Granted Patent B2

US 9,196,122 · App. 14/222,995 · Granted Nov 24, 2015

Abstract

Claims (54)

1. A method for managing a loan transaction in a wagering game presented on a wagering game machine, the method comprising:

determining, by an account server, at least one loan condition associated with a loan value in a first player account;

in response to determining an acceptance of the at least one loan condition by a second player account, transferring, by the account server, the loan value from the first player account to the second player account;

in response to determining that the at least one loan condition is present, determining, by the account server, a wager of the loan value from the second player account in the wagering game;

determining, by the account server, a loan win amount attributable to an outcome of the wager of the loan value;

determining, by the account server, a first player portion of the loan win amount; and

determining, by the account server, a second player portion of the loan win amount, wherein the wagering game machine comprises a first input device configured to detect a physical item associated with a monetary value that establishes a credit balance and a second input device configured to receive a cashout input that initiates a payout from the credit balance.

2. The method of claim 1 , wherein the at least one loan condition comprises a ratio, and wherein the determining a first player portion of the loan win amount is based on the ratio.

3. The method of claim 1 , wherein the at least one loan condition comprises game play history requirements for the second player account, and wherein the second player account satisfies the game play history requirements.

4. The method of claim 3 , wherein the game play history requirements include one or more of a minimum game play history, a win percentage, type of wagering games played, a level of gambling stability, and types of wagering game machines played.

5. The method of claim 1 , wherein the at least one loan condition includes a lending limit.

6. The method of claim 1 , further comprising:

receiving, from the second player account, player input selecting the first player account.

7. The method of claim 6 , further comprising:

determining, by the account server from a database of player accounts, a list of player accounts willing to lend value to other player accounts; and

causing presentation, to the second player, the list of player accounts.

8. The method of claim 1 , further comprising:

awarding, by the account server to the first player, the first player portion of the loan win amount; and

awarding, by the account server to the second player, the second player portion of the loan win amount.

9. One or more non-transitory machine-readable storage media having instructions stored thereon, which when executed by a set of one or more processors causes the set of one or more processors to perform operations comprising:

determining at least one term of use associated with a loan amount required by a first player account associated with a player of a wagering game presented on a wagering game machine, wherein the wagering game machine comprises a first input device configured to detect a physical item associated with a monetary value that establishes a credit balance and a second input device configured to receive a cashout input that initiates a payout from the credit balance;

determining that a second player account one of accepts the at least one term of use or meets requirements of the at least one term of use;

transferring the loan amount from the first player account to the second player account;

receiving, from the second player account, a wager including at least a portion of the loan amount for the wagering game;

determining, based on the wager, an award based on an outcome of the wagering game;

determining a first portion of the award to provide to the first player account based on the at least one term of use; and

determining a second portion of the award to provide to the second player account based on the at least one term of use.

10. The one or more non-transitory machine-readable storage media of claim 9 , wherein the at least one term of use includes an award percentage, wherein the award percentage dictates the first portion of the award to provide to the first player account.

11. The one or more non-transitory machine readable storage media of claim 9 , wherein the at least one term of use includes game play history requirements for the second player account.

12. The one or more non-transitory machine-readable storage media of claim 11 , wherein the game play history requirements include one or more of a minimum game play history, a win percentage, type of wagering games played, a level of gambling stability, and types of wagering game machines played.

13. The one or more non-transitory machine-readable storage media of claim 9 , wherein the at least one term of use includes a lending limit.

14. The one or more non-transitory machine-readable storage media of claim 9 , the operations further comprising:

receiving, from the second player account, player input selecting the first player account as a lending account.

15. The one or more non-transitory machine-readable storage media of claim 14 , the operations further comprising:

determining, from a database of player accounts, a list of player accounts willing to lend value to other player accounts; and

presenting, to the second player account, the list of player accounts.

16. The one or more non-transitory machine-readable storage media of claim 9 , the operations further comprising:

providing, to the first player account, the first portion of the award; and

providing, to the second player account, the second portion of the award.

17. A method comprising:

receiving, from a player account associated with a player of a wagering game presented on a wagering game machine, a request to borrow a loan amount for a wagering game according to lending terms, wherein the wagering game machine comprises a first input device configured to detect a physical item associated with a monetary value that establishes a credit balance and a second input device configured to receive a cashout input that initiates a payout from the credit balance;

determining, by an account server, game play history for the player account;

determining, by the account server, one or more approving wager lending accounts that, based on the game play history, approve the request by the player account to borrow the loan amount according to the lending terms; and

causing presentation of the one or more approving wager lending accounts to the player account to select any of the approving lending accounts.

18. The method of claim 17 , further comprising:

receiving, at the account server, a selection of one of the one or more approving wager lending accounts;

transferring, by the account server, the loan amount from the one of the one or more approving wager lending accounts to the player account;

receiving, from the player account, a wager including at least a portion of the loan amount;

determining, by the account server, an award value from the wager; and

allocating, by the account server, a portion of the award value to the one of the one or more approving wager lending accounts.

19. The method of claim 17 , wherein the determining one or more approving wager lending accounts comprises:

searching, by the account server, a plurality of stored accounts, where each of the plurality of stored accounts has lending requirements that can approve potential borrowers based on their game play history; and

determining, by the account server, any of the plurality of stored accounts lending requirements that match the game play history for the player account.

20. The method of claim 17 , wherein the game play history includes one or more of a minimum game play history, a win percentage, type of wagering games played, a level of gambling stability, and types of wagering game machines played.

Assignments (9)