising:
storing, in a database, associations between a plurality of financial accounts and a plurality of player account identifiers of an online gaming environment;
receiving a funds transfer request comprising a player account identifier and a transfer amount;
identifying, based on the stored associations, a financial account associated with the received player account identifier;
determining whether the funds transfer request satisfies a velocity check;
responsive to determining that the funds transfer request satisfies the velocity check:
initiating a decrease of a balance of the identified financial account by the transfer amount; and
initiating an increase of a balance of a gaming account associated with the player account identifier by the transfer amount, wherein the increased balance is available for wagering in the online gaming environment.
11 . The computer-based method of claim 10 , wherein the gaming account is a first gaming account, the method further comprising:
receiving a second funds transfer request to transfer funds from the first gaming account to a second gaming account;
initiating an increase of the balance of the identified financial account and a decrease of the balance of the first gaming account; and
initiating a decrease of the balance of the identified financial account and an increase of a balance of the second gaming account.
12 . The computer-based method of claim 10 , wherein the gaming account is a first gaming account, the method further comprising:
initiating a decrease of the balance of the first gaming account and an increase of a balance of a second gaming account.
13 . The computer-based method of claim 12 , the method further comprising:
receiving a second funds transfer request to transfer funds from the second gaming account to a third gaming account;
initiating an increase of the balance of the first gaming account and a decrease of the balance of the second gaming account; and
initiating an increase of a balance of the third gaming account and a decrease of the balance of the first gaming account.
14 . The computer-based method of claim 10 , wherein the gaming account comprises at least one of a wagering account and a casino level player account.
15 . The computer-based method of claim 10 , wherein the increased balance becomes available for wagering after a predetermined delay period.
16 . The computer-based method of claim 10 , wherein the identified financial account is associated with an open-loop payment vehicle.
17 . The computer-based method of claim 16 , wherein the open-loop payment vehicle comprises at least one of a debit payment vehicle and a credit payment vehicle.
18 . The computer-based method of claim 17 , wherein funds held in the identified financial account are usable for payment transactions at a plurality of merchants.
19 . A computer-based method comprising:
storing, in a database, associations between:
a plurality of financial accounts,
a plurality of player account identifiers of an online gaming environment, and
a plurality of payment vehicles;
receiving a plurality of funds transfer requests, each request comprising:
a player account identifier, and
a transfer amount;
for each funds transfer request:
identifying, based on the stored associations, a financial account and an associated payment vehicle for the received player account identifier;
determining whether the funds transfer request satisfies at least one of:
a velocity check, or
a payment vehicle-specific transfer rule;
responsive to determining that the funds transfer request satisfies the at least one of the velocity check or the payment vehicle-specific transfer rule:
initiating a decrease of a balance of the identified financial account by the transfer amount; and
initiating an increase of a balance of a gaming account associated with the player account identifier by the transfer amount; and monitoring cumulative transfer amounts for each payment vehicle over a predetermined time period, wherein the increased balance is available for wagering in the online gaming environment.