Abstract:
An electronic fund transfer (EFT) system for managing and transferring electronic funds from a user&#39;s financial account to a credit system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user&#39;s financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user&#39;s financial account to the credit system via the secure payment gateway. The funds management portal accounts and reconciles the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user&#39;s financial account to the credit system and means for transmitting the fund transfer instructions to the user&#39;s financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user&#39;s financial account and to transmit the instructions for transferring electronic funds from the user&#39;s financial account to the credit system via the secure payment gateway.

Description:
CROSS REFERENCE TO RELATED CO-PENDING APPLICATIONS 
     This application claims the benefit of U.S. provisional application Ser. No. 61/354,339 filed on Jun. 14, 2010 and entitled SYSTEM AND METHOD FOR WIRELESS ELECTRONIC FUND TRANSFERS FOR USE WITH GAMING SYSTEMS which is commonly assigned and the contents of which are expressly incorporated herein by reference. 
    
    
     FIELD OF THE INVENTION 
     The present invention relates to a system and a method for electronic fund transfers, and in particular to electronic fund transfers for use with gaming systems. 
     BACKGROUND OF THE INVENTION 
     Currently the primary method of transferring funds into a gaming device is through cash, or cash equivalent, e.g., “cash value tickets”, or ticket-in/ticket-out (TITO) tickets. Similarly, funds are transferred into an amusement device through cash, “cash value cards”, game tokens or coupons. The funds are usually converted into gaming or amusement credits through a cash acceptance device, e.g. bill acceptor or card reader, associated with the gaming device. The gaming or amusement credits are then exported onto cash value tickets or value on a card to be used in a gaming or amusement facility. At the discretion of the patron, the gaming or amusement credits can be redeemed and converted back into cash. A ticketing system or a value card system is used to read the tickets, print tickets, or write onto the value card the amount to be cashed out at an external kiosk or cashier station. 
     A patron usually accesses funds in his financial account via an Asynchronous Transfer Mode (ATM) machine or cash machine. While playing a game, if a patron runs out of cash and needs to access the funds in his bank account, he must stop the play at the gaming or amusement device, find an ATM machine, extract cash, convert the cash into cash equivalent (if necessary) and then return to the gaming or amusement device, and if it is not already occupied, insert the cash or the cash equivalent into the gaming or amusement device to continue play. Many players find this interruption in the gaming process not desirable, primarily because they don&#39;t want to loose their gaming device or position. Therefore there is a need for a more convenient way for the patrons to access their funds while playing in a gaming or amusement device without having to leave their device or position. 
     An ATM or a cash machine operates over an ATM network such as NYCE, PLUS, STAR, to transfer money from a cardholder&#39;s financial account to the ATM operator&#39;s account. The ATM operator or the property owner of the facility where the ATM is positioned and operated is responsible for loading the cash supply in the ATM, for the security of the cash, and for the maintenance of the ATM machine. Normally an ATM is connected to an ATM network, which is then connected to the customers&#39; financial account. Financial institutions and banks have signed contracts with the ATM network to transfer money out of the customer&#39;s financial or bank account to the ATM network, and the ATM network pays the operator of the ATM. 
     A gaming device that accepts cash or cash equivalent funds from a patron, holds the funds in the form of “game credits” while the patron plays at the gaming or amusement device and enables the patron to retrieve his funds at any time. Therefore, gaming and amusement devices do not require the patron to input a wagerable or playable amount of money in the gaming or amusement device each time the player wishes to play a device. When the patron wins, the gaming or amusement devices do not require the patron to immediately take the winnings, if the patron desires to continue play. Furthermore, gaming or amusement devices provide a mechanism by which the patron can input and maintain a pool of money (i.e., credits) or for amusement credits of non-cash value in the gaming or amusement device to play many games of the gaming or amusement device. The gaming or amusement device can also accumulate and store the patron&#39;s winnings When the patron wishes to stop playing, the gaming or amusement devices provide a mechanism by which the patron can retrieve the money or non-cash value credits that remain in the pool. Accordingly, there is a need for an efficient fund transfer process to a gaming or amusement device that does not include the inefficient conversion of funds from bank accounts to cash to credit. There is also a need for a fund transfer process to a gaming or amusement device that does not require a large amount of cash in float in the gaming or amusement devices throughout the gaming or amusement facility. There is also a need for a less costly way for providing funds for gaming/amusement purposes. 
     Problems facing the current electronic funds transfer systems include security and fund transfer confirmation. Many regulatory agencies do not approve electronic funds transfer systems that do not confirm the fund transfer, i.e., there is no lasting evidence that a fund transfer has occurred. Therefore the electronic fund transfer system needs to provide such evidence, so that electronic funds transfers can occur in a more secure fashion. Accordingly, there is a need to make a secure electronic funds transfer system. A further need exists to provide evidence of the electronic transaction. A still further need exists to provide a wireless electronic fund transfer system designed to place the funds in the patron&#39;s hands rather than directly in the credit meter of the gaming device. 
     Further, in current gaming systems, because the transfer of money to game play is seamless, the gaming or amusement device is required to have the ability to send and receive authorization information, realize an amount of money that has been transferred, convert the money amount into a game or amusement credit amount, add or subtract an amount of credits that the player thereafter wins or loses and issue an appropriate cash out when the player desires. Accordingly, the game device&#39;s processor handles the normal game accounting in combination with the electronic funds transfer accounting. 
     Card and/or ticket systems are also used in connection with gaming or amusement machines, in cases where the gaming or amusement machines issue and accept cards and/or tickets in lieu of money. Such systems provide a workable cashless system on a local or property level. The casino operator redeems an amount of money from the card system for the assigned card and/or from the value imprinted on the ticket through visual inspection or via a ticket validation system. Card and/or ticketing systems are advantageous because they reduce the amount of cash transactions and the need for the patron to transport and hold large amounts of cash or coins. Consequently, ticketing systems have become common in most gaming and amusement jurisdictions. Various manufacturers produce these types of ticketing systems. These systems require each machine to have a card reader and/or ticket printer. 
     The role of the card reader device and/or ticketing machines has recently been expanded to enable patrons to redeem the card value and/or ticket at a gaming or amusement device. As before, the card and/or ticketing system issues cash out card credit to the card system and/or ticket in response to a patron&#39;s cash out request. In the expanded role, the cash out card and/or ticket includes information that enables the patron to present the card and/or ticket to a cashier or redemption machine, as before, or to re-insert the card and/or ticket into a gaming or amusement device configured to accept card and/or ticket transactions. 
     In this expanded role, the card and/or ticket accepting gaming or amusement devices must now contain a card and/or ticket reader as well as the card system communication and/or ticket printer. In the expanded system, the cash out card communicates with a local card system which tracks date and time of cash out credits for the identification card and the ticket typically contains a barcode, a written ticket amount, the time and date of printing, a numerical representation of the barcode and other identification and validation information specific to the property. To redeem the card and/or ticket for its cash or non-cash value, the patron either presents the card and/or ticket to the operator, who validates the card and/or ticket and pays the patron an amount of money or prizes, or the patron inserts the card and/or ticket into a card and/or ticket-ready gaming or amusement device, whereby the gaming or amusement device provides the patron with a number of credits equal to the amount represented by or encoded in the card system or on the ticket. 
     The controllers of the card and/or ticket-ready gaming devices are adapted to coordinate with the card and/or ticket validation system. For example, when a payout is issued the card and/or ticket is inserted into a card and/or ticket reader equipped in a gaming or amusement device, the ticket reader forwards information, which can be stored on a barcode in the instance of tickets, to the game&#39;s or amusement&#39;s controller. The game or amusement controller recognizes this information as card and/or ticket information and forwards the card and/or ticket information to a card and/or ticket validation system outside the gaming or amusement device. The card and/or ticket validation system analyzes the card and/or ticket information, and if the card and/or ticket is valid, the card and/or ticket validation system provides the game or amusement controller with an authorization to credit the gaming machine with the amount represented by the credits in the card system or represented by encoded value on the ticket. 
     Alternatively, if the card and/or ticket validation system detects that the card and/or ticket is not valid, the card and/or ticket validation system instructs the game or amusement controller to reject the card and/or ticket. The card and/or ticket validation system may also log the failed attempt in a statistical database that will record the Information for future reference. 
     Card and/or ticketing benefits each patron, not just those wishing to access funds from or near the gaming and/or amusement device. Gaming and amusement establishments have also become familiar with the card and ticketing systems and their proven performance. Card and ticketing systems are proliferating within the gaming and amusement industry. 
     Accordingly, a need exists for an electronic funds transfer system that eliminates the inefficiency of the intermediary step of having to use an ATM cash machine to transfer money from a patron&#39;s bank account to a gaming device. Furthermore, a need exists for an electronic funds transfer system that utilizes the card and/or ticketing system&#39;s hardware and software as much as possible to avoid duplication of such hardware and software in accounting for the transfer of the electronic funds. 
     SUMMARY OF THE INVENTION 
     The present invention provides a device, a system and a method for electronic funds transfers that originate from a gaming or amusement device using a secure ATM-like terminal, to withdraw money electronically from a user&#39;s financial account, and to transfer credit to a slot, table or amusement host system. The amusement host system then dispenses a confirmation of credit at the gaming or amusement device, which can be a printed ticket of equivalent value, or issued credit to a player card confirmed at the gaming device or credits the gaming device directly. The electronic fund transfer (EFT) system includes an EFT terminal that accepts secure PIN based ATM transactions at a gaming device, a secure payment gateway that routes transactions to the ATM network, and a system by which to route confirmation of funds to a funds management portal with appropriate information on which gaming device is associated with the transaction. The funds management portal then connects to a host system and the host system specifies at which gaming device to print out the ticket or to which gaming device to credit the transferred funds. Alternatively, the EFT system is used to transfer funds from the user&#39;s financial account securely to a prepaid debit card, which debit card may be a player card issued by the gaming facility for loyalty purposes. Such player cards can be used by the user just like any Visa, Master Card, or as an ATM card, and the player card can be used to track the user&#39;s spend and game playing and for the user to earn “Free Plays” from the casinos, and earn other rewards for using their cards while playing games. 
     In general, in one aspect, the invention features an electronic fund transfer system for managing and transferring electronic funds from a user&#39;s financial account to a credit system. The system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user&#39;s financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user&#39;s financial account to the credit system via the secure payment gateway. The funds management portal is configured to account and reconcile the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user&#39;s financial account to the credit system and means for transmitting the fund transfer instructions to the user&#39;s financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user&#39;s financial account and to transmit the instructions for transferring electronic funds from the user&#39;s financial account to the credit system via the secure payment gateway. 
     Implementations of this aspect of the invention may include one or more of the following features. The physical or electronic credit means may be tito tickets, vouchers, chips, credits on a gaming device, credits on a remote electronic game, or credit to a player&#39;s card system. The system may further include a gaming device configured to receive the physical or electronic credit means. The EFT device may be a payment card industry (PCI) and pin entry device (PED) certified device. The EFT device includes a point-of-sale (POS) personal identification number (PIN) entry keypad, a payment card reader, a display, network connectivity modules, a printer, a printer port, secure mobile applications and one or more EFT applications. The payment card reader may be a smart card reader, magnetic card reader, contactless card reader, proximity mobile payments reader that enables communication with smart phone devices or contactless proximity card reader that processes secure smart ticketing and electronic payments using contactless secure mobile commerce technology. The means for transmitting the fund transfer instructions from the EFT device to the user&#39;s financial account may be secured wireless data network, or secured wired data network. One of the EFT applications may be a user interface application and the user interface application includes one or more fields identifying the credit system to which the electronic funds are to be transferred, ATM network, type of transaction, electronic fund amount to be transferred, date, time, name of host system, or name of user. The funds management portal includes a database with encrypted data, a communication interface to the secure payment gateway, a communication interface to the host system, an operator user application, a firewall between the funds management portal and the host system, and a firewall between the funds management portal and the secure payment gateway. The database includes encrypted data for each electronic fund transaction and the encrypted data comprise at least one of EFT device ID, transaction ID, credit system ID, user&#39;s name, host system&#39;s name, transaction value, date, or time. The secure payment gateway connects to the ATM network via a single, secure, access controlled connection. The connection is access controlled by an application privilege protocol and secured by an application security protocol and the application privilege protocol is managed by the secure payment gateway and comprises a first table associating Global Unique Identifiers (GUIDs) of EFT applications, ATM networks, and user financial accounts available to the EFT device. The application security protocol comprises one of secure HTTP (S-HTTP), link encryption or web services security (WS-S). The secure client-side application comprises an application user interface. The EFT device comprises a communication device upon which the client-side application is executed. The EFT device may be a mobile phone, smartphone, personal digital assistant (PDA), payment module, portable computer, personal computer, server, or a computing circuit. The system may further include a printer connected to the credit system and the printer is configured to print tickets and vouchers. The gaming device may be a slot machine, a table game device, a betting parlor, kiosk, poker, pan, pai gow, race and sports book, race track, pari-mutuel betting, keno, bingo, or an amusement device. The system may further include a plurality of EFT devices and a plurality of printers connected to a plurality of gaming devices. The ATM network may be one of PLUS, STAR, CIRRUS, INTERLINK, MONEY PASS or NYCE. The network connectivity modules may be Bluetooth, infrared, optical, radio frequency, GPRS, satellite, wired, or wireless modules. The EFT device requests functionality from the secure payment gateway via one of Extensible Mark-up Language (XML) messages embedded in Simple Object Access Protocol (SOAP) requests, Action Script Message Format (AMF), or Secure Mobile Application Platform (SMAP). 
     In general, in another aspect, the invention features an electronic fund transfer method for managing and transferring electronic funds from a user&#39;s financial account to a credit system. The method includes the following steps. First, providing a credit system configured to dispense credit to a user via physical or electronic credit means. Next, providing an electronic fund transfer (EFT) device comprising a secure client-side application for receiving instructions from the user for transferring electronic funds from the user&#39;s financial account to the credit system and means for transmitting the fund transfer instructions to the user&#39;s financial account. Next, providing a secure payment gateway configured to connect to the user&#39;s financial accounts via a financial asynchronous transfer mode (ATM) network. Next, providing a host system connected to the credit system via a local network. Next, providing a funds management portal connected to the host system and the secure payment gateway and configured to account and reconcile the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. Next, connecting the EFT device to the secure payment gateway and communicating with the user&#39;s financial account and transmitting the instructions for transferring electronic funds from the user&#39;s financial account to the credit system via the secure payment gateway. Finally, transferring electronic funds from the user&#39;s financial account to the credit system via the secure payment gateway. 
     In general, in another aspect, the invention features a method for managing and transferring electronic funds from a user&#39;s financial account to a credit system. The method includes the following steps. First, providing an electronic fund transfer (EFT) device. Next, initiating an application in the EFT device via a payment instrument, thereby causing the EFT device to send a request to a secure payment gateway to connect to an ATM network of the user&#39;s financial account associated with the payment instrument. Next, checking if the payment instrument is acceptable by the secure payment gateway, and if the payment instrument is acceptable, sending a response to the EFT device comprising a user interface of the financial application associated with the payment instrument. Next, entering user name and PIN in the user interface by the user and sending the entered information to the secure payment gateway. Next, sending a request comprising a GUID of the financial application associated with the payment instrument, user name, user&#39;s financial account and user&#39;s PIN to an ATM network server. Next, sending the received request from the ATM network server to a financial server of the user&#39;s financial account. Next, confirming access to the financial application via the secure payment server to the EFT device by the financial server and presenting available electronic fund transactions to the user via the user interface. Next, selecting desired electronic fund transaction by the user and entering electronic fund transaction details in user interface fields. Next, sending desired electronic fund transaction details to the financial server via the secure payment server. Next, processing requested desired electronic fund transaction by the financial server and sending electronic fund transaction confirmation to the secure payment server. Next, sending electronic fund transaction confirmation to the EFT device and to the funds management portal by the secure payment server. Next, transferring the electronic fund transaction confirmation to a host system by the funds management portal. Next, transferring the electronic funds to a credit system by the host system and printing a ticket indicating electronic funds transacted via a printer connected to the credit system or crediting a specific gaming device. Finally, receiving the printed ticket by the user and using it in a gaming device or cashing it out. The payment instrument may be a payment card, smart card, magnetic card, contactless card, smartphone or a proximity card. 
     Among the advantages of this invention may be one or more of the following. The invention provides a gaming or amusement device having an EFT system that employs existing card and ticket system hardware where applicable. The EFT system incorporates secure ticketing and banking networks. Furthermore, the invention provides a method of electronically transferring funds to the user for subsequent gaming or non-gaming uses. Yet another advantage of the present invention is to provide a receipt to the user, so that the user has a record or evidence of the electronic fund transaction. The present invention provides convenience to users and efficiency and cost savings to gaming and amusement facilities. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1  is an overview diagram of the EFT system; 
         FIG. 2  is a block diagram of the ACS funds management portal of  FIG. 1 ; 
         FIG. 3  is a block diagram of the EFT device of  FIG. 1 ; 
         FIG. 4  is a block diagram of the EFT device and the secure payment gateway; and 
         FIG. 5  and  FIG. 6  depict the flow diagram of the EFT process. 
     
    
    
     DETAILED DESCRIPTION OF THE INVENTION 
     The present invention relates in general to an electronic funds transfer system (EFT) for transferring gaming credits to gaming or amusement devices. 
     The gaming or amusement device system normally contains a cash acceptance device (bill acceptor) to convert cash into credits for play. It may also contain a loyalty card system and/or a ticketing system that includes a ticket reader and a ticket printer to print tickets when the user is ready to “Cash Out” such that the value remaining in the gaming or amusement device can be printed on the ticket with a special barcode or system recognizable code for use in another machine or can be redeemed for cash with a cashier or attendant in the specific gaming or amusement facility. Normally credit is issued on the gaming or amusement device when cash is inserted into the device, or ticket with value on it is read by the device, or a loyalty card is read which can provide free play, thus allowing the user to play the game. If a user is playing on a gaming device and runs out of credit and has no more cash to put into the gaming or amusement device, the user is forced to leave the gaming or amusement device, in order to find an ATM cash machine, kiosk or cashier station to withdraw cash, and then return to the gaming or amusement device. 
     The EFT System contains a secure ATM like terminal with PIN (Personal Identification Number) pad that is Payment Card Industry (PCI), PIN Entry Device (PED) certified along with a magnetic stripe and smart card reader, and a display, which allows the user to obtain cash equivalent without having to leave and find a ATM machine. The EFT terminal device can be an external attachment to the gaming or amusement device or embedded in the gaming or amusement device. Each EFT terminal is associated with a specific gaming or amusement device. The process works similar to an ATM process. 
     When the user swipes his debit card, enters a PIN and requests a specific amount to be debited from his account (for a fee), the EFT terminal sends a secured request via a wireless or wired data network, through the EFT system out to a financial network for approval or denial of an ATM debit transaction request. If the transaction request is approved, the EFT system provides authorized cash value credits to be sent back to a host system. The host system initiates and prints a ticket with the transferred amount of value, at the specific gaming device where the EFT terminal is located. Alternatively, the host system updates the user&#39;s loyalty/prepaid debit card account with the transferred amount of fund. The user can use the card or ticket on a variety of gaming or amusement devices to receive game credits or redeem the card or ticket for cash through the authorized gaming or amusement device system. 
     The card and/or ticket validation system is connected to or is in communication with a card and/or ticket validation network. The card and/or ticket validation system includes a card and/or ticket validation server and operator interfaces, to enable the operators to redeem card credits and/or tickets as well as to monitor card and/or ticketing transactions. The card and/or ticket validation network enables a plurality of gaming or amusement device processors in the same casino or property establishment to communicate with the same card and/or ticket validation system. 
     The ticket reader uses software for reading the barcode of a ticket, and after reading the barcode, the ticket reader passes the barcode information to the processor of the gaming or amusement device. The gaming or amusement device then forwards the barcode information to the ticket validation system via the ticket validation network to verify its authenticity. After verifying the authenticity, the ticket validation system presents an authorization to the gaming or amusement device for the ticket amount, via the ticket validation network, and the gaming device in turn adds credits to its credit meter in the amount authorized by the ticket validation system. Finally, the gaming or amusement device instructs the ticket reader to retain the used ticket internally so that it is not returned to the presenter. 
     The ticket validation network is thus preferably a local area network. This local area network, in turn, is connected to or is in communication with a secure payment gateway that validates electronic fund requests. The gaming devices are also equipped with EFT terminals (electronic funds transfer ATM units) that control a card reader, a secure PCI certified PIN Pad and a display for enabling a user to enter the user&#39;s account number, transaction type (i.e., credit or debit), desired transfer amount and personal identification number (PIN). The display prompts the user for such information and informs the user of fund request approvals and rejections. A printer may be attached to print out a receipt for evidence of the transaction. 
     The present invention enables the user to enter the required fund transfer information, (which can include the PIN number, transaction type, and the transfer amount.) The request is processed and, if approved, the player receives a cash equivalent ticket in the amount of the requested transfer or the gaming device is credited with the approved amount. This effectively emulates every step that an ordinary ATM does except the output is a ticket or credited credits to a specific gaming device instead of cash. The cash equivalent ticket is redeemable for cash through a ticket redemption machine, cashier station or kiosk, or for placing credits into a gaming or amusement device that has a card and/or ticket reader. The present invention therefore provides time for the user to confirm the user&#39;s decision to withdraw the money. The user can choose to not spend the money, to wager the money or to spend it in a non-gaming fashion. 
     The user can also remove money from their debit card accounts on one machine with the idea of playing the money or credit/ticket at another machine. This enables machines that accept user cards or tickets, but not debit cards, to accept funds from a debit card transaction. Further, by communicating through the gaming or amusement device host system to the printer that already exists in a gaming or amusement device, the cost of a separate ticket printer is eliminated. Having one printer instead of two reduces the number of printer rolls that the gaming establishments have to stock and reload. 
     The processor of the gaming or amusement device is still connected to or in communication with the ticket reader/validator and is responsible for verifying validity of the ticket. The EFT system communicates a request to the card and/or ticket system which after authorization of funds transfer, provides credits associated to the card or prints a ticket with a barcode from the gaming or amusement device. 
     In operation, the user withdraws money by inserting a payment card into a specific EFT terminal associated with a specific gaming device, the user selects payment transaction type and account by which it is withdrawing funds, it accepts any service charge fees associated with the transaction, then enters a PIN number and an amount, then the transaction request goes out through the network which the EFT terminal is connected to (wireless or wired), to the secure payment gateway server of the EFT system, which transmits the request through the financial network to process the transaction request, which returns an appropriate response over the financial network, back to the secure payment gateway server, which routes a specific response back through the appropriate network to the specific EFT terminal assigned to a specific gaming or amusement device or location. 
     If the user&#39;s money transfer request is approved, the specific EFT terminal will get a message like “Transaction Approved, Please wait for Tito Ticket to be Printed” or the gaming device is automatically credited with the approved amount requested, and it may also print out a separate receipt “evidence” for the ATM transaction from a separate thermal printer as part of the EFT terminal, simultaneously the secure payment gateway of the EFT system communicates to a funds management portal (gaming or amusement gateway) of the EFT system, to specify which specific gaming or amusement device has successfully withdrew how much money. The funds management portal then communicates with the slot, table or amusement host system for the specific gaming or amusement device printer to print a ticket for the user, which the user can use with any gaming device that will accept such a ticket, or credit the gaming device automatically with approved amount requested. The user can alternatively redeem the ticket for cash, or request a ticket for the credits. 
     If the user&#39;s money transfer request is denied for whatever reason, the secure payment gateway of the EFT system will simply send a denial message back to the EFT terminal and request either a different PIN or payment card, or for the user to cancel and exit the transaction. 
     Alternative to printing a ticket, the EFT System may tie directly into the credit system of the gaming machine, thereby eliminating one more step of printing and reinserting the ticket back into the machine to play. The user can simply continue playing with the new credit received, or it can hit the “Cash Out” button for the printer to print the ticket, or transfer the funds directly back to the user&#39;s financial account. 
     Alternative to printing tickets, the value can also be transferred by the EFT system from the user&#39;s financial account into a stored value player card. The player card can be used in the gaming or amusement device to transfer stored value into credits in the gaming or amusement device, and “Cash Out” back into the player card. Traditional player cards today are typically loyalty cards only and does not contain a stored value aspect that can allow the user to use the card in an open loop environment to shop or dine anywhere that accepts Visa or Master Card. The proposed invention allows a loyalty card to be coupled with a prepaid debit card into one player card. By allowing a transfer of funds from one&#39;s financial account to a player card via the EFT System, the user can securely use his player card and obtain reward points from the gaming or amusement establishment, while the gaming or amusement establishment has a way to maintain loyalty and get to know its users&#39; habits better. 
     Referring to  FIG. 1 , an electronic fund transfer (EFT) system  100  includes gaming devices  101 ,  102 ,  103 , gaming credit systems  105   a ,  105   b ,  105   c , a gaming host system  140 , EFT devices  110 , a payment gateway  120  and a funds management portal  130 . Host system  140  (or Casino Management System) is connected to the gaming credit systems  105   a ,  105   b , and  105   c  via a local network. Each gaming credit system  105   a ,  105   b ,  105   c  is also connected to a printer  106 ,  107 ,  108 , respectively for printing tickets. EFT devices  110  are placed in the same locations as the gaming devices  101 ,  102 ,  103 . EFT devices  110  communicate with the ATM networks  150  via a network connection. All communications between the EFT devices  110  and the ATM networks  150  pass through the secure payment gateway  120 . The ATM networks  120  provide connections to the user&#39;s financial accounts  151 ,  152 ,  153  from where the funds are withdrawn. In one example, the financial account is a bank account. In other examples, financial accounts are online bank accounts, investment account, business, accounts, credit lines, credit card accounts, debit card accounts, or PayPal accounts, among others. Examples of ATM networks include PLUS, STAR, CIRRUS, INTERLINK, MONEY PASS, among others. The fund transfer is communicated back to the secure payment gateway  120  via the ATM networks  150  and the payment gateway  120  transmits the fund transfer to the funds management portal  130 . The funds management portal  130  receives the fund transfer confirmation from the payment gateway  120  and sends it to the gaming host system  140 . The gaming host system  140  then transmits the funds to the appropriate gaming credit system  105   a - 105   c  that was designated by the user. 
     Referring to  FIG. 2 , the ACS funds management portal  130  includes a database  135 , firewalls  131 ,  139 , interfaces  132 ,  134  and an operator user application  137 . Firewall  131  is located between the ACS funds management portal  130  and the Roam secure payment gateway  120 . Firewall  139  is located between the ACS funds management portal  130  and the gaming host system  140 . Interface  132  is for communications between the ACS funds management portal  130  and the Roam payment gateway  120 . Interface  134  is for communications between the ACS funds management portal  130  and the gaming host system  140 . Database  135  includes encrypted data for each transaction  133 . The transaction data include a transaction ID, a gaming credit system ID, a gaming device ID, user&#39;s name, transaction value, date and time. 
     Referring to  FIG. 3 , an EFT terminal  110  includes a display  112 , a keypad/PIN entry  114 , a payment card reader  116 , connectivity modules  118 , a printer and/or printer ports  119 , and EFT applications  115 . The payment card reader may be a smart card reader, magnetic card reader, contactless card reader, proximity mobile payments reader that enables communication with smart phone devices or contactless proximity card reader that processes secure smart ticketing and electronic payments using contactless secure mobile commerce technology. EFT applications  115  include applications that identify the gaming credit system and gaming device associated with the EFT terminal, ATM network, type of transaction, amount to be transferred, date, time and name of user. 
     Referring to back  FIG. 1 , one or more EFT devices  110  interact with the payment gateway  120  via network connections  111 . The payment gateway  120  is in contact with the user&#39;s bank accounts  151 ,  152 ,  153 , via the ATM/Debit networks  150 . The ATM networks  150  are connected to the payment gateway  120  via a single, secure, access controlled connection  160 . 
     EFT devices  110  are usually handheld remote communication devices on which the application user interface is executed. Examples of handheld communication devices include ROAM terminals, mobile phones, personal digital assistant (PDA), payment modules and portable computers, among others. In other embodiments EFT devices  110  are not-handheld device, such a personal computer, server or any other computing circuits. EFT components for use with gaming systems may also be an external attachment or embedded in a slot machine or amusement device. EFT devices may also include remote/mobile/handheld system components or terminals assigned to table games and parlor games. Table game specific tethered processing terminals may include embedded swipe components fitted to seated game stations in race and sports book, keno and bingo operations, or swipe components embedded into mobile handheld games. 
     Payment gateway  120  is a single, secure pipeline through which the ATM networks  150  and the EFT devices  110  communicate. EFT devices  110  are able to contact only payment gateway  120  and payment gateway  120  controls the communications between the ATM networks  150  (and its potentially sensitive or proprietary data) and those EFT devices that wish to use it. This enables authentication of the EFT device and application, as well as encryption and secure transmission of network requests from the EFT device  110 . 
     Referring to  FIG. 3  and  FIG. 4 , EFT device  110  includes an operating system or managed code environment  1100  in which application player  1110  is executed. The managed code environment  1100  is in contact with device drivers  1200 . Device drivers  1200  are any hardware access layer modules that allow the player  1110  to access peripheral devices such as card readers  116  or printers  119 . Application player  1110  is in contact with browser configuration components  1400  and an offline application cache  1300  with its associated offline application data  1310 . The application player  1110  requests functionality from the payment gateway  120  through XML messages embedded in Simple Object Access Protocol (SOAP) requests and then interprets the XML messages it receives embedded in SOAP responses from the payment gateway  120 . The application player  1110  has access to a local list of ATM networks it is authorized to request and relevant security keys and settings. The payment gateway  120  includes a server-side intermediary  3400  that receives the XML messages embedded in SOAP requests from the player  1110  and sends to the player  1110  XML messages embedded in SOAP responses. As mentioned above, the format of communications between the application player  1110  and the server-side intermediary  3400  is XML and the communication connection is via a SOAP interface  2100 . 
     In one example, the managed code environment  1110  is a Small Technical Interoperability Platform Virtual Machine (STIP VM). Other examples of the managed code environment  1100  include Java 2 Platform Micro Edition (J2ME), .NET and Flash Lite, among others. Operating environment  1100  provides a way for the player  1110  to access operating system resources. The managed code environment  1100  executes the application player  1110 , which is in contact with browser configuration components  1400  and an offline application cache  1300  with its associated offline application data  1310 . Offline application cache  1300  is a set of applications (XML files) that this player instance has downloaded. Offline data cache  1310  is the set of stored web service calls that each application has saved for later execution on the application server host. These stored web service calls enable the offline functionality. Browser Configuration Components  1400  is a set of device-specific parameters that the player  1110  and its applications use to tailor the users experience of applications. These configuration components are locally stored name-value pairs that can be managed both locally and remotely via the server  3000 . Examples of browser configuration parameters include, maximum size of the offline cache, auto-player-update on/off, auto-application-update on/off, and debug logging on/off, among others. 
     Referring again to  FIG. 4 , payment gateway  120  includes a server-side intermediary or gateway web service  3400  through which all communications to and from the EFT devices  110  pass. The server-side intermediary  3400  has access to a database with a table that associates Global Unique Identifiers (GUIDs) with the remote ATM networks. The Gateway web service  3400  comprises one or more server-side machines that act as intermediaries between the EFT devices  110  and the application servers  4000  which host the ATM networks that provide bank account access to the EFT devices  110 . These one or more server-side machines include a load-balancing intermediary  3410 , a SOAP message cache  3420 , a policy intermediary  3430  and an entitlement module  3440 . The load-balancing intermediary  3410  is designed to facilitate the demands of numerous EFT devices  110  simultaneously by dispatching requests evenly among the various server-side machines that comprise the payment gateway  120 . The SOAP Message Cache  3420  is a queue of SOAP messages to be executed by the server whose results will typically be passed back to an EFT device  110 . The policy intermediary  3430  ensures that only authorized users on authorized EFT devices can access the requested ATM networks and bank accounts. The entitlement module  3440  controls the access that a request has to the resources it desires. Fine grained web service access control is enabled by this entitlement module. 
     The Gateway web service  3400  is in communication with an application database  3100 , an application store and cache  3200 , a management UI  3300 , an application registration service  3500 , a remote call handler  3600  and an API handler  3700 . The application database  3100  includes a set of application XML files representing the currently available applications in the system. The application database  3100  cross-references Globally Unique Identifiers (GUIDS) sent by the client application player  1110  with the XML user interface of the requested ATM network and bank account. The application store and cache  3200  is an interface into the application database  3100  that conforms to the Universal Description Discovery and Integration (UDDI) discovery standards for machine readable service functionality discovery. Management User Interface (UI)  3300  is a set of web application screens that allow data center administrators to control the use of the system, for example, allowing or disallowing access to a particular ATM network, or promoting an application from test to production. The Application Registration Service  3500  is the module that allows the developer to publish an application from the Integrated Development Environment (IDE). The remote call handler  3600  executes properly authenticated web service calls and the Application Program Interface (API) handler  3700  is an interface that external services  5000  (like payment processors) implement in order to be accessed from within the system. 
     Payment gateway  120  securely handles interaction between the EFT devices  110  and the application servers  4000  which host the ATM network web services that provide access to the user&#39;s financial accounts, and between the EFT  110  and any supporting applications  5000 . All data processing and other calculations and manipulations are executed by ATM network web services hosted on application servers  4000 . The user&#39;s experience on the EFT device  110  comprises only display of an XML user interface and subsequent display of application results, also received in the form of XML. 
     Payment gateway  120  provides a single, secure, access-controlled and actively managed channel from the application running on the EFT device to the (one or more) ATM network web services. Since the player  1110  communicates only with the payment gateway  120 , applications running on the EFT device  110  cannot connect with unauthorized web applications and are therefore secure. The system is secure along all links via the use of industry standard link encryption and access controlled at all interfaces via the use of industry-standard user authentication. Link encryption refers to communications security protocols that encrypt and decrypt all traffic at each end of a communications line. Examples of industry standard link encryptions include secure HTTP (S-HTTP), web-services security (WS-S) and Way Systems Secure mobile application platform (WS-SMAP), among others. User authentication refers to the process of establishing or confirming the digital identity of a user or device such as the EFT device  110  or the servers  4000  and  5000 . Examples of industry standard user authentication include WS-S, lightweight directory access protocol (LDAP) and proprietary device authentication, among others. 
     Payment gateway  120  provides fine-grained access control over web service (WS) access organized by remote-user and remote-device that spans multiple WS hosts and organizations and requires no instrumentation of the individual web services. As was mentioned above, the payment gateway  120  maintains access-control lists that relate users and EFT devices to individual ATM network web services and provide for granting and denying access by those users to those services. These lists contain the unique combination of GUIDS and the identity of remote ATM network web services available to the EFT devices  110 . 
     A key feature of application security best-practice is the concept of non-repudiation. Non-repudiation is defined as the ability of a component to prove that a particular action of that component was driven by an interaction with another component rather than by some invisible, internal process of that component. The key enabler of non-repudiation is auditing, the storage of a trail of actions and data that can easily be used to reconstruct the interactions of the components of the system. The payment gateway  120  provides a complete audit trail of the interaction of ATM network web services with the remote EFT devices  110 , thus ensuring non-repudiation. This audit trail identifies the EFT device, the user, and the details of the underlying remote connection to the device. In one implementation, fine-grained access control and auditing enable the payment gateway  120  to bill users at an equally fine-grained level. This enables tiered service by enterprises implementing the system where users can be billed for individual calls within a session rather than at the more coarse system of billing for time spent within the application. 
     In operation, a user starts the application player  1110  on the EFT device  110 . The application player  1110  consults first the offline application cache  1300  and presents a list of those applications which this EFT device  1000  and user are authorized to execute. Referring to  FIG. 5  and  FIG. 6 , if the EFT device  1000  and the payment gateway  120  are both actively connected to the network, the process includes the following steps. First, a user slides a debit card in the EFT device ( 401 ). This action starts an application player (AP) in the EFT device and the AP sends a SOAP request to the Roam payment gateway intermediary server (IS) to connect with the ATM network of the bank account associated with the debit card ( 402 ). The IS checks a database and if this is an acceptable debit card it sends a SOAP response to the EFT device containing the user interface (UI) of the bank account associated with the debit card ( 403 ). The UI requests a user name and a PIN, the users enters his user name and PIN and the information is sent to the IS ( 404 ). Next, the IS sends to the debit network server a request containing a GUID for the bank account associated with the debit card, the user&#39;s bank account information, and the user&#39;s PIN ( 405 ). The debit network server forwards the received information to the specified bank server ( 406 ) and the bank server confirms access to the Roam payment gateway IS via the debit network ( 407 ). The Roam payment gateway IS confirms access to EFT and the UI presents all available transactions ( 408 ). Examples of the available transactions include fund transfer, withdrawal, deposit and balance inquiry, among others. The user selects a desired transaction and enters the transaction details in the corresponding UI fields. The AP then sends a SOAP request to IS with the requested transaction ( 409 ). Typical transaction details include, amount, currency, gaming device, among others. The IS receives the SOAP request, determines appropriate debit network server for the requested transaction and sends the request to the debit network server ( 410 ). The debit network server transmits the request to the appropriate bank server ( 411 ) and the bank server processes the requested transaction, sends (or receives) the requested funds and a transaction confirmation to the IS via the ATM network ( 412 ). Next, the IS sends the transaction confirmation to the EFT device ( 413 ) and the transaction details and funds to the ACS funds management portal ( 414 ). The ACS funds management portal checks its database for the appropriate gaming device/ticket printer and transfers the transaction details and funds to the appropriate gaming device/ticket printer via the host system ( 415 ). The host system then transmits the funds to a gaming credit system and a ticket printer associated with the appropriate EFT device and the printer prints a ticket with the requested amount ( 416 ). The user receives the printed ticket with the credited funds and uses it in the gaming device or cashes it out ( 417 ). 
     A typical network connection between Roam Payment gateway intermediary server (IS)  120  and the external web services is HTTPS/TCP/IP over the public Internet. Other examples of physical networks supported include, GSM, iDEN, D-AMPS, cdmaOne, PDC, CSD, PHS, GPRS, HSCSD, WiDEN, CDMA2000 1xRTT, EDGE, W-CDMA, UMTS, FOMA, CDMA2000 1xEV, TD-SCDMA, UMA, HSDPA, HSUPA, SONET, Ethernet, Ethernet V2, X.21, and ISDN among others. 
     Other implementations of the invention may replace the SOAP  2100  with Action Script Message Format (AMF)  2200  or SMAP  2300 . SOAP interface  2100  is one of the potential mechanisms by which the player and server communicate. Only one of  2100 ,  2200  or  2300  is used in any player deployment. SOAP is an object oriented Remote Procedure Call (RPC) formatted in XML. AMF  2200  is another communication protocol, currently favored by Macromedia Flash. SMAP  2300  is a communication protocol proprietary to Way Systems that includes transport layer and application layer functionality (i.e., authentication). 
     Several embodiments of the present invention have been described. Nevertheless, it will be understood that various modifications may be made without departing from the spirit and scope of the invention. Accordingly, other embodiments are within the scope of the following claims.