Mitigating line of credit risks of a gaming establishment credit system

Abstract

A system that coordinates the issuance of a line of credit or marker for a user based on financial information associated with that user. Following a user, such as a player, applying for a line of credit with a gaming establishment credit system and following the user authorizing access to a financial institution account maintained for the user by a financial institution, the system operates with the financial institution to obtain financial information associated with the financial account. The system utilizes the obtained financial information to determine one or more attributes of the applied for line of credit.

The invention is claimed as follows: 
     
         1 . A system comprising:
 a processor; and   a memory device that stores a plurality of instructions that, when executed by the processor responsive to a request to establish a gaming establishment line of credit associated with a first amount of funds, cause the processor to:
 receive financial information associated with a financial account of a user maintained by a financial institution independent of the processor, 
 determine, based on the received financial information, a parameter of the gaming establishment line of credit, and 
 responsive to a determination of a first parameter of the gaming establishment line of credit, enable an activation of the first amount of funds in association with the gaming establishment line of credit. 
   
     
     
         2 . The system of  claim 1 , wherein when executed by the processor responsive to a determination of a second, different parameter of the gaming establishment line of credit, the instructions cause the processor to enable an activation of a second, different amount of funds in association with the gaming establishment line of credit. 
     
     
         3 . The system of  claim 1 , wherein when executed by the processor responsive to a determination of a second, different parameter of the gaming establishment line of credit, the instructions cause the processor to deny an establishment of the gaming establishment line of credit. 
     
     
         4 . The system of  claim 1 , wherein the received financial information comprises at least one of a balance of the financial account, a credit to the financial account, a debit of the financial account, a historical transaction of the financial account, and any designated high risk transactions of the financial account. 
     
     
         5 . The system of  claim 1 , wherein when executed by the processor after the determination of the first parameter of the gaming establishment line of credit and responsive to receipt of updated financial information associated with the financial account of the user, the instructions cause the processor to modify the first amount of funds in association with the gaming establishment line of credit. 
     
     
         6 . The system of  claim 5 , wherein the modification of the first amount of funds comprises a reduction of the first amount of funds. 
     
     
         7 . The system of  claim 1 , wherein when executed by the processor after the determination of the first parameter of the gaming establishment line of credit and responsive to receipt of updated financial information associated with the financial account of the user, the instructions cause the processor to cancel the gaming establishment line of credit. 
     
     
         8 . The system of  claim 1 , wherein the receipt of financial information associated with the financial account of the user occurs following a linkage of the financial account of the user with a gaming establishment account maintained for the user. 
     
     
         9 . The system of  claim 1 , wherein the request to establish the gaming establishment line of credit occurs in association with a mobile device application being executed by a mobile device. 
     
     
         10 . A system comprising:
 a processor; and   a memory device that stores a plurality of instructions that, when executed by the processor responsive to a request to establish a gaming establishment line of credit associated with a first amount of funds, cause the processor to:
 receive financial information associated with a financial account of a user maintained by a financial institution independent of the processor, 
 determine, based on the received financial information, a parameter of the gaming establishment line of credit, 
 responsive to a determination of a first parameter of the gaming establishment line of credit and prior to any scheduling of any transfer of the first amount of funds from the financial account of the user to any gaming establishment account of the user, not establish the gaming establishment line of credit, and 
 responsive to the determination of the first parameter of the gaming establishment line of credit and following a scheduling of a transfer of the first amount of funds from the financial account of the user to a gaming establishment account of the user, enable an activation of the first amount of funds in association with the gaming establishment line of credit. 
   
     
     
         11 . The system of  claim 10 , wherein when executed by the processor responsive to a determination of a second, different parameter of the gaming establishment line of credit and following a scheduling of a transfer of a second, different amount of funds from the financial account of the user to the gaming establishment account of the user, the instructions cause the processor to enable an activation of the second, different amount of funds in association with the gaming establishment line of credit. 
     
     
         12 . The system of  claim 10 , wherein when executed by the processor responsive to a determination of a second, different parameter of the gaming establishment line of credit, the instructions cause the processor to deny an establishment of the gaming establishment line of credit. 
     
     
         13 . A method of operating a system, the method comprising:
 responsive to a request to establish a gaming establishment line of credit associated with a first amount of funds:   receiving financial information associated with a financial account of a user maintained by a financial institution independent of the processor,   determining, by a processor and based on the received financial information, a parameter of the gaming establishment line of credit, and   responsive to a determination of a first parameter of the gaming establishment line of credit, enabling an activation of the first amount of funds in association with the gaming establishment line of credit.   
     
     
         14 . The method of  claim 13 , further comprising, responsive to a determination of a second, different parameter of the gaming establishment line of credit, enabling an activation of a second, different amount of funds in association with the gaming establishment line of credit. 
     
     
         15 . The method of  claim 13 , further comprising, responsive to a determination of a second, different parameter of the gaming establishment line of credit, denying, by the processor, an establishment of the gaming establishment line of credit. 
     
     
         16 . The method of  claim 13 , wherein the received financial information comprises at least one of a balance of the financial account, a credit to the financial account, a debit of the financial account, a historical transaction of the financial account, and any designated high risk transactions of the financial account. 
     
     
         17 . The method of  claim 13 , further comprising, after the determination of the first parameter of the gaming establishment line of credit and responsive to receipt of updated financial information associated with the financial account of the user, modifying, by the processor, the first amount of funds in association with the gaming establishment line of credit. 
     
     
         18 . The method of  claim 17 , wherein the modification of the first amount of funds comprises a reduction of the first amount of funds. 
     
     
         19 . The method of  claim 13 , further comprising, after the determination of the first parameter of the gaming establishment line of credit and responsive to receipt of updated financial information associated with the financial account of the user, cancelling, by the processor, the gaming establishment line of credit. 
     
     
         20 . The method of  claim 13 , wherein the receipt of financial information associated with the financial account of the user occurs following a linkage of the financial account of the user with a gaming establishment account maintained for the user.