Patent Publication Number: US-2003224854-A1

Title: Apparatus and method for facilitating gaming activity and/or gambling activity

Description:
RELATED APPLICATIONS  
     [0001] This application claims the benefit of the priority of U.S. Provisional Patent Application Serial No. 60/384,707, filed May 31, 2002, entitled “APPARATUS AND METHOD FOR FACILITATING GAMING ACTIVITY AND/OR GAMBLING ACTIVITY”, the subject matter and teachings of which are hereby incorporated by reference herein in their entirety. 
    
    
     
       FIELD OF THE INVENTION  
       [0002] The present invention pertains to an apparatus and method for facilitating gaming activity and/or gambling activity and, in particular, to an apparatus and method for facilitating gaming activity and/or gambling activity via a user communication device.  
       BACKGROUND OF THE INVENTION  
       [0003] Many individuals like to gamble or like to engage in gaming activities and/or gaming events. People have typically been known to flock to casinos and/or other gaming establishments, racetracks, and/or other gaming venues and/or gambling venues. People also enjoy placing bets and/or betting or wager on sporting events or other activities. People also enjoy playing lottery games.  
       [0004] While many individuals enjoy gambling and/or enjoy engaging in gaming activities and/or gambling activities, they may not always have access to particular gaming venues or gaming activities. Further, while many individuals may also be interested making a gaming and/or gambling experience more interesting, more challenging, and/or more exciting, they typically do not have access to certain information, products, and/or services, for enhancing their experience or experiences.  
       [0005] In view of the above, prior art gaming systems and/or gambling systems, as well as conventional gaming practices and/or gambling practices, have failed to provide the gaming community with services, products, and/or other offerings, which would provide for more enhanced gaming and/or gambling activities, environments, and/or experiences.  
       SUMMARY OF THE INVENTION  
       [0006] The present invention pertains to an apparatus and method for facilitating gaming activity and/or gambling activity which overcomes shortfalls in the prior art. The present invention pertains to an apparatus and method for facilitating gaming activity and/or gambling activity via a user communication device. The present invention can be utilized in order to allow a user to engage in gaming activity and/or gambling activity via a user communication device. The present invention can also be utilized in order to facilitate gaming activity and/or gaming activity in a network environment.  
       [0007] The present invention can also be utilized in order to allow a user or individual to select a gaming event(s) or a gambling event(s). The user or individual can place bets via a user communication device.  
       [0008] The present invention can also be utilized in order to allow a user or individual to pre-request to receive information regarding the occurrence of a gaming event or a gambling event. The present invention can also provide a real-time as well as a non-real-time alert or notification message to a user or individual communication device informing the user or individual of any one or more of a gaming event, a gambling event, gaming activity, gambling activity, and/or of information regarding a gaming event and/or a gambling event.  
       [0009] The present invention can also be utilized in order to provide account security for any one or more of a financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), electronic money account(s), a wireless communication device account(s), and/or a cellular communication device account(s), utilized in conjunction with a gaming account.  
       [0010] The present invention can also provide for the administration and management of financial accounts for any of the users, individuals, casinos, gaming facilitators, gambling facilitators, betting halls, betting venues, vendors, sports gaming facilitators, race tracks, sports betting arenas, sports arenas, sports stadiums, financial intermediaries, banks, financial institutions, and/or any other entities described herein. The present invention can also be utilized to administer escrow accounts for gaming activity, gambling activity, and/or betting activity.  
       [0011] The present invention can also be utilized in order to provide notification to a user or individual regarding when a withdrawal(s) is/are made from any of the user&#39;s or individual&#39;s financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), and/or electronic money account(s), which are associated with the user&#39;s gaming account.  
       [0012] The present invention can also be utilized in order to provide notification to a user or individual regarding when a deposit(s) is/are made to any of the user&#39;s or individual&#39;s financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), and/or electronic money account(s).  
       [0013] The present invention can also be utilized in order to allow any of herein-described users, individuals, casinos, gaming facilitators, gambling facilitators, betting halls, betting venues, vendors, sports gaming facilitators, race tracks, sports betting arenas, sports arenas, sports stadiums, financial intermediaries, banks, financial institutions, and/or any other entities, to transfer funds electronically to and/or from any of the herein-described gaming accounts and/or other accounts utilized in conjunction with the present invention.  
       [0014] The present invention can also be utilized in order to allow a user or individual to access, and/or make withdrawals from, any one or more or bank accounts, savings accounts, checking accounts, automated teller machine accounts (ATM), credit card accounts, charge accounts, debit card accounts, smart card accounts, currency card accounts, and/or electronic money accounts, in order to place a bet and/or to pay off a bet.  
       [0015] The present invention can also be utilized in order to facilitate gaming activity and/or gambling activity from a remote location. The present invention can also be utilized in order to facilitate gaming activity and/or gambling activity at a gaming venue remote from the user&#39;s or individual&#39;s physical location. The present invention can also be utilized in order to allow a user or individual to participate in live gaming activity and/or gambling activity via a user communication device.  
       [0016] The present invention can be utilized in order to allow a user or individual to engage in gaming activity, and/or place bets, at one gaming establishment, or at a plurality of gaming establishments, remotely via a user communication device.  
       [0017] The present invention can also be utilized in order to allow a remote user(s) or player(s) to place virtual betting pieces, chips, and/or currency, at a respective gaming table, gaming machine, slot machine, etc. In this embodiment, a display screen can be located at or adjacent to a respective gaming table, gaming machine, slot machine, etc. A remote user(s) or player(s) can also utilize a display screen and one or more user input devices or user interactive devices in order to view a user&#39;s or player&#39;s betting inventory of virtual betting pieces, chips, and/or currency which the user or player can virtually “move” to the respective gaming table, gaming machine, slot machine, etc., in order to place a bet at the respective gaming table, gaming machine, slot machine, etc.  
       [0018] The user&#39;s display screen, which can be a component of, or associated with, the user&#39;s user communication device or computer, can display the user&#39;s inventory virtual betting pieces, chips, and/or currency, show the movement of the user&#39;s virtual betting pieces, chips, and/or currency, to the respective gaming table, gaming machine, slot machine, etc., and show any virtual betting pieces, chips, and/or currency, of the house or of any other remote users or players.  
       [0019] The user or player can utilize an input device or an interactive device in order to “drag” virtual betting pieces, chips, and/or currency, from the user&#39;s inventory to the respective gaming table, gaming machine, slot machine, etc. A user&#39;s winnings can also be transferred to the user&#39;s inventory of virtual betting pieces, chips, and/or currency. The present invention can also be utilized so as to allow a user or users to engage in gaming activity and/or gambling activity at remotely accessed gaming venues, tables, machines, etc.  
       [0020] The present invention can also be utilized to monitor and control a user&#39;s gaming activities. A user communication device which can be utilized for remote gaming activity can be programmed to user&#39;s gaming account or communication device by others. A central processing computer or server computer which can be utilized during a use of the present invention can also be programmed to limit or restrict a user&#39;s gaming activities or the use of the user&#39;s gaming account or communication device by others.  
       [0021] A computer or server computer associated with a gaming establishment, such as, but not limited to, a casino, a racetrack, a stadium, an arena, an off-track betting establishment, etc., can also be programmed to limit or restrict a user&#39;s gaming activities or the use of the user&#39;s gaming account or communication device by others.  
       [0022] The limitations or restrictions on use of a user&#39;s gaming account or communication device can include limitation or a restriction of a negative limitation or restriction (i.e. a gaming activity which is not allowed to be engaged in; a time period(s) during which gaming activities are not allowed, etc.) or a positive limitation or restriction (i.e. a gaming activity allowed to be engaged in, a time period(s) during which gaming activities are allowed, etc.).  
       [0023] The limitation or restriction can include a name of a user of a gaming account, a name of an authorized user of a gaming account, a name of a user or names of users allowed to use a gaming account, gaming activities which are allowed on a gaming account, gaming activities which are not allowed on a gaming account, betting limits on a gaming account, account spending limits on a gaming account, daily betting amount limits on a gaming account, weekly betting amount limits on a gaming account, monthly betting amount limits on a gaming account, yearly betting amount limits on a gaming account, allowed gaming venues, disallowed gaming venues, allowed betting time period(s), disallowed betting time period(s), allowed games which can be bet on, disallowed games which can be bet on, allowed team(s) and/or player(s) which can be bet on, allowed betting amount, disallowed betting amounts, allowed betting venues, locations or places, disallowed betting venues, locations, or places, stop loss limits, allowed betting subject matter, disallowed betting subject matter, etc., and/or any other limitation or restriction described herein and/or which could otherwise be envisioned for any of the gaming or gambling activities with which the apparatus and method of the present invention can be utilized.  
       [0024] The present invention can also perform financial account administration for a user. In this regard, the present invention, and/or any of the user communication devices, central processing computers, server computers, and/or any computer or computer system associated with any of the entities described herein as being able to utilize or participate in the use or operation of the present invention, can be programmed and/or be capable of maintaining a financial gaming account or accounts for any of the users or players described herein, perform credit and/or debit operations regarding financial gaming accounts, perform account record-keeping, perform tax withholding with regards to the financial gaming accounts, report taxable events to the appropriate taxing authorities, maintain periodic records or winnings and losses for the financial gaming accounts, provide periodic transaction summaries and/or gaming account statements for the financial gaming accounts, including the transactions or activities engaged in and any winnings or losses resulting therefrom. The present invention, or any of the computers, computer systems, and/or servers, can be programmed to automatically pay withholding taxes on gaming winnings for a user or player, and can automatically perform any of the herein-described functions.  
       [0025] The present invention can also be utilized to provide information for and/or to promote gaming activities or gambling activities. Information regarding gaming activities or gambling activities can be stored at a central processing computer or server computer. Information regarding a gaming activity or event (i.e. games at a casino, a sporting event, etc.) can be entered by an individual or enterprise who or which may access the central processing computer or server computer and transmit the information regarding the gaming activity or event to the central processing computer or server computer which can then store the information in memory. A user can access the central processing computer and request information regarding any gaming activity or event and receive the information if such information exists.  
       [0026] The present invention can also notify a user or player regarding the posting or information regarding a new gaming activity or event, and/or of new or changed odds regarding a gaming activity or event. The notification can be provided in the form of information provided in real-time and/or otherwise, as any one or more of an electronic transmission, a communication transmission, a beeper, message, a pager message, an instant message, an electronic mail message, a telephone message, a telephone call, a facsimile transmission, and/or any other communication transmission to any of the user communication devices described herein as being utilized in conjunction with the present invention. The present invention can provide wireless alerts to the user or player in order to provide the herein-described notification operations.  
       [0027] The present invention can also be utilized so as to allow a user or player to program a respective central processing computer to provide notification to the user or player of any new gaming activities or gaming events about which the user or player desires to be notified.  
       [0028] The present invention can also be utilized to allow a user or player to access a central processing computer and search for a gaming activity, gaming activities, a gaming event, or gaming events, in which the user or player may desire to bet or participate.  
       [0029] The present invention can also be utilized in order to provide information regarding gaming activities, gaming events, gambling activities, and/or gambling events. A central processing computer or server computer can include a database of information and/or statistics regarding any of the gaming activities, gaming events, gambling activities, and/or gambling events, and/or any of the teams, players, athletes, participants, animals (i.e. horses in horse racing, etc.), which may be involved in or be the subject of any of the gaming activities, gaming events, gambling activities, and/or gambling events. Information can, for example, include, but not be limited to, a casino&#39;s win percentage for a slot machine or for a table game, the average winnings of the house, users&#39; or players&#39; winning percentages, users&#39; or players&#39; losing percentages, average losses by a users or players, a professional boxer&#39;s won/loss record, a sports team&#39;s won/loss record and/or historic record against another team, a respective athlete&#39;s batting average, rushing average, scoring average, etc., and past statistics or performance against a specific opponent, a race horse&#39;s racing won/loss record and/or statistics in a given setting, and/or any other information which a user or player may be interested in obtaining in order to make a more informed bet.  
       [0030] The present invention can also be utilized in order to facilitate gaming or gambling on gaming derivatives and/or gambling derivatives. For example, a bet could be made by a user or player that a casino or house may win a certain amount of money during a pre-specified time period, that a casino or house may make a certain level or amount of payoffs to winning users or players during a pre-specified time period, that a casino or house may win a certain amount to money from a particular game, games, gaming activity, gaming activities, etc., during a pre-specified time period, that a casino or house may win more bets than it losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., that users or players, as a whole, may win more bets than it losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., and/or the percentage of time that spreads are met in outcomes of gaming activities and/or gaming events.  
       [0031] The present invention can be utilized in order to allow or facilitate the making of bets and/or the provide for gaming activities and/or gambling activities involving any derivative bets which can be made on any and/or all facets of a gaming environment and/or a gambling environment.  
       [0032] The present invention can also be utilized in order to allow a user or player to purchase gaming loss insurance and/or gambling loss insurance which can provide insurance coverage for gaming losses and/or gambling losses. The present invention can also facilitate the sale of gaming loss insurance policies and/or gambling loss insurance policies. The present invention can also provide a credit derivative product in the form of a gaming loss insurance credit derivative and/or a gambling loss credit derivative which can be an instrument which a provider or facilitator of the respective gaming loss insurance policies and/or the gambling loss insurance policies can issue to in order to reduce its risk of loss for claims made and required to be paid pursuant to the respective gaming loss insurance policies and/or the gambling loss insurance policies.  
       [0033] In this regard, the present invention can provide a credit derivative or instrument to users or players which will enable the provider of the respective insurance policy to reduce its risk of loss in the event of claims paid out to insureds under the respective policies and which enable a user or player to invest in and/or bet that the insurance policy provider will take in more from premiums under the respective insurance policies than it pays out to claimants under the respective insurance policies.  
       [0034] The present invention can also notify users or players of the availability of the herein-described gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives.  
       [0035] Users or players can purchase a gaming loss insurance policy and/or a gambling loss insurance policy via the apparatus and method of the present invention and the apparatus and method of the present invention can administer the respective policy or policies and service any claims made thereunder. A user or player can submit claims under the insurance policy or policies to a central processing computer or server computer which can administer the policy or policies and/or otherwise provide service or services pursuant to the policy or policies.  
       [0036] A user or player can also purchase a gaming loss insurance credit derivative(s) and/or a gambling loss credit derivative(s) via the apparatus and method of the present invention. A central processing computer can administer the sale and service of the respective a gaming loss insurance credit derivative(s) and/or a gambling loss credit derivative(s).  
       [0037] The present invention can also be utilized in conjunction with state gaming activities of a respective state, country or sovereignty. In this manner, the present can be utilized in a manner consistent with gaming laws, rules, and/or regulations, in the various states, countries or sovereignties, in which, or in conjunction with the present invention can be utilized. In this manner, the present invention can be utilized to facilitate compliance with the various and respective state, country, and/or sovereignty, gaming laws and/or gambling laws and/or so as to facilitate any reporting of gaming activities and/or gambling activities to the appropriate authorities and/or so as to facilitate any payments of fees and/or taxes relating to the gaming activities and/or gambling activities.  
       [0038] The present invention can also be utilized in order to facilitate the playing of state lottery games from any state or country.  
       [0039] The present invention can also provide for gaming activities and/or gambling activities on board any one or more of a gaming establishment or gambling establishment aboard a boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., which can allow or provide gaming activities and/or gambling activities on board same. The present invention can utilize global positioning technology at a user communication device and/or on board the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, and/or commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., in order to ascertain the jurisdiction in which the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, and/or commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., is located and apply the gaming laws and rules for the identified jurisdiction to the respective gaming activities and/or gambling activities.  
       [0040] The present invention can also be utilized in order to facilitate private gaming activities and/or gambling activities between two or more parties.  
       [0041] The present invention can be utilized in conjunction with any gaming activities, gambling activities, and/or games of chance, including, but not limited to, slot machine games, slots, Black Jack, Poker, Craps, Baccarat, Roulette wheel, Keno, Multispin, Multiline, Draw Poker, Reel games, Spin Poker, “21”, pinball, Bingo, Solitaire, lottery games, state or other subdivision lottery games, Powerball lottery games, horse racing, dog racing, jailai, off track betting games, football games, professional football games, college football games, high school football games, little league football games, championship football games or series, baseball games, baseball football games, college baseball games, high school baseball games, little league baseball games, championship baseball games or series, basketball games, professional basketball games, college basketball games, high school basketball games, little league basketball games, championship basketball games or series, professional soccer games, college soccer games, high school soccer games, little league soccer games, championship soccer games or series, professional hockey games, college hockey games, high hockey soccer games, little league hockey games, championship hockey games or series, tennis matches, wresting matches, boxing matches, golf tournament, and/or games, matches, tournaments, and/or competitions, of any type or kind.  
       [0042] The present invention can also be utilized to provide gaming results or gambling results to a user or player.  
       [0043] The apparatus can include one or more of a central processing computer(s) or server computer(s), a user communication device(s), a gaming facility computer(s), a financial institution computer(s), an escrow agent computer(s), and/or a governmental entity computer(s), each of which can be capable of communicating with any of the other respective computers or user communication device(s). The apparatus can also include video equipment, audio equipment, and/or video conferencing equipment.  
       [0044] Any of the central processing computer(s) or server computer(s), the user communication device(s), the gaming facility computer(s), the financial institution computer(s), and/or the governmental entity computer(s), can any one or more of access, activate, de-activate, enable, and/or disable, any of the herein-described video equipment, audio equipment, and/or video conferencing equipment.  
       [0045] Each of central processing computer(s) or server computer(s), the gaming facility computer(s), the financial institution computer(s), the escrow agent computer(s), and/or the governmental entity computer(s), can have a web site or web sites associated therewith.  
       [0046] The present invention can be utilized over any suitable communication network and/or any combination of computer networks, including, but not limited to the Internet, the World Wide Web, a telecommunication network or system, a telephone network or system, a cable television communication network or system, a satellite communication network or system, a broadband communication network or system, a radio frequency communication network or system, an optical communication network or system, a line-connected network or system, a wireless network or system, a radio communication network or system, a digital communication network or system, a personal communications services (PCS) network or system, a local area network (LAN), a wide area network (WAN), a wireless Internet network or system, a wireless World Wide Web network or system, an optical communication network or system, a broadband communication network or system, a Bluetooth communication network or system, a streaming video communication network or system, a streaming audio communication network or system, a live video communication network or system, and/or any other suitable communications network or system, and/or any combination(s) thereof.  
       [0047] Each of the central processing computer(s) or server computer(s), the user communication device(s), the gaming facility computer(s), the financial institution computer(s), and/or the governmental entity computer(s), can include a central processing unit (CPU), a read only memory (ROM) device, a random access memory (RAM) device, a user input device(s), a display device, an output device, a database(s), a receiver, a transmitter, and/or a global positioning device.  
       [0048] The present invention can be utilized in order to provide information regarding gaming activities, gaming events, gambling activities, and or gambling events as well as any information relating to the gaming event. The present invention can also be utilized in order to allow a user(s) or player(s) to place bets and/or otherwise engage or participate in the gaming event.  
       [0049] A central processing computer and/or a gaming facility computer can also process bets in order to allow the user to place bets on any of the gaming events which can be accessed via the central processing computer and/or any of the gaming facility computers.  
       [0050] A central processing computer and/or any of the gaming facility computers can also provide information to the user regarding any one or more of the gaming events.  
       [0051] The present invention can be utilized in order to allow a user to identify and/or select a gaming event, allow a user to obtain information regarding the gaming event of event players or participants, and allow a user to place a bet on the gaming event and thereby engage in gaming activity and/or gambling activity via the user communication device.  
       [0052] The gaming facility computer associated with a gaming facility can be utilized in order to perform any of the functionality described herein as being provided by the central processing computer.  
       [0053] A user or users can request to be notified upon an availability of a gaming event, a posting of a gaming event, and/or a presence of a gaming event.  
       [0054] A user can request to be notified upon a detected or identified availability of a gaming event, a scheduled happening of the gaming event, and/or any other information regarding the gaming event or its participants. A user can also request any of the additional information (i.e. lottery odds of winning, last winning draw, last winning pay out, odds of winning, slot pay outs, frequency of user wins, amount of user wins, frequency of user wins at any table games, amount of user wins at table games, roulette wheel wins by users, amounts of roulette wins, teams records, sports players records, averages, and/or statistics, and/or any statistical and/or historical records regarding any of the herein-described gaming events, information regarding previous winning numbers and the probabilistic information regarding same, player statistics against an opposing team, historical records regarding prior meetings of the teams, player injuries, line-ups for the game, etc., and any other information which a user may find desirable in having prior to placing a bet on a gaming event, etc.).  
       [0055] A user can also access the central processing computer and/or a particular gaming facility computer via a user communication device and transmit a message to the central processing computer and/or a particular gaming facility computer. The message can contain information regarding the identity, type, or kind, of gaming event, for which the user desires to be notified.  
       [0056] The message can also contain information regarding a request to receive notification of gaming events having certain betting limits (i.e. maximum bets, minimum bets, etc.), notification of gaming events having certain winning odds, notification of gaming events having certain participants or teams involved, notification of gaming events having certain having a certain prize (i.e. lottery games over $25 Million, etc.), and/or notification of gaming events having certain criteria of interest to the user. The message can also contain a user authorization to the respective central processing computer and/or gaming facility computer to automatically place abet for the user.  
       [0057] A user can also request to be notified if betting odds change regarding an gaming event (i.e. a certain race horse is now paying two to one odds, a handicap or spread for a game has changed (i.e. the NFC team in the NFL Super Bowl formerly favored by three points is now favored by ten points over the AFC team, etc.). Information regarding these types of requests can also be contained in the message transmitted by the user to the central processing computer and/or the particular gaming facility computer.  
       [0058] The central processing computer and/or the gaming computer can detect a gaming event or gaming events for which the user has desired to be notified and can notify the user regarding the gaming event or gaming events by transmitting a user notification message to the user communication device associated with the user.  
       [0059] The user notification message can contain information regarding the gaming event or gaming events, any additional requested information regarding the gaming event or gaming events (i.e. lottery odds of winning, last winning draw, last winning pay out, odds of winning, slot pay outs, frequency of user wins, amount of user wins, frequency of user wins at any table games, amount of user wins at table games, roulette wheel wins by users, amounts of roulette wins, teams records, sports players records, averages, and/or statistics, and/or any statistical and/or historical records regarding any of the herein-described gaming events, information regarding previous winning numbers and the probabilistic information regarding same, player statistics against an opposing team, historical records regarding prior meetings of the teams, player injuries, line-ups for the game, etc., and any other information which a user may find desirable in having prior to placing a bet on a gaming event, etc.), and, if the user programmed or requested that a bet be place automatically, information regarding the placing of the bet or bets.  
       [0060] The present invention can also be utilized in order to provide notification to an individual account holder of a gaming account or a user of a gaming account that the account has been utilized or is being utilized. The present invention can also be utilized in order to provide a user or other individual gaming account holder with notification of gaming account use.  
       [0061] The present invention can also be programmed to cancel and/or to de-activate a gaming account if a pre-determined number of disallowed gaming activities are determined to have occurred on the account.  
       [0062] The present invention can also be utilized in order to provide notification to a user or individual gaming account holder regarding a withdrawal made from a gaming account and/or a deposit made to a gaming account.  
       [0063] The present invention can also be programmed to cancel and/or to de-activate a gaming account if a pre-determined number of disallowed withdrawals, attempted withdrawals, deposits, or attempted deposits, are determined to have occurred on the account.  
       [0064] The present invention can be utilized in order to facilitate gaming activity and/or gambling activity from a remote location. The present invention can also be utilized in order to facilitate gaming activity and/or gambling activity at a gaming venue remote from a user&#39;s or individual&#39;s physical location. The present invention can also be utilized in order to facilitate a user or individual participating in live gaming activity and/or gambling activity via a user communication device. The present invention can also be utilized in order to allow a user or individual to engage in gaming activity, and/or place bets, at one or at a plurality of gaming establishments remotely via a user communication device.  
       [0065] The present invention can also be utilized in order to allow a remote player(s) to place virtual betting pieces, chips, and/or currency, at a respective gaming table, gaming machine, slot machine, etc. In this embodiment, a display screen can be located at or adjacent to a respective gaming table, gaming machine, slot machine, etc.  
       [0066] A remote user(s) can also utilize a display screen and one or more user input devices or user interactive devices in order to view an betting inventory of virtual betting pieces, chips, and/or currency which the user or player can virtually “move” to the respective gaming table, gaming machine, slot machine, etc., in order to place a bet at the respective gaming table, gaming machine, slot machine, etc.  
       [0067] The user&#39;s display screen, which can be a component of, or associated with, the user&#39;s user communication device or computer, can display the user&#39;s inventory virtual betting pieces, chips, and/or currency, show the movement of the user&#39;s virtual betting pieces, chips, and/or currency, to the respective gaming table, gaming machine, slot machine, etc., and show any virtual betting pieces, chips, and/or currency, of the house or of any other remote users or players.  
       [0068] The user or player can utilize an input device or an interactive device in to place remote bets. A user&#39;s winnings can also be transferred to the user&#39;s inventory of virtual betting pieces, chips, and/or currency. The present invention can also be utilized so as to allow a user or users to engage in gaming activity and/or gambling activity at remotely accessed gaming venues, tables, machines, etc.  
       [0069] The present invention can also be utilized in order to allow a user to limit and/or restrict use of his or her gaming account or gaming accounts. The user and/or individual gaming account holder can pre-limit and/or pre-restrict gaming account activity or gaming account use via by utilizing the present invention. The present invention can determine whether a gaming activity is allowed and disallowed.  
       [0070] The limitation(s) or restriction(s) can be positive limitation(s) or restriction(s), defined herein to mean a limitation or restriction which if met allows the gaming activity on the gaming account (i.e. gaming activity only for a certain game, a time period during which gaming activity can be occur, a gaming facility where gaming activities are allowed, etc.) and/or the limitation(s) and/or restriction(s) can be negative limitation(s) or restriction(s), meaning a limitation(s) or restriction(s) which if met disallows the gaming activity (i.e. a time period during which gaming activity is disallowed, a gaming activity which is not allowed, a gaming facility at which a user is not allowed to engage in gaming activities, etc.).  
       [0071] The limitation(s) and/or restriction(s) can, for example, include a name of a user of a gaming account, a name of an authorized user of a gaming account, a name of a user or names of users allowed to use a gaming account, gaming activities which are allowed on a gaming account, gaming activities which are not allowed on a gaming account, betting limits on a gaming account, account spending limits on a gaming account, daily betting amount limits on a gaming account, weekly betting amount limits on a gaming account, monthly betting amount limits on a gaming account, yearly betting amount limits on a gaming account, allowed gaming venues, disallowed gaming venues, allowed betting time period(s), disallowed betting time period(s), allowed games which can be bet on, disallowed games which can be bet on, allowed team(s) and/or player(s) which can be bet on, allowed betting amount, disallowed betting amounts, allowed betting venues, locations or places, disallowed betting venues, locations, or places, stop loss limits, allowed betting subject matter, disallowed betting subject matter, etc., and/or any other limitation or restriction described herein and/or which could otherwise be envisioned for any of the gaming or gambling activities with which the apparatus and method of the present invention can be utilized.  
       [0072] The present invention can also be utilized in order to control and/or monitor use of a gaming account.  
       [0073] The present invention can also perform financial account administration for a user. The present invention can provide a system for allowing a user to establish gaming accounts and engage in gaming activities via the gaming accounts. The user can establish financial gaming accounts or gaming fund accounts from which to withdraw funds for gaming activities and/or bets. A user&#39;s winnings can also be deposited into these accounts.  
       [0074] The present invention can be utilized to administer, provide account and/or record keeping for, withhold and/or pay income taxes on winnings, reconcile winnings and losses for a user, withdraw and pay gaming fees and/or dues and/or other charges incurred in connection with utilizing the gaming account(s) described herein and/or the present invention (i.e. gaming fees, gaming activity fees, account dues, account servicing fees, etc.). The present invention can also provide gaming account statements, gaming account activity statements, reports to third parties, etc. regarding any gaming account(s).  
       [0075] The present invention can also provide an apparatus or system which can be programmed and/or can be capable of maintaining a financial gaming account or accounts for any of the users or players described herein, perform credit and/or debit operations regarding financial gaming accounts, perform account record-keeping, perform tax withholding with regards to the financial gaming accounts, report taxable events to the appropriate taxing authorities, maintain periodic records or winnings and losses for the financial gaming accounts, provide periodic transaction summaries and/or gaming account statements for the financial gaming accounts, including the transactions or activities engaged in and any winnings or losses resulting therefrom.  
       [0076] The present invention, or any of the computers, computer systems, and/or servers, utilized in conjunction therewith can also be programmed to automatically pay withholding taxes on gaming winnings for a user or player, and can automatically perform any of the herein-described functions. A user can select the gaming account services he or she desired to be provided with by the present invention.  
       [0077] The present invention can also be utilized in order to provide information for and/or to promote or advertise gaming activities, gaming events, gambling activities, and/or gambling events (hereinafter referred to as “gaming activities and/or gaming events”). Information regarding gaming activities and/or gaming events can be stored at a respective central processing computer and/or gaming facility computer.  
       [0078] Information regarding a gaming activity and/or gaming event (i.e. a game(s) at a casino or betting hall, a horse race, a sporting event, etc.) can be entered by an individual or enterprise who or which may access the central processing computer and/or gaming facility computer and transmit the pertinent information and/or enter the pertinent information regarding the gaming activity and/or gaming event into the respective central processing computer and/or gaming facility computer so as to thereby “post” the information at the respective central processing computer and/or gaming facility computer.  
       [0079] The information regarding the gaming activity and/or gaming event can also include information regarding changed odds of winning, a changed score spread, an increased lottery prize or jackpot, a changed and/or updated historical and/or statistical information, and/or new and/or updated information regarding the gaming activity and/or gaming event, new and/or updated information and/or statistics regarding any of the gaming activities, gaming events, gambling activities, and/or gambling events, and/or any of the teams, players, athletes, participants, animals (i.e. horses in horse racing, etc.), which may be involved in or be the subject of any of the gaming activities, gaming events, gambling activities, and/or gambling events. New and/or updated information can also include, but not be limited, to a casino&#39;s win percentage for a slot machine or for a table game, the average winnings of the house, users&#39; or players&#39; winning percentages, users&#39; or players&#39; losing percentages, average losses by users or players, a professional boxer&#39;s won/loss record, a sports team&#39;s won/loss record and/or historic record against another team, a respective athlete&#39;s batting average, rushing average, scoring average, etc., and past statistics or performance against a specific opponent, a race horse&#39;s racing won/loss record and/or statistics in a given setting, and/or any other information which a user or player may be interested in obtaining in order to make a more informed bet.  
       [0080] The present invention can alert a user of, and/or provide a user with, any new or updated information regarding a gaming activity and/or gaming event.  
       [0081] The information regarding the gaming activity and/or gaming event can then be stored in a respective database of a respective central processing computer and/or gaming facility computer and can be retrieved via a user search and/or user searching activity and/or by automatic message generation by the respective central processing computer and/or gaming facility computer. A user can also pre-request to be automatically notified, or receive an alert regarding a posting or postings of new gaming activities and/or gaming events and/or new and/or updated information regarding the gaming activity and/or gaming event.  
       [0082] The present invention can also be programmed to notify a user or player regarding the posting of information regarding a new gaming activity or event, and/or of new or changed information regarding the gaming activity and/or gaming event. A notification message can be provided in the form of information provided in real-time and/or otherwise, as any one or more of an electronic transmission, a communication transmission, a beeper, message, a pager message, an instant message, an electronic mail message, a telephone message, a telephone call, a facsimile transmission, and/or any other communication transmission to any of the user communication devices described herein as being utilized in conjunction with the present invention. The present invention can also provide wireless alerts to the user or player in order to provide the herein-described notification operations.  
       [0083] A user can also program a respective central processing computer and/or gaming facility computer to provide him or her with notification of any new gaming activities or gaming events and/or new and/or updated information regarding gaming activities and/or gaming events about which the user desires to be notified.  
       [0084] A user can also access a respective central processing computer and/or gaming facility computer and search for information regarding a gaming activity, gaming activities, a gaming event, gaming events, and/or new and/or updated information regarding same.  
       [0085] The present invention can also be utilized in order to facilitate gaming or gambling on gaming derivatives and/or gambling derivatives. A gaming derivative and/or a gambling derivative can be a bet or a game of chance entered into with a counterparty which can, among other things, include, for example, a bet that a casino or betting house may win a certain amount of money during a pre-specified time period, a bet that a casino or betting house may make a certain level or amount of payoffs to winning users or players during a pre-specified time period, a bet that a casino or betting house may win a certain amount to money from a particular game, games, gaming activity, gaming activities, etc., during a pre-specified time period, a bet that a casino or betting house may win more bets than it losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., a bet that players and/or users, as a whole or group, may win more bets than the group losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., and/or a bet regarding the percentage of time(s) that spreads are met in outcomes of gaming activities and/or gaming events.  
       [0086] The present invention can be utilized in order to allow or facilitate the making of bets and/or the provide for gaming activities and/or gambling activities involving any of the above-described and/or any other derivative bets which can be made on any and/or all facets of a gaming environment and/or a gambling environment.  
       [0087] The present invention can be utilized in order to generate a gaming derivative and/or gambling derivative message containing information regarding the respective gaming derivatives and/or gambling derivatives, the type or kind of each gaming derivative and/or gambling derivative, the odds of winning corresponding the each gaming derivative and/or gambling derivative, and/or the price or cost of each gaming derivative and/or gambling derivative. The message can by transmitted to a user communication device in order to provide information contained therein to a user.  
       [0088] The present invention can also be utilized in order to select, identify, and/or recommend, a gaming derivative or derivatives and/or a gambling derivative or derivatives which may be suitable for the user, and generate a gaming derivative and/or gambling derivative message containing information regarding the selected, identified, and/or recommended gaming derivative(s) and/or gambling derivative(s).  
       [0089] The present invention can also be utilized in order to effectuate a sale of a gaming derivative and/or gambling derivative and provide administrative services, including effecting payment to a user or a user&#39;s gaming account if the user should be successful in the investment in his or her purchase of, bet on, and/or investment in, the respective gaming derivative and/or gambling derivative.  
       [0090] The present invention can be utilized in order to provide, and/or to allow a user or player to purchase, a gaming loss insurance policy or coverage and/or a gambling loss insurance policy or coverage which can provide insurance coverage for gaming losses and/or gambling losses. In this manner, a user can purchase a gaming loss insurance policy and/or a gambling loss insurance policy which can be underwritten by a gaming facility, an insurance provider, and/or any other third party underwriter.  
       [0091] The present invention can also facilitate the sale of gaming loss insurance policies and/or gambling loss insurance policies. The present invention can also facilitate the sale of a gaming loss insurance policy or coverage and/or a gambling loss insurance policy or coverage and/or can automatically process claims relating to and/or made pursuant to such gaming and/or gambling loss insurance policies and/or coverage. In this manner, a user can obtain insurance in order to mitigate any gaming losses or gambling losses which he or she may sustain.  
       [0092] The present invention can also be utilized in order to automatically select, identify, and/or recommend, a gaming loss insurance policy or policies and/or a gambling loss insurance policy or policies which may be suitable for the user, and generate a gaming loss insurance and/or gambling loss insurance message containing information regarding the selected, identified, and/or recommended policy or policies.  
       [0093] The present invention can be utilized in order to purchase the respective policy or policies and/or effectuate payment for the respective policy or policies by deducting the purchase price from the user&#39;s gaming account. The present invention can also automatically monitor the outcome of the bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies.  
       [0094] The present invention can determine an outcome of the bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies and determine the winner of the bet or gaming activity and. if applicable automatically generate and process a claim or claims under the respective gaming loss and/or gambling loss insurance policy or policies and effectuate payment of any insurance proceeds the user&#39;s gaming account.  
       [0095] The present invention can be utilized in order to provide a credit derivative product, in the form of a gaming loss insurance credit derivative and/or a gambling loss credit derivative, which can be an instrument which a gaming facility, a gaming loss insurance provider, and/or a gambling loss insurance provider, can sell and/or issue to a user or users of the present invention, and/or or to any other interested parties, in order to reduce its risk of loss associated with its exposure or potential exposure from the sale or issuance of the respective gaming loss insurance policies and/or gambling loss insurance policies.  
       [0096] The present invention can provide a credit derivative or instrument to users, players, or other parties, which will enable the provider(s) of the respective gaming loss insurance policies and/or gaming loss insurance policies to reduce its risk of loss in the event of claims paid out to user insureds under the respective policies.  
       [0097] The credit derivative can also enable the user to invest in, and/or bet and/or gamble on, whether a respective gaming loss insurance provider and/or gambling loss insurance provider will realize more revenues from premiums obtained under the respective insurance policies than it pays out to claimants under the respective insurance policies. In a situation wherein an insurer needs to pay out more for claims than it takes obtains in premiums, it can utilize the proceeds obtained from the sale of credit derivatives.  
       [0098] In another situation wherein an insurer pays out less in claims than it pays out in claims, it can return the purchase price plus a percentage return (i.e. interest payment, payment for assuming the risk of the investment in the credit derivative, etc.) to the user or purchaser of the credit derivative.  
       [0099] The credit derivative can also be structured and/or devised in any other appropriate manner so as to cover an insured&#39;s risk of loss while providing a rate of return to the investing user or other party in the event the insured dose not sustain a loss. The present invention can be utilized in order to identify a credit derivative suitable for the insurer.  
       [0100] The present invention can also be utilized in order to provide information regarding any credit derivative or credit derivatives to any users or other parties. The present invention can also be utilized in order to effectuate a sale of and administer process settlement transactions, if applicable, regarding same.  
       [0101] The present invention can also be utilized in order to notify users of the availability of any of the herein-described gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives. The users can thereafter effectuate a purchase of any of any of the herein-described gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives via the apparatus of the present invention and/or any of the computers or computer systems utilized in conjunction therewith.  
       [0102] The present invention can also administer the sale of, and/or process, and/or service, any claims and/or payments made to the user pursuant to a respective gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives.  
       [0103] The present invention can also be utilized in conjunction with state gaming activities of a respective state, country or sovereignty. As used herein the term “state” means any state, region, territory, and/or possession of the United States of America, any nation, country, sovereign state, monarchy, principality, and/or any region, territory, possession, and/or subdivision of same. In this manner, the present invention can be utilized in a manner consistent with gaming laws, rules, and/or regulations, in the various states, countries, or sovereignties, in which, or in conjunction with which, the present invention can be utilized.  
       [0104] The present invention can be utilized to facilitate compliance with the various and respective state, country, and/or sovereignty, gaming laws and/or gambling laws and/or so as to facilitate any reporting of gaming activities and/or gambling activities to the appropriate state, country, and/or sovereignty, authorities and/or so as to facilitate any payments of fees and/or taxes relating to the gaming activities and/or gambling activities.  
       [0105] The present invention can be utilized in a scenario in which each of the herein-described types or kinds of states may have gaming law, gaming regulations, gaming rules, gambling laws, gambling regulations, and/or gambling rules, in effect. In certain scenarios, certain states may only allow certain types of gaming and/or gambling (i.e. lotteries, horse racing, etc.). In certain other scenarios, certain states may affirmatively ban certain types of gaming activities and/or gambling activities (i.e. card games, sports gambling, etc.). In certain other scenarios, certain states may allow all gaming activities and/or gambling activities and/or allow same if supervised by a licensing authority and/or upon the payment of gaming fees and/or gambling fees.  
       [0106] The present invention can also be utilized in a scenario in which a state from which a remote gaming activity and/or gambling activity originates (“the originating state”) would be deemed legal and/or in compliance with the originating state&#39;s gaming laws and/or gambling laws if any one or more of a gaming license is obtained by the user and/or the gaming facility involved in the gaming activity and/or gambling activity, a gaming fee is paid to the originating state, a gaming fee is paid to the originating state by the user and/or the gaming facility involved in the gaming activity and/or gambling activity for each gaming activity and/or gambling activity which occurs, and/or upon the satisfaction of any other originating state dictated requirements and/or the payment of any originating state prescribed fees. The gaming facility can be the operator of and/or be associated with any of the herein-described central processing computers and/or gaming facility computers.  
       [0107] It is envisioned that certain states either or both may claim jurisdiction over gaming activities and/or gambling activities which physically occur inside the state, on waters within the state&#39;s jurisdiction, and/or within the state&#39;s airspace, and/or that certain states may claim jurisdiction over remote gaming activities and/or gambling activities which originate from a user communication device which is permanently and/or temporarily inside the state, on waters within the state&#39;s jurisdiction, and/or within the state&#39;s airspace, at the time the remote gaming activity and/or gaming activity occurs or takes place.  
       [0108] For example, if a state claims jurisdiction over gaming activities and/or gambling activities which originate from a user communication device which is located inside the state, on waters within the state&#39;s jurisdiction, and/or within the state&#39;s airspace, at the time the remote gaming activity and/or gaming activity occurs or takes place, the state may require a license be obtained beforehand and/or afterward by the user and/or the gaming facility which is the counterparty to the gaming activity and/or gambling activity. In this manner, gaming activity and/or gambling activity, otherwise prohibited by a state&#39;s laws, can be legal and the state can realize financial revenues from such remote gaming activity and/or gambling activity.  
       [0109] The present invention can be utilized in order to administer remote gaming activity and/or gambling activity. The present invention can ascertain the state having jurisdiction over the remote gaming activity and/or gambling activity and/or can determine if the remote gaming activity and/or gambling activity is allowed by the state having jurisdiction over the remote gaming activity and/or gambling activity.  
       [0110] The present invention can also be utilized in order to effectuate payment of any gaming fee and/or gambling fee for the remote gaming activity and/or gambling activity to the originating state. The payment of any fee or fees to the originating state can be effectuated by an electronic monetary transmission and/or electronic transfer from a respective central processing computer and/or gaming facility computer to the governmental entity computer associated with the originating state. Any suitable accounting methods (i.e. account crediting, etc.) can also be utilized for effectuating payments to the originating state.  
       [0111] The present invention can also be utilized in order to allow a user to play lottery games in any number of states, countries, and/or other localities. The present invention can be utilized to determine a user&#39;s originating state and can facilitate the playing of a lottery game or games, including the collection of winnings and/or prizes for and/or on behalf of the user for any number of state lottery games.  
       [0112] The present invention can also be utilized in order to allow a user or user&#39;s to place remote bets, wagers, and/or otherwise engage in gaming activity and/or gambling activity from a vehicle. The present invention can also be utilized in order to provide for gaming activities and/or gambling activities on board any one or more of a gaming establishment or gambling establishment aboard a boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, train, subway train, bus, automobile, and/or any other vehicle, etc.  
       [0113] The present invention can utilize global positioning technology at the user communication device and/or at a central processing computer and/or a gaming facility computer on board the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, and/or commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., in order to ascertain the jurisdiction in which the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, train, subway train, bus, automobile, and/or any other vehicle, on which any one or more of the respective user communication device, central processing computer, and/or gaming facility computer, is located and apply the gaming laws and rules for the identified jurisdiction in which the respective user communication device, central processing computer, and/or gaming facility computer, is located, to the respective gaming activities and/or gambling activities.  
       [0114] The present invention can also facilitate and/or effectuate the payment of any gaming activities and/or gambling activity fees to an appropriate state or states.  
       [0115] The present invention can also be utilized in order to allow a user to purchase lottery tickets for lotteries in any number of states and/or countries. The present invention can also provide a user with an alert, in real-time and/or otherwise, when a lottery is available and/or when a lottery prize reaches a certain prize amount. The present invention can also monitor the results of the various state lotteries and receive any winnings on behalf of the user which can be electronically transferred into the user&#39;s gaming account.  
       [0116] The present invention can also perform any and/or all of the gaming account administration processing routines and/or functionality such as, but not limited to, recording a user&#39;s winnings, recording a user&#39;s losses, recording a user&#39;s net winnings, recording a user&#39;s net losses, reporting a user&#39;s winnings and/or losses to appropriate taxing authorities, withholding income taxes for a user, paying withholding taxes to a taxing authority, etc.  
       [0117] The present invention can also be utilized to effectuate a purchase of a lottery ticket and/or lottery tickets for any particular state lottery and/or for any number of state lotteries.  
       [0118] The present invention can also be utilized process lottery winning results in conjunction with the lottery numbers or lottery ticket(s) held by the user, or which can being held by the user. The present invention can also collect winnings for, or on behalf of, the user. The present invention can also any one of more receive electronic transfers of a user&#39;s winnings on behalf of the user, pay a user&#39;s withholding taxes and/or income taxes on winnings, and/or report the user&#39;s gaming activities to an appropriate governmental entity. The present invention can also effectuate payment of any due gaming activity fee and/or gambling activity fee to the originating state.  
       [0119] The present invention can also be utilized in order to allow a user to identify and/or locate a gaming activity, a gaming event, a gambling activity, and/or a gambling event, to bet or wager on and/or to locate a counterparty or counterparties interested in betting and/or wagering on a gaming activity, a gaming event, a gambling activity, and/or a gambling event. The present invention can also be utilized in order to allow users to engage in private bets, private gaming activity, private gaming events, private gambling activities, and/or private gambling events, with other users.  
       [0120] The present invention can be utilized in order to allow the user to post his or her bet for a certain gaming activity, gaming event, gambling activity, and/or gambling event, on a respective central processing computer and/or gaming facility computer. Another user or users can place a bet or wager as a counterparty or counterparties to the bet for any of the bets on a posted gaming activity, gaming event, gambling activity, and/or gambling event.  
       [0121] The present invention can also be utilized in order to allow a user can program the present invention to notify him or her if and/or when another user posts a certain bet for a certain gaming activity, gaming event, gambling activity, and/or gambling event. Upon the posting of the bet for the certain gaming activity, gaming event, gambling activity, and/or gambling event, the present invention can generate and transmit a notification message to the requesting user. Thereafter, the user may access a respective central processing computer and/or gaming facility computer and decide to be that counterparty or one of the counterparties to the particular bet on the particular gaming activity, gaming event, gambling activity, and/or gambling event.  
       [0122] The present invention can also determine whether the respective bet, gaming activity, gaming event, gambling activity, and/or gambling event, is legal in all appropriate jurisdictions. The present invention can also be utilized to administer the bet or bets and/or to hold bets in escrow for respective parties to a bet. The present invention can be utilized in order to determine a winner or winners of a bet and effectuate payment of winnings to a winning user&#39;s gaming account.  
       [0123] The present invention can be utilized in order to facilitate gaming activity and/or gambling activity in numerous preferred embodiments. The present invention can also be utilized in order to facilitate gaming activity and/or gambling activity by remote users or players who can be located anywhere in the world and/or who can be located at any physical distance from a respective gaming facility, gaming activity, gaming event, gambling activity, and/or gambling event.  
       [0124] The present invention can be utilized in conjunction with any one or combination of the Internet, the World Wide Web, a telecommunication network, a satellite communication network, a cable television network, a digital communication network, a radio frequency network, a broadband network, an optical commination network, and/or any other communication network described herein and/or otherwise, in order to allow users or players to engage in gaming activity and/or gambling activity.  
       [0125] Accordingly, it is an object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity.  
       [0126] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can facilitate gaming activity and/or gambling activity via a user communication device.  
       [0127] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can facilitate gaming activity and/or gambling activity via a communication network.  
       [0128] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can process information regarding gaming activity and/or gambling activity.  
       [0129] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can provide information regarding gaming activity and/or gambling activity.  
       [0130] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can provide process information regarding gaming activity and/or gambling activity.  
       [0131] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can allow a user to engage in gaming activity and/or gambling activity via a user communication device.  
       [0132] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which facilitates allowing a user to engage in gaming activity and/or gaming activity in a network environment.  
       [0133] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can allow a user or individual to select a gaming event(s) or a gambling event(s).  
       [0134] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user or individual to pre-request to receive information regarding the occurrence of a gaming event or a gambling event.  
       [0135] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide a real-time as well as a non-real-time alert or notification message to a user or individual communication device for informing a user of any one or more of a gaming event, a gambling event, gaming activity, gambling activity, and/or of information regarding a gaming event and/or a gambling event.  
       [0136] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide account security for any one or more of a financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), electronic money account(s), a wireless communication device account(s), and/or a cellular communication device account(s), utilized in conjunction with a gaming account.  
       [0137] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide for the administration and management of financial accounts for any of the users, individuals, casinos, gaming facilitators, gambling facilitators, betting halls, betting venues, vendors, sports gaming facilitators, race tracks, sports betting arenas, sports arenas, sports stadiums, financial intermediaries, banks, financial institutions, and/or any other entities described herein.  
       [0138] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to administer escrow accounts for gaming activity, gambling activity, and/or betting activity.  
       [0139] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide notification to a user or individual regarding when a withdrawal(s) is made from, and/or when a deposit is made to, any of the user&#39;s or individual&#39;s financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), and/or electronic money account(s), which are associated with the user&#39;s gaming account.  
       [0140] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow any of herein-described users, individuals, casinos, gaming facilitators, gambling facilitators, betting halls, betting venues, vendors, sports gaming facilitators, race tracks, sports betting arenas, sports arenas, sports stadiums, financial intermediaries, banks, financial institutions, and/or any other entities, described herein, to transfer funds electronically to and/or from gaming accounts and/or other accounts utilized in conjunction with the present invention.  
       [0141] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user, to make a withdrawal(s) from an account, financial account, and/or a gaming account, in order to place a bet and/or to pay off bet.  
       [0142] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to facilitate gaming activity and/or gambling activity from a remote location.  
       [0143] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to facilitate gaming activity and/or gambling activity at a gaming venue remote from the user&#39;s or individual&#39;s physical location.  
       [0144] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user to participate in live gaming activity and/or gambling activity via a user communication device.  
       [0145] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user to engage in gaming activity, and/or to place bets, at one gaming establishment, or at a plurality of gaming establishments, remotely via a user communication device.  
       [0146] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user to place virtual betting pieces, chips, and/or currency, at a respective gaming table, gaming machine, and/or slot machine.  
       [0147] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user to engage in gaming activity and/or gambling activity at remotely accessed gaming venues, tables, and/or machines.  
       [0148] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to control a user&#39;s gaming activity and/or gambling activity.  
       [0149] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to monitor a user&#39;s gaming activity and/or gambling activity.  
       [0150] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to limit or restrict a user&#39;s activities or the use of the user&#39;s gaming account or communication device by others.  
       [0151] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be programmed to limit or restrict a user&#39;s activities or the use of the user&#39;s gaming account or communication device by others.  
       [0152] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be programmed, by a user or a gaming account holder, to limit or restrict a user&#39;s activities or the use of the user&#39;s gaming account or communication device by others.  
       [0153] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be programmed to limit or restrict a user&#39;s activities or the use of a user&#39;s gaming account or a communication device by others.  
       [0154] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to perform financial account administration for a user.  
       [0155] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to perform or provide any one or more services relating to a gaming account.  
       [0156] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to maintain a financial gaming account or accounts for any of the users or players described herein, to perform credit and/or debit operations regarding financial gaming accounts, to perform account record-keeping, to perform tax withholding with regards to the financial gaming accounts, to report taxable events to the appropriate taxing authorities, to maintain periodic records or winnings and losses for the financial gaming accounts, and/or to provide periodic transaction summaries and/or gaming account statements for financial gaming accounts.  
       [0157] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized to and/or can be programmed to automatically pay withholding taxes on gaming winnings for a user or player.  
       [0158] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide information for and/or to promote gaming activities or gambling activities.  
       [0159] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to notify a user or player regarding the posting of information regarding a new gaming activity or event, and/or of new or changed odds regarding a gaming activity or event.  
       [0160] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide wireless alerts to a user regarding any information described herein as being provided by the apparatus and method the present invention.  
       [0161] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be programmed by a user to provide notification to the user of a new gaming activity or gaming event.  
       [0162] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized by a user search for a gaming activity, gaming activities, a gaming event, or gaming events.  
       [0163] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide information regarding and/or relating to a gaming activity or a gaming event.  
       [0164] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can facilitate gaming or gambling on gaming derivatives and/or gambling derivatives.  
       [0165] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can facilitate gaming or gambling derivative bets which can be made on any and/or all facets of a gaming environment and/or a gambling environment.  
       [0166] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized to provide gaming loss insurance products and/or services and/or gambling loss insurance products and/or services.  
       [0167] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized to facilitate the sale of a gaming loss insurance policy and/or a gambling loss insurance policy.  
       [0168] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized to provide, and/or facilitate the sale of, a credit derivative product in the form of a gaming loss insurance credit derivative and/or a gambling loss credit derivative.  
       [0169] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide notification to a user or other party regarding the availability of a gaming loss insurance policy and/or a gambling loss insurance policy.  
       [0170] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide notification to a user or other party regarding the availability of a gaming loss insurance credit derivative and/or a gambling loss insurance credit derivative.  
       [0171] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to administer a gaming loss insurance policy and/or a gambling loss insurance policy.  
       [0172] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to administer a gaming loss insurance credit derivative and/or a gambling loss insurance credit derivative.  
       [0173] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to service claims made under or pursuant to a gaming loss insurance policy and/or a gambling loss insurance policy.  
       [0174] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to perform settlement transactions for a gaming loss insurance credit derivative and/or a gambling loss insurance credit derivative.  
       [0175] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in conjunction with state gaming activities.  
       [0176] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to facilitate the playing of state lottery games from any state or country.  
       [0177] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide for gaming activities and/or gambling activities onboard a vehicle.  
       [0178] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide for gaming activities and/or gambling activities onboard a boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, a train, a subway train, a bus, an automobile, and/or any other vehicle.  
       [0179] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to facilitate private gaming activities and/or gambling activities between two or more parties.  
       [0180] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide gaming results or gambling results to a user or player.  
       [0181] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized over any suitable communication network, including, but not limited to the Internet, the World Wide Web, a telecommunication network or system, a telephone network or system, a cable television communication network or system, a satellite communication network or system, a broadband communication network or system, a radio frequency communication network or system, an optical communication network or system, a line-connected network or system, a wireless network or system, a radio communication network or system, a digital communication network or system, a personal communications services (PCS) network or system, a local area network (LAN), a wide area network (WAN), a wireless Internet network or system, a wireless World Wide Web network or system, an optical communication network or system, a broadband communication network or system, a Bluetooth communication network or system, a streaming video communication network or system, a streaming audio communication network or system, a live video communication network or system, and/or any other suitable communications network or system, and/or any combination(s) thereof.  
       [0182] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized by a user in order to identity and/or to select a gaming event and/or a gambling event.  
       [0183] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide a user or other individual gaming account holder with notification of gaming account use.  
       [0184] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be programmed to cancel and/or to de-activate a gaming account if a pre-determined number of disallowed gaming activities are determined to have occurred on the account.  
       [0185] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to select, identify, and/or recommend, a gaming derivative or derivatives and/or a gambling derivative or derivatives which may be suitable for a user.  
       [0186] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to select, identify, and/or recommend, a gaming loss insurance policy or policies and/or a gambling loss insurance policy or policies which may be suitable for the user.  
       [0187] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to monitor the outcome of a bet or a gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies.  
       [0188] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to determine an outcome of a bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies and determine the winner of the bet or gaming activity.  
       [0189] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to generate and/or process a claim or claims under a respective gaming loss and/or gambling loss insurance policy or policies.  
       [0190] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to effectuate payment of any insurance proceeds the user&#39;s gaming account.  
       [0191] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to identify a credit derivative suitable for an insurer.  
       [0192] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to determine or identify a state or a jurisdiction from which a gaming activity and/or a gambling activity originates.  
       [0193] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to effectuate payment of a gaming fee and/or a gambling fee, for remote gaming activity and/or gambling activity, to an originating state.  
       [0194] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user to play lottery games in any number of states, countries, and/or other localities.  
       [0195] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to determine a user&#39;s originating state in the playing of a lottery game or lottery games.  
       [0196] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to collect winnings and/or prizes for and/or on behalf of a user.  
       [0197] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to collect winnings and/or prizes for and/or on behalf of a user for any number of state lottery games.  
       [0198] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow a user or user&#39;s to place remote bets, wagers, and/or otherwise engage in gaming activity and/or gambling activity, from a vehicle.  
       [0199] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to provide for gaming activities and/or gambling activities from a boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, a train, a subway train, a bus, an automobile, and/or any other vehicle.  
       [0200] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which utilize global positioning technology in order to ascertain the jurisdiction in which or from which a bet is placed.  
       [0201] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can facilitate and/or effectuate the payment of any gaming activities fees and/or gambling activity fees to an appropriate state or states.  
       [0202] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can provide a user with an alert, in real-time and/or otherwise, when a lottery is available and/or when a lottery prize reaches a certain prize amount.  
       [0203] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to allow users to engage in private bets, private gaming activity, private gaming events, private gambling activities, and/or private gambling events, with other users.  
       [0204] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can allow a user to post a bet for a certain gaming activity, gaming event, gambling activity, and/or gambling event.  
       [0205] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized by a user to receive notification of a posting of a bet for a certain gaming activity, gaming event, gambling activity, and/or gambling event.  
       [0206] It is another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized to determine whether a respective bet, gaming activity, gaming event, gambling activity, and/or gambling event, is legal.  
       [0207] It is still another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to administer a bet or bets and/or to hold bets in escrow.  
       [0208] It is yet another object of the present invention to provide an apparatus and method for facilitating gaming activity and/or gambling activity which can be utilized in order to determine a winner or winners of a bet and/or to effectuate a payment of winnings to a winning user&#39;s gaming account.  
       [0209] Other objects and advantages of the present invention will be apparent to those skilled in the art upon a review of the Description of the Preferred Embodiments taken in conjunction with the Drawings which follow. 
     
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
     [0210] In the Drawings:  
     [0211]FIG. 1 illustrates a preferred embodiment of the apparatus of the present invention, in block diagram form;  
     [0212]FIG. 2 illustrates a preferred embodiment of the central processing computer of FIG. 1, in block diagram form;  
     [0213]FIG. 3 illustrates a preferred embodiment of the user communication device of FIG. 1, in block diagram form;  
     [0214]FIG. 4 illustrates a preferred embodiment of the gaming facility computer of FIG. 1, in block diagram form;  
     [0215]FIG. 5 illustrates a preferred embodiment of the financial institution computer of FIG. 1, in block diagram form;  
     [0216]FIG. 6 illustrates a preferred embodiment of the escrow agent computer of FIG. 1, in block diagram form;  
     [0217]FIG. 7 illustrates a preferred embodiment of the governmental entity computer of FIG. 1, in block diagram form;  
     [0218]FIGS. 8A and 8B illustrate a preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0219]FIGS. 9A and 9B illustrate another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0220]FIGS. 10A and 10B illustrate still another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0221]FIGS. 11A and 11B illustrate yet another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0222]FIG. 12 illustrates another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0223]FIG. 13 illustrates still another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0224]FIG. 14 illustrates yet another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0225]FIG. 15 illustrates another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0226]FIGS. 16A and 16B illustrate still another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0227]FIGS. 17A and 17B illustrate yet another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0228]FIGS. 18A and 18B illustrate another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0229]FIGS. 19A and 19B illustrate still another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0230]FIGS. 20A and 20B illustrate yet another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0231]FIGS. 21A and 21B illustrate another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form;  
     [0232]FIGS. 22A, 22B and  23 B illustrate still another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form; and  
     [0233]FIGS. 23A and 23B illustrate yet another preferred embodiment method for utilizing the apparatus and method of the present invention, in flow diagram form. 
    
    
     DESCRIPTION OF THE PREFERRED EMBODIMENTS  
     [0234] The present invention pertains to an apparatus and method for facilitating gaming activity and/or gambling activity and, in particular, to an apparatus and method for facilitating gaming activity and/or gambling activity via a user communication device. The apparatus and method of the present invention can be utilized in order to allow a user to engage in gaming activity and/or gambling activity via a user communication device. The apparatus and method of the present invention can also be utilized in order to facilitate gaming activity and/or gaming activity in a network environment.  
     [0235] The apparatus and method of the present invention can also be utilized in order to allow a user or individual to select a gaming event(s) or a gambling event(s). The user or individual can place bets via a user communication device.  
     [0236] The apparatus and method of the present invention can also be utilized in order to allow a user or individual to pre-request to receive information regarding the occurrence of a gaming event or a gambling event. The apparatus and method of the present invention can also provide a real-time as well as a non-real-time alert or notification message to a user or individual communication device informing the user or individual of any one or more of a gaming event, a gambling event, gaming activity, gambling activity, and/or of information regarding a gaming event and/or a gambling event.  
     [0237] The apparatus and method of the present invention can also be utilized in order to provide account security for any one or more of a financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), electronic money account(s), a wireless communication device account(s), and/or a cellular communication device account(s), utilized in conjunction with a gaming account.  
     [0238] The apparatus and method of the present invention can also provide for the administration and management of financial accounts for any of the users, individuals, casinos, gaming facilitators, gambling facilitators, betting halls, betting venues, vendors, sports gaming facilitators, race tracks, sports betting arenas, sports arenas, sports stadiums, financial intermediaries, banks, financial institutions, and/or any other entities described herein. The apparatus and method of the present invention can also be utilized to administer escrow accounts for gaming activity, gambling activity, and/or betting activity.  
     [0239] The apparatus and method of the present invention can also be utilized in order to provide notification to a user or individual regarding when a withdrawal(s) is/are made from any of the user&#39;s or individual&#39;s financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), and/or electronic money account(s).  
     [0240] The apparatus and method of the present invention can also be utilized in order to provide notification to a user or individual regarding when a deposit(s) is/are made to any of the user&#39;s or individual&#39;s financial account(s), bank account(s), checking account(s), automated teller machine (ATM) account(s), credit card account(s), charge card account(s), debit card account(s), smart card account(s), currency card account(s), and/or electronic money account(s), which are associated with the user&#39;s gaming account.  
     [0241] The apparatus and method the present invention can also be utilized in order to allow any of herein-described users, individuals, casinos, gaming facilitators, gambling facilitators, betting halls, betting venues, vendors, sports gaming facilitators, race tracks, sports betting arenas, sports arenas, sports stadiums, financial intermediaries, banks, financial institutions, and/or any other entities, to transfer funds electronically to and/or from any of the herein-described gaming accounts and/or other accounts utilized in conjunction with the present invention.  
     [0242] The apparatus and method of the present invention can also be utilized in order to allow a user or individual to access, and/or make withdrawals from, any one or more or bank accounts, savings accounts, checking accounts, automated teller machine accounts (ATM), credit card accounts, charge accounts, debit card accounts, smart card accounts, currency card accounts, and/or electronic money accounts, in order to place a bet and/or to pay off a bet.  
     [0243] The apparatus and method of the present invention can also be utilized in order to facilitate gaming activity and/or gambling activity from a remote location. The apparatus and method of the present invention can also be utilized in order to facilitate gaming activity and/or gambling activity at a gaming venue remote from the user&#39;s or individuals physical location. The apparatus and method of the present invention can also be utilized in order to allow a user or individual to participate in live gaming activity and/or gambling activity via a user communication device.  
     [0244] For example, and for purposes of an illustrative example, a user desiring to bet at a casino gaming table can access a camera or video device located at the table, obtain, at the communication device, audio and video information at the table, including being able to interact with dealers or betting house officials and/or other betters at the table, place bets, and engage in gaming activity and/or gambling activity at the table live and/or in real-time via the user communication device and any one or more of video equipment, audio equipment, and/or video conferencing equipment. In this manner, the apparatus and method of the present invention can be utilized in order to allow a user or individual to engage in gaming activity, and/or place bets, at one gaming establishment, or at a plurality of gaming establishments, remotely via a user communication device.  
     [0245] For example, an individual can gain remote access to, and bet at, a table at a Las Vegas, Nev. casino and, at any time, access, and bet at, a table in an Atlantic City, N.J. casino, access and place bets at Yonkers Raceway, and/or engage in remote gaming activities and/or gambling activities via a user communication device and/or the apparatus of the present invention.  
     [0246] The apparatus and method of the present invention can also be utilized in order to allow a remote user(s) to place virtual betting pieces, chips, and/or currency, at a respective gaming table, gaming machine, slot machine, etc. In this embodiment, a display screen can be located at or adjacent to a respective gaming table, gaming machine, slot machine, etc. A remote user(s) can also utilize a display screen and one or more user input devices or user interactive devices in order to view a user&#39;s or player&#39;s betting inventory of virtual betting pieces, chips, and/or currency which the user or player can virtually “move” to the respective gaming table, gaming machine, slot machine, etc., in order to place a bet at the respective gaming table, gaming machine, slot machine, etc.  
     [0247] The user&#39;s display screen, which can be a component of, or associated with, the user&#39;s user communication device or computer, can display the user&#39;s inventory virtual betting pieces, chips, and/or currency, show the movement of the user&#39;s virtual betting pieces, chips, and/or currency, to the respective gaming table, gaming machine, slot machine, etc., and show any virtual betting pieces, chips, and/or currency, of the house or of any other remote users or players.  
     [0248] The user or player can utilize an input device or an interactive device in order to “drag” virtual betting pieces, chips, and/or currency, from the user&#39;s inventory to the respective gaming table, gaming machine, slot machine, etc. A user&#39;s winnings can also be transferred to the user&#39;s inventory of virtual betting pieces, chips, and/or currency. The apparatus and method of the present invention can also be utilized so as to allow a user or users to engage in gaming activity and/or gambling activity at remotely accessed gaming venues, tables, machines, etc.  
     [0249] The apparatus and method of the present invention can also be utilized to monitor and control a user&#39;s gaming activities. In this regard, a user communication device which is utilized for remote gaming activity can be programmed to limit or restrict the user&#39;s activities or the use of the user&#39;s gaming account or communication device by others.  
     [0250] In another preferred embodiment, the central processing computer or server computer which may be utilized during a use of the apparatus and method of the present invention can also be programmed to limit or restrict a user&#39;s gaming activities or the use of the user&#39;s gaming account or communication device by others. In still another preferred embodiment, the computer or server computer associated with a gaming establishment, such as, but not limited to, a casino, a racetrack, a stadium, an arena, an off-track betting establishment, etc., can also be programmed to limit or restrict a user&#39;s gaming activities or the use of the user&#39;s gaming account or communication device by others.  
     [0251] The limitations or restrictions on use of a user&#39;s gaming account or communication device can include limitation or a restriction of a negative limitation or restriction (i.e. a gaming activity which is not allowed to be engaged in; a time period(s) during which gaming activities are not allowed, etc.) or a positive limitation or restriction (i.e. a gaming activity allowed to be engaged in, a time period(s) during which gaming activities are allowed, etc.).  
     [0252] The limitation or restriction can include a name of a user of a gaming account, a name of an authorized user of a gaming account, a name of a user or names of users allowed to use a gaming account, gaming activities which are allowed on a gaming account, gaming activities which are not allowed on a gaming account, betting limits on a gaming account, account spending limits on a gaming account, daily betting amount limits on a gaming account, weekly betting amount limits on a gaming account, monthly betting amount limits on a gaming account, yearly betting amount limits on a gaming account, allowed gaming venues, disallowed gaming venues, allowed betting time period(s), disallowed betting time period(s), allowed games which can be bet on, disallowed games which can be bet on, allowed team(s) and/or player(s) which can be bet on, allowed betting amount, disallowed betting amounts, allowed betting venues, locations or places, disallowed betting venues, locations, or places, stop loss limits, allowed betting subject matter, disallowed betting subject matter, etc., and/or any other limitation or restriction described herein and/or which could otherwise be envisioned for any of the gaming or gambling activities with which the apparatus and method of the present invention can be utilized.  
     [0253] The apparatus and method of the present invention can also perform financial account administration for a user. In this regard, the apparatus and method of the present invention, and/or any of the user communication devices, central processing computers, server computers, and/or any computer or computer system associated with any of the entities described herein as being able to utilize or participate in the use or operation of the apparatus and method of the present invention, can be programmed and/or be capable of maintaining a financial gaming account or accounts for any of the users or players described herein, perform credit and/or debit operations regarding financial gaming accounts, perform account record-keeping, perform tax withholding with regards to the financial gaming accounts, report taxable events to the appropriate taxing authorities, maintain periodic records or winnings and losses for the financial gaming accounts, provide periodic transaction summaries and/or gaming account statements for the financial gaming accounts, including the transactions or activities engaged in and any winnings or losses resulting therefrom.  
     [0254] The apparatus and method of the present invention, or any of the computers, computer systems, and/or servers, can be programmed to automatically pay withholding taxes on gaming winnings for a user or player, and can automatically perform any of the herein-described functions.  
     [0255] The apparatus and method of the present invention can also be utilized to provide information for and/or to promote gaming activities or gambling activities. Information regarding gaming activities or gambling activities can be stored at a central processing computer or server computer. Information regarding a gaming activity or event (i.e. games at a casino, a sporting event, etc.) can be entered by an individual or enterprise who or which may access the central processing computer or server computer and transmit the information regarding the gaming activity or event to the central processing computer or server computer which can then store the information in memory. A user can access the central processing computer and request information regarding any gaming activity or event and receive the information if such information exists.  
     [0256] The apparatus and method of the present invention can also notify a user or player regarding the posting or information regarding a new gaming activity or event, and/or of new or changed odds regarding a gaming activity or event. The notification can be provided in the form of information provided in real-time and/or otherwise, as any one or more of an electronic transmission, a communication transmission, a beeper, message, a pager message, an instant message, an electronic mail message, a telephone message, a telephone call, a facsimile transmission, and/or any other communication transmission to any of the user communication devices described herein as being utilized in conjunction with the present invention. The apparatus and method of the present invention can provide wireless alerts to the user or player in order to provide the herein-described notification operations.  
     [0257] The present invention can also be utilized so as to allow a user or player to program a respective central processing computer to provide notification to the user or player of any new gaming activities or gaming events about which the user or player desires to be notified. For example, if a user or player desires to bet on a boxing match, he or she can request to be notified when information regarding a boxing match is posted on a central processing computer or server computer. In a similar manner, if a user or player desires to be notified when different or more favorable odds are posted to a gaming activity or event, he or she can post his request to be notified and receive such notification if and when such odds may be changed.  
     [0258] The apparatus and method of the present invention can also be utilized to allow a user or player to access a central processing computer and search for a gaming activity, gaming activities, a gaming event, or gaming events, in which the user or player may desire to bet or participate.  
     [0259] The apparatus and method of the present invention can also be utilized in order to provide information regarding gaming activities, gaming events, gambling activities, and/or gambling events. A central processing computer or server computer can include a database of information and/or statistics regarding any of the gaming activities, gaming events, gambling activities, and/or gambling events, and/or any of the teams, players, athletes, participants, animals (i.e. horses in horse racing, etc.), which may be involved in or be the subject of any of the gaming activities, gaming events, gambling activities, and/or gambling events.  
     [0260] Information can, for example, include, but not be limited to, a casino&#39;s win percentage for a slot machine or for a table game, the average winnings of the house, users&#39; or players&#39; winning percentages, users&#39; or players&#39; losing percentages, average losses by a user or player, a professional boxer&#39;s won/loss record, a sports team&#39;s won/loss record and/or historic record against another team, a respective athlete&#39;s batting average, rushing average, scoring average, etc., and past statistics or performance against a specific opponent, a race horse&#39;s racing won/loss record and/or statistics in a given setting, and/or any other information which a user or player may be interested in obtaining in order to make a more informed bet.  
     [0261] The apparatus and method of the present invention can also be utilized in order to facilitate gaming or gambling on gaming derivatives and/or gambling derivatives. For example, a bet could be made by a player that a casino or house may win a certain amount of money during a pre-specified time period, that a casino or house may make a certain level or amount of payoffs to winning players during a pre-specified time period, that a casino or house may win a certain amount to money from a particular game, games, gaming activity, gaming activities, etc., during a pre-specified time period, that a casino or house may win more bets than it losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., that players, as a whole, may win more bets than it losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., and/or the percentage of time that spreads are met in outcomes of gaming activities and/or gaming events. The present invention can be utilized in order to allow or facilitate the making of bets and/or the provide for gaming activities and/or gambling activities involving any derivative bets which can be made on any and/or all facets of a gaming environment and/or a gambling environment.  
     [0262] The apparatus and method of the present invention can also be utilized in order to allow a user or player to purchase gaming loss insurance and/or gambling loss insurance which can provide insurance coverage for gaming losses and/or gambling losses. In another preferred embodiment, the apparatus and method of the present invention can facilitate the sale of gaming loss insurance policies and/or gambling loss insurance policies.  
     [0263] The apparatus and method of the present invention can also provide a credit derivative product in the form of a gaming loss insurance credit derivative and/or a gambling loss credit derivative which can be an instrument which a provider or facilitator of the respective gaming loss insurance policies and/or the gambling loss insurance policies can issue to in order to reduce its risk of loss for claims made and required to be paid pursuant to the respective gaming loss insurance policies and/or the gambling loss insurance policies.  
     [0264] In this regard, the apparatus and method of the present invention can provide a credit derivative or instrument to users or players which will enable the provider of the respective insurance policy to reduce its risk of loss in the event of claims paid out to insureds under the respective policies and which enable a user or player to invest in and/or bet that the insurance policy provider will take in more from premiums under the respective insurance policies than it pays out to claimants under the respective insurance policies.  
     [0265] The apparatus and method of the present invention can also notify users or players of the availability of the herein-described gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives.  
     [0266] Users or players can purchase a gaming loss insurance policy and/or a gambling loss insurance policy via the apparatus and method of the present invention and the apparatus and method of the present invention can administer the respective policy or policies and service any claims made thereunder. A user or player can submit claims under the insurance policy or policies to a central processing computer or server computer which can administer the policy or policies and/or otherwise provide service or services pursuant to the policy or policies.  
     [0267] A user or player can also purchase a gaming loss insurance credit derivative(s) and/or a gambling loss credit derivative(s) via the apparatus and method of the present invention. A central processing computer can administer the sale and service of the respective a gaming loss insurance credit derivative(s) and/or a gambling loss credit derivative(s).  
     [0268] The apparatus and method of the present invention can also be utilized in conjunction with state gaming activities of a respective state, country or sovereignty. In this manner, the apparatus and method of the present can be utilized in a manner consistent with gaming laws, rules, and/or regulations, in the various states, countries or sovereignties, in which, or in conjunction with the present invention can be utilized. In this manner, the apparatus and method of the present invention can be utilized to facilitate compliance with the various and respective state, country, and/or sovereignty, gaming laws and/or gambling laws and/or so as to facilitate any reporting of gaming activities and/or gambling activities to the appropriate authorities and/or so as to facilitate and/or effectuate any payments of fees and/or taxes relating to the gaming activities and/or gambling activities.  
     [0269] The apparatus and method of the present invention can also be utilized in order to facilitate the playing of state lottery games from any state or country.  
     [0270] The apparatus and method of the present invention can also provide for gaming activities and/or gambling activities on board any one or more of a gaming establishment or gambling establishment aboard a boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., which can allow or provide gaming activities and/or gambling activities on board same. The present invention can utilize global positioning technology at a user communication device and/or on board the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, and/or commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., in order to ascertain the jurisdiction in which the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, and/or commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., is located and apply the gaming laws and rules for the identified jurisdiction to the respective gaming activities and/or gambling activities.  
     [0271] The apparatus and method of the present invention can also be utilized in order to facilitate private gaming activities and/or gambling activities between two or more parties.  
     [0272] The apparatus and method can be utilized in conjunction with any gaming activities, gambling activities, and/or games of chance. In this regard, the terms “gaming activity”, “gaming event”, “game or chance”, “gambling activity”, “gambling event”, or their plurals, refers to, but is not limited to slot machine games, slots, Black Jack, Poker, Craps, Baccarat, Roulette wheel, Keno, Multispin, Multiline, Draw Poker, Reel games, Spin Poker, “21”, pinball, Bingo, Solitaire, lottery games, state or other subdivision lottery games, Powerball lottery games, horse racing, dog racing, jai lai, off track betting games, football games, professional football games, college football games, high school football games, little league football games, championship football games or series, baseball games, baseball football games, college baseball games, high school baseball games, little league baseball games, championship baseball games or series, basketball games, professional basketball games, college basketball games, high school basketball games, little league basketball games, championship basketball games or series, professional soccer games, college soccer games, high school soccer games, little league soccer games, championship soccer games or series, professional hockey games, college hockey games, high hockey soccer games, little league hockey games, championship hockey games or series, tennis matches, wresting matches, boxing matches, golf tournament, and/or games, matches, tournaments, and/or competitions, of any type or kind.  
     [0273] The terms “gaming activity”, “gaming event”, “game or chance”, “gambling activity”, “gambling event”, or their plurals, also refer to any team gaming activities, events of games, which can facilitate team play in any of the herein-described gaming activities, events, or games of chance.  
     [0274] As used herein the terms “user”, “player”, “game player”, etc., or their plural, refer to any user, users, player, players, and/or individuals and/or entities, etc., who or which utilize the apparatus and method of the present invention in order to engage in gaming activities, gambling activities, and/or other activities which are provided by and/or facilitated by the apparatus and method of the present invention.  
     [0275] As used herein the terms “gaming provider”, “gaming facility”, “gaming venue”, “gaming house”, or their plurals, refer to any gaming provider, gaming facility, gaming venue, gaming house, casino, gambling hall, state lottery commission, state gaming commission, Indian reservation gaming commission, gaming establishment, gaming establishment or gambling establishment aboard a boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, a bus, an automobile, a train, a subway train, etc., which can allow or provide gaming activities and/or gambling activities on board same, gaming outlet, race track, stadium, arena, web site, server computer, and/or any other entity which can be the place, location, and/or venue, at which one may engage in gaming activity, gambling activity, place a bet, make a bet, engage in a game of chance, and/or otherwise engage in a gaming activity, gambling activity, and/or other game of chance.  
     [0276] As used herein, the terms “gaming derivative” or “gambling derivative”, or their plurals, refer to any derivative instrument, derivative, option, future, credit derivative, etc., which can be developed for and/or associated with any of the gaming activities, gambling activities, and/or any risk of loss reduction activities, hedging activities, and/or gaming or gambling games or activities associated therewith, in conjunction with which the present invention may be utilized.  
     [0277] As used herein the term “counterparty” or “counterparties” refer to an individual who is a counterpart to another or others in a bet, a wager, a gaming activity, a gaming event, a gambling activity, and/or a gambling event, and/or to individuals who are counterparts to another or others in a bet, a wager, a gaming activity, a gaming event, a gambling activity, and/or a gambling event.  
     [0278] The apparatus and method of the present invention can also be utilized to provide the gaming results or gambling results to a user or player.  
     [0279] Applicant hereby incorporates by reference herein the subject matter and teachings of U.S. Provisional Patent Application Serial No. 60/384,707, filed May 31, 2002, and entitled “APPARATUS AND METHOD FOR FACILITATING GAMING ACTIVITY AND/OR GAMBLING ACTIVITY”.  
     [0280]FIG. 1 illustrates a preferred embodiment of the apparatus of the present invention, which is designated by reference numeral  100 , in block diagram form. With reference to FIG. 1, the apparatus  100  comprises a central processing computer or server computer  10  (hereinafter “central processing computer 10”). The central processing computer  10  can include any number of central processing computers and/or computer systems. The central processing computer  10  can be associated with any gaming provider, gaming facility, gaming venue, ad/or with any number of gaming providers, gaming facilities, and/or gaming venues.  
     [0281] The central processing computer(s)  10  can have a web site or web sites associated therewith.  
     [0282] In any and/or all of the embodiments described herein, the central processing computer(s)  10  can be comprised of one computer or computer system and/or can be comprised of a plurality of computers or computer systems.  
     [0283] The central processing computer(s)  10 , in the preferred embodiment, are capable for performing any of and all of the processing routines and/or functionality described herein as being performed by the apparatus  100  of the present invention.  
     [0284] With reference to FIG. 1, the apparatus  100  also includes any number of user computers or user communication devices  20  (hereinafter “user communication device 20”). The user communication device  20  can be utilized in order to communicate with the central processing computer(s)  10  described herein. In the preferred embodiment, the user communication device or devices  20  can linked with the central processing computer(s)  10 .  
     [0285] The user communication device  20  can be utilized by any of the herein-described users or players in order to interface with, and/or interact with, the central processing computer  10 . In the preferred embodiment, the user communication device  20  can be a computer, a computer terminal, a terminal device connected to, or associated with, the central processing computer  10 , a kiosk, a personal computer, a home computer, a communication device, a telephone, an interactive television, a personal communication device, a pocket personal computer, a telephone, a cellular telephone, a wireless telephone, a videophone, a video telephone, a palm device, a palm-top device, a hand-held device, a personal digital assistant, and/or any other communication device.  
     [0286] The user communication device  20  can also include and/or be utilized in conjunction with a network computer which can be utilized to receive e-mail messages for, or on behalf of a user. The network computer, in the preferred embodiment, can transmit the e-mail messages to any of the herein-described user communication devices and/or can provide the e-mail message to the user communication device  20  when so requested by the user. In any and/or all of the embodiments described herein, the respective network computer can also automatically transmit or “push” an e-mail message or e-mail messages to a user communication device  20  as soon as same are received and/or in real-time.  
     [0287] In any and/or all of the embodiments described herein, the respective network computer can also serve as a conventional e-mail server which can allow a user to request or “pull” an e-mail message or e-mail messages to a user communication device  20  when requested by the user or other authorized individual.  
     [0288] In the preferred embodiment, any number of user communication devices  20  can be utilized. The user communication devices  20  described herein can be utilized to communicate with the central processing computer(s)  10  in a bi-directional manner.  
     [0289] With reference once again to FIG. 1, the apparatus  100  can also include a computer or computer system which can be associated with a gaming provider, a gaming facility computer, and/or gaming venue  30  (hereinafter referred to as “gaming facility computer 30”) which can be associated with and/or located at, in, or in the vicinity of, any of the gaming providers, gaming facilities, gaming venues, casinos, gambling halls, boats, ships, cruise ships, commercial boats or cruise ships, passenger boats, ferries, marine vehicles, marine vessels, aircraft, airplanes, jets, passenger aircraft, shuttle aircraft, commercial aircraft, trains, subway trains, buses, and/or automobiles, gaming outlets, race tracks, stadiums, arenas, web sites, server computers, and/or any other entities or venues which can be the place, location, and/or venue, at which one may engage in gaming activity, gambling activity, place a bet, make a bet, engage in a game of chance, and/or otherwise engage in a gaming activity, gambling activity, and/or other game of chance. The apparatus  100  can include any number of gaming facility computers  30 .  
     [0290] A gaming facility computer  30  or computers can be associated with a gaming provider, a gaming facility, and/or a gaming venue and/or can be associated with any gaming activity, game of chance, gaming machine, etc., located at, in, or in the vicinity of, a gaming provider.  
     [0291] A gaming facility computer  30  can also be associated with and/or located at, in, or in the vicinity of, any of the gaming venues, gaming machines, gaming tables, and/or other gaming locations in, at, or in the vicinity of any of the herein-described gaming provider, a gaming facility, and/or gaming venue. Any number of gaming facility computers  30  can be utilized in conjunction with the apparatus  100  of the present invention.  
     [0292] The gaming facility computer(s)  30  can have a web site or web sites associated therewith.  
     [0293] In any and/or all of the embodiments described herein, the gaming facility computer(s)  30  can be comprised of one computer or computer system and/or can be comprised of a plurality of computers or computer systems.  
     [0294] The apparatus  100  can also include a financial institution or financial intermediary computer or computer system  40  (hereinafter referred to as “financial institution computer 40”) which can be associated with and/or which can administer and/or service financial accounts and/or gaming accounts for any of the herein-described users, players, gaming providers, gaming facilities, and/or gaming venues described herein. Any number of financial institution computers  40  can be utilized in conjunction with the apparatus  100  of the present invention.  
     [0295] The financial institution computer(s)  40  can have a web site or web sites associated therewith.  
     [0296] In any and/or all of the embodiments described herein, the financial institution computer(s)  40  can be comprised of one computer or computer system and/or can be comprised of a plurality of computers or computer systems.  
     [0297] The apparatus  100  can also include an escrow agent computer or computer system  50  (hereinafter referred to as “escrow agent computer 50”) which can be associated with and/or which can act as an escrow facility for holding bets and/or any other entities, money, objects, etc., which can be the subject of the bet or wager. The escrow agent, in the preferred embodiment, is a neutral administrator who or which can act as the escrow agent for parties to a bet or wager and/or can be the officiating party or entity to officiate over a bet or wager when and/or if such service or services are or may be needed and/or desired. Any number of escrow agent computers  50  can be utilized in conjunction with the apparatus  100  of the present invention.  
     [0298] The escrow agent computer(s)  50  can have a web site or web sites associated therewith.  
     [0299] In any and/or all of the embodiments described herein, the escrow agent computer(s)  50  can be comprised of one computer or computer system and/or can be comprised of a plurality of computers or computer systems.  
     [0300] The apparatus  100  can also include a governmental entity computer or computer system  60  (hereinafter “governmental entity computer 60”) which can be a computer or computers which are associated with a federal, state, or local, government gaming commission, gaming administrator or other governmental entity which can regulate, oversee, and/or administer, gaming activities, gaming events, and/or games of chance, which can take place under, or within, the jurisdiction of the respective federal, state, or local, government gaming commission, gaming administrator or other governmental entity.  
     [0301] The governmental entity computer(s)  60  can have a web site or web sites associated therewith.  
     [0302] In any and/or all of the embodiments described herein, the governmental entity computer(s)  60  can be comprised of one computer or computer system and/or can be comprised of a plurality of computers or computer systems.  
     [0303] The apparatus  100 , in a preferred embodiment, can also include video equipment  70  which can be located at, or in the vicinity of a gaming activity, gaming event, and/or gaming facility, in order to provide video information regarding the respective gaming activity, gaming event, and/or gaming facility. For example, a user engaging in gambling activity at a casino located at a distant location can obtain video information at a table game in order to engage in a gaming activity at the table. For example, a user or player can access a Black Jack table, a Poker table, a Roulette wheel game, and/or any other table, machine, or location, and view and/or participate in the game while obtaining video information of the game via the video equipment  70 .  
     [0304] In this manner, the video equipment  70  can be utilized in order to allow a user of player to bet on, wager on, and/or engage in, a gaming activity from a remote location. In another embodiment, the video equipment  70  can be utilized to provide video of a game, a match, a sporting event, tournament, and/or competition which is the subject of gaming activity and/or gambling activity. For example, a user betting or wagering on a horserace, a boxing match, and/or a sporting event or game, can view the event upon betting or wagering on same. In this manner, the apparatus  100  can be utilized in a gaming and/or pay per view scenario so that users or players can view the respective event upon betting or wagering on same.  
     [0305] The video equipment  70  can include a video camera, a video recording device, a video recording camera, a camera, and/or any other device for recording and/or providing video information.  
     [0306] The video recording equipment  70  can also include a receiver for receiving signals and/or command signals from any one or more of the central processing computers  10 , the user communication devices  20 , the gaming facility computers  30 , the financial institution computers  40 , the escrow agent computers  50 , and/or the governmental entity computers  60 , described herein.  
     [0307] The video equipment  70  can also include transmitters for transmitting video information to any one or more of the any one or more of the central processing computers  10 , the user communication devices  20 , the gaming facility computers  30 , the financial institution computers  40 , the escrow agent computers  50 , and/or the governmental entity computers  60 , described herein.  
     [0308] The apparatus  100 , in a preferred embodiment, can also include audio equipment  80  which can be located at, or in the vicinity of a gaming activity, gaming event, and/or gaming facility, in order to provide audio information regarding the respective gaming activity, gaming event, and/or gaming facility.  
     [0309] For example, a user engaging in gambling activity located at a distant location can obtain audio information at the event or game in order to engage and/or to hear the gaming event or game. For example, a user or player can access a game, and/or an event, or location, and hear and/or participate in the game while obtaining audio information of the game via the audio equipment  80 . In this manner, audio equipment  80  can be utilized in order to allow a user of player to bet on, wager on, and/or engage in, gaming activity from a remote location. In another embodiment, the audio equipment  80  can be utilized to provide audio of a game, a match, a sporting event, tournament, and/or competition which is the subject of gaming activity and/or gambling activity. For example, a user betting or wagering on a horserace, a boxing match, and/or a sporting event or game, can hear the event upon betting or wagering on same. In this manner, the apparatus  100  can be utilized in a gaming and/or pay per listening scenario so that users or players can hear the respective event upon betting or wagering on same.  
     [0310] The video conferencing equipment  90  can include a video camera, a video recording device, a video recording camera, a camera, and/or any other device for recording and/or providing video information, an audio recording device, a microphone, a tape recorder, and/or any other audio recording device for recording and/or providing audio information.  
     [0311] The video conferencing equipment  90  can also include a receiver for receiving signals and/or command signals from any one or more of the central processing computers  10 , the user communication devices  20 , the gaming facility computers  30 , the financial institution computers  40 , the escrow agent computers  50 , and/or the governmental entity computers  60 , described herein.  
     [0312] The video conferencing equipment  90  can also include transmitters for transmitting video information to any one or more of the any one or more of the central processing computers  10 , the user communication devices  20 , the gaming facility computers  30 , the financial institution computers  40 , the escrow agent computers  50 , and/or the governmental entity computers  60 , described herein.  
     [0313] The apparatus  100 , in a preferred embodiment, can also include video conferencing equipment  90  which can be located at, or in the vicinity of a gaming activity, gaming event, and/or gaming facility, in order to provide two-way video ad audio communication between a user or player and a respective gaming activity, gaming event, and/or gaming facility.  
     [0314] For example, a user engaging in gambling activity at a casino located at a distant location can video conference with the gaming house, with the gaming house&#39;s employees, with a dealer or dealers, with other game or activity administrating individuals, and/or with other players, in order to participate in and/or to engage in a gaming activity at the table or other gaming venue. In this manner, the apparatus  100  can facilitate a user&#39;s participation and/or gambling, betting, and/or wagering, in a game from a remote location while being able to interact with the gaming house, its employees, and/or other players as if the user or player were located at the game or event.  
     [0315] The video conferencing equipment  90  can be utilized to allow a user or player to remotely access, for example, a Black Jack table, a Poker table, a Roulette wheel game, and/or any other table, machine, or location, and view, hear, participate in, and engage in two-way communication with, the game, the gaming house, gaming house employees, and/or other users or players via the video conferencing equipment  90 .  
     [0316] The audio equipment  80  can include an audio recording device, a microphone, a tape recorder, and/or any other audio recording device for recording and/or providing audio information.  
     [0317] The audio recording equipment  80  can also include a receiver for receiving signals and/or command signals from any one or more of the central processing computers  10 , the user communication devices  20 , the gaming facility computers  30 , the financial institution computers  40 , the escrow agent computers  50 , and/or the governmental entity computers  60 , described herein.  
     [0318] The audio equipment  80  can also include transmitters for transmitting audio information to any one or more of the any one or more of the central processing computers  10 , the user communication devices  20 , the gaming facility computers  30 , the financial institution computers  40 , the escrow agent computers  50 , and/or the governmental entity computers  60 , described herein.  
     [0319] In this manner, the video conferencing equipment  90  can be utilized in order to allow a user of player to bet on, wager on, and/or engage in, a gaming activity from a remote location while being able to engage in two-way communications concerning the gaming activity. In another embodiment, the video conferencing equipment  90  can be utilized to provide video and/or audio of a game, a match, a sporting event, tournament, and/or competition which is the subject of gaming activity and/or gambling activity.  
     [0320] For example, a user betting or wagering on a horserace, a boxing match, a baseball game, and/or a sporting event or game, can view the event upon betting or wagering on same and be able to engage in two-way communication with an individual or individuals located at, officiating, or participating in, the gaming activity or gaming event. In this manner, the apparatus  100  can also be utilized in a gaming and/or pay per view scenario so that users or players can view and/or interact with the respective event upon betting or wagering on same.  
     [0321] In the preferred embodiment, the central processing computer  10  can communicate with any and/or all of the herein-described user communication devices  20 , gaming facility computers  30 , financial institution computers  40 , escrow agent computers  50 , governmental entity computers  60 , video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any other central processing computers  10  described herein, in a bi-directional manner.  
     [0322] In the preferred embodiment, the user communication device  20  can communicate with any and/or all of the herein-described central processing computers  10 , gaming facility computers  30 , financial institution computers  40 , escrow agent computers  50 , governmental entity computers  60 , video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any other user communication devices  20  described herein, in a bi-directional manner.  
     [0323] In the preferred embodiment, the gaming facility computers  30  can communicate with any and/or all of the herein-described central processing computers  10 , user communication devices  20 , financial institution computers  40 , escrow agent computers  50 , governmental entity computers  60 , video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any other gaming facility computers  30 , described herein, in a bi-directional manner.  
     [0324] In the preferred embodiment, the financial institution computers  40 , can communicate with any and/or all of the herein-described central processing computers  10 , user communication devices  20 , gaming facility computers  30 , escrow agent computers  50 , governmental entity computers  60 , video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any other financial institution computers  40 , described herein, in a bi-directional manner.  
     [0325] In the preferred embodiment, the escrow agent computers  50  can communicate with any and/or all of the herein-described central processing computers  10 , user communication devices  20 , gaming facility computers  30 , financial institution computers  40 , governmental entity computers  60 , video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any other escrow agent computers  50 , described herein, in a bi-directional manner.  
     [0326] In the preferred embodiment, the governmental entity computers  60  can communicate with any and/or all of the herein-described central processing computers  10 , user communication devices  20 , gaming facility computers  30 , financial institution computers  40 , escrow agent computers  50 , video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any other governmental entity computers  60 , described herein, in a bi-directional manner.  
     [0327] In the preferred embodiment, any of the central processing computers  10 , the user communication devices  20 , the gaming facility computers  30 , the financial institution computers  40 , the escrow agent computers  50 , and/or the governmental entity computers  60 , can any one or more of access, activate, de-activate, enable, and/or disable, any of the herein-described video equipment  70 , audio equipment  80 , and/or video conferencing equipment  90 .  
     [0328] In the preferred embodiment, the apparatus  100  and method of the present invention can be utilized over any suitable communication network and/or any combination of computer networks, including, but not limited to the Internet, the World Wide Web, a telecommunication network or system, a telephone network or system, a cable television communication network or system, a satellite communication network or system, a broadband communication network or system, a radio frequency communication network or system, an optical communication network or system, a line-connected network or system, a wireless network or system, a radio communication network or system, a digital communication network or system, a personal communications services (PCS) network or system, a local area network (LAN), a wide area network (WAN), a wireless Internet network or system, a wireless World Wide Web network or system, an optical communication network or system, a broadband communication network or system, a Bluetooth communication network or system, a streaming video communication network or system, a streaming audio communication network or system, a live video communication network or system, and/or any other suitable communications network or system, and/or any combination(s) thereof.  
     [0329]FIG. 2 illustrates the central processing computer  10  of the apparatus  100 , in block diagram form. With reference to FIG. 2, the central processing computer  10  includes a central processing unit (CPU)  10 A. The central processing unit (CPU)  10 A may be a microprocessor, a microcomputer, a minicomputer, a macro-computer, or a mainframe computer, depending upon the application.  
     [0330] The central processing computer  10  also includes a read only memory (ROM) device  10 B and a random access memory (RAM) device  10 C which are also connected to the CPU  10 A. The central processing computer  10  also includes a user input device(s)  10 D which can include any one or more of a keyboard, a scanner, a user pointing device, such as, for example, a mouse, an audio input device, a touch pad, a touch screen, etc., which input device(s)  10 D is also connected to the CPU  10 A.  
     [0331] The central processing computer  10  also includes a display device  10 E, such as a display monitor and/or a display screen for providing the herein-described information to the operator of the central processing computer  10 . The display device  10 E is also connected to the CPU  10 A.  
     [0332] The central processing computer  10  can also include an output device  10 F, such as a printer, a display device, and/or a modem, for outputting, in either or both of hard copy form or electronic form, any of the information which is described herein as being provided by, or at, the central processing computer  10 . The output device  10 F can also be connected to the CPU  10 A.  
     [0333] The central processing computer  10  can also include a database(s)  10 G, which can contain any information and/or data which may be required, and/or which may be desired, for performing any of the functionality and/or processing routines described herein as being performed by the central processing computer  10  and/or the apparatus  100 .  
     [0334] For example, the database  10 G can contain account information for any of the user or players, gaming providers, gaming facilities, gaming events, financial institutions, escrow agents, and/or governmental entities, who or which utilize the apparatus  100  and method of the present invention, including, but not limited to , name of the respective party, address of the respective party, telephone number of the respective party, e-mail address of the respective party, financial account information of the respective party, gaming account information of the respective party, limitation or restrictions on a user&#39;s or a player&#39;s gaming account, gaming account betting limits for a user&#39;s or a player&#39;s gaming account, games or games of chance which can be played via the apparatus  100  of the present invention, gaming activities, gaming events, and/or games of chance which can be the subject of gaming activity or gambling activity, schedules of gaming activities or gambling activities, results of gaming activities or gambling activities, historical information, including statistical results regarding gaming activities or gambling activities, and/or any other information and/or data described herein and/or otherwise which is needed and/or desired in order to perform any and/or all of the processing routines and/or functionality described herein as being performed and/or provided by the apparatus  100  and method of the present invention and/or by any of the user computers  20 , gaming facility computers  30 , financial institution computers  40 , escrow agent computers  50 , governmental entity computers  60 , and/or any of the other central processing computers  10  described herein.  
     [0335] The database  10 G also contains information regarding any and/or all of the video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any of the components thereof, described as being utilized in conjunction with the apparatus  100  of the present invention. The information regarding the video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any of the components thereof, can include the identity of the respective equipment or component, the location of deployment, the game, gaming activity, gaming facility, gaming event, gaming provider, in conjunction with which the respective equipment or component is utilized, an IP address or other address for accessing the respective equipment or component thereof, and/or any other information needed and/or desired regarding the operation and/or utilization of the video equipment  70 , the audio equipment  80 , and/or the video conferencing equipment  90 .  
     [0336] The database  10 G can also contain information regarding gaming laws, regulations, and rules, income tax laws, regulations, and/or rules, regarding any of the jurisdictions in which the apparatus  100  and method of the present invention can be utilized.  
     [0337] The database  10 G can also contain any other data and/or information which may be needed and/or desired for performing any and/or all of the processing routines and/or functionality described herein as being provided by the central processing computer  10  and/or apparatus  100 . The database  10 G can also be connected to the CPU  10 A.  
     [0338] The central processing computer  10  can also include a receiver  10 H for receiving data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided to the central processing computer  10  from any of the user communication devices  20 , from any of the gaming facility computers  30 , from any of the financial institution computers  40 , from any of the escrow agent computers  50 , from any of the governmental entity computers  60 , and/or from any of the other central processing computers  10  described herein. The receiver  10 H can also be connected to the CPU  10 A.  
     [0339] The central processing computer  10  can also include a transmitter  10 I for transmitting data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided from the central processing computer  10  to any of the user communication devices  20 , to any of the gaming facility computers  30 , to any of the financial institution computers  40 , to any of the escrow agent computers  50 , to any of the governmental entity computers  60 , and/or to any of the other central processing computers  10  described herein. The transmitter  10 I can also be connected to the CPU  10 A.  
     [0340] With reference to FIG. 2, the central processing computer  10  can also include a global positioning device  10 J for determining the position or location of the central processing computer  10 . In a preferred embodiment, the global positioning device  10 J can be utilized in order to determine the position or location of the central processing computer  10  so as to, for example, determine a jurisdiction in which the central processing computer  10  is located.  
     [0341] For example, if the central processing computer  10  is located on board a boat, ship, aircraft, or jet, the global positioning device  10 J can be utilized in order to determine if the respective boat, ship, aircraft, or jet, is in or over international waters or international airspace, and, therefore, outside of a state&#39;s or a country&#39;s gaming laws, or within the jurisdiction of international gaming laws, etc., if applicable. In another embodiment, when traveling over land, such as in a bus, automobile, train, etc., the global positioning device  10 J can be utilized in order to determine when a state or national line has been crossed in order to ascertain that new gaming laws may be or have been put into effect. The global positioning device  10 J can also be connected with the CPU  10 A.  
     [0342]FIG. 3 illustrates the user communication device  20  of FIG. 1, in block diagram form. With reference to FIG. 3, the user communication device  20  includes a central processing unit (CPU)  20 A. The central processing unit (CPU)  20 A may be a microprocessor, a microcomputer, a minicomputer, a macro-computer, or a mainframe computer, depending upon the application.  
     [0343] The user communication device  20  also includes a read only memory (ROM) device  20 B and a random access memory (RAM) device  20 C which are also connected to the CPU  20 A. The user communication device  20  also includes a user input device(s)  20 D which can include any one or more of a keyboard, a scanner, a user pointing device, such as, for example, a mouse, an audio input device, a touch pad, a touch screen, etc., which input device(s)  20 D is also connected to the CPU  20 A.  
     [0344] The user communication device  20  also includes a display device  20 E, such as a display monitor and/or a display screen for providing the herein-described information to the user or player. The display device  20 E is also connected to the CPU  20 A. The user communication device  20  can also include an output device  20 F, such as a printer, a display device, and/or a modem, for outputting, in either or both of hard copy form or electronic form, any of the information which is described herein as being provided by, or at, the user communication device  20 . The output device  20 F can also be connected to the CPU  20 A.  
     [0345] The user communication device  20  can also include a database(s)  20 G, which can contain any information and/or data which may be required, and/or which may be desired, for performing any of the functionality and/or processing routines described herein as being performed by the user communication device  20  and/or the apparatus  100 . In a preferred embodiment, the database  20 G can also include any of the information and/or data described herein as being contained in the respective databases of the central processing computer(s)  10 , the gaming facility computer(s)  30 , the financial institution computer(s)  40 , the escrow agent computer(s)  50 , and/or the governmental entity computer(s)  60 , described herein. The database  20 G can also be connected to the CPU  20 A.  
     [0346] The user communication device  20  can also include a receiver  20 H for receiving data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided to the user communication device  20 , from any of the central processing computer systems  10 , from any of the gaming facility computers  30 , from any of the financial institution computers  40 , from any of the escrow agent computers  50 , from any of the governmental entity computers  60 , and/or from any of the other user communication devices  20 , described herein. The receiver  20 H can also be connected to the CPU  20 A.  
     [0347] The user communication device  20  can also include a transmitter  20 I for transmitting data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided from or transmitted from the user communication device  20 , to any of the central processing computer systems  10 , to any of the gaming facility computers  30 , to any of the financial institution computers  40 , to any of the escrow agent computers  50 , to any of the governmental entity computers  60 , and/or to any of the other user communication devices  20 , described herein. The transmitter  20 I can also be connected to the CPU  20 A.  
     [0348] With reference to FIG. 3, the user communication device  20  can also include a global positioning device  20 J for determining the position or location of the user communication device  20 . In a preferred embodiment, the global positioning device  20 J can be utilized to determine the position or location of the user communication device  20  so as to, for example, determine a jurisdiction in which the user communication device  20  is located and/or is being utilized.  
     [0349] For example, if the user communication device  20  is located on board a boat, ship, aircraft, or jet, the global positioning device  20 J can be utilized in order to determine if the respective boat, ship, aircraft, or jet, is in or over international waters or international airspace, and, therefore, outside of a state&#39;s or a country&#39;s gaming laws, or within the jurisdiction of international gaming laws, etc., if applicable. In another embodiment, when traveling over land, such as in a bus, automobile, train, etc., the global positioning device  20 J can be utilized in order to determine when a state or national line has been crossed in order to ascertain that new gaming laws may be or have been put into effect. The global positioning device  20 J can also be connected with the CPU  20 A.  
     [0350]FIG. 4 illustrates the gaming facility computer  30  of the apparatus  100 , in block diagram form. With reference to FIG. 4, the gaming facility computer  30  includes a central processing unit (CPU)  30 A. The central processing unit (CPU)  30 A may be a microprocessor, a microcomputer, a minicomputer, a macro-computer, or a mainframe computer, depending upon the application.  
     [0351] The gaming facility computer  30  also includes a read only memory (ROM) device  30 B and a random access memory (RAM) device  30 C which are also connected to the CPU  30 A. The gaming facility computer  30  also includes a user input device(s)  30 D which can include any one or more of a keyboard, a scanner, a user pointing device, such as, for example, a mouse, an audio input device, a touch pad, a touch screen, etc., which input device(s)  30 D is also connected to the CPU  30 A.  
     [0352] The gaming facility computer  30  also includes a display device  30 E, such as a display monitor and/or a display screen for providing the herein-described information to the operator of the gaming facility computer  30 . The display device  30 E is also connected to the CPU  30 A.  
     [0353] The gaming facility computer  30  can also include an output device  30 F, such as a printer, a display device, and/or a modem, for outputting, in either or both of hard copy form or electronic form, any of the information which is described herein as being provided by, or at, the gaming facility computer  30 . The output device  30 F can also be connected to the CPU  30 A.  
     [0354] The gaming facility computer  30  can also include a database(s)  30 G, which can contain any information and/or data which may be required, and/or which may be desired, for performing any of the functionality and/or processing routines described herein as being performed by the gaming facility computer  30  and/or the apparatus  100 .  
     [0355] For example, the database  30 G can contain account information for any of the user or players, gaming providers, gaming facilities, gaming events, financial institutions, escrow agents, and/or governmental entities, who or which utilize the apparatus  100  and method of the present invention, including, but not limited to, name of the respective user or party, address of the respective user or party, telephone number of the respective user or party, e-mail address of the respective user or party, financial account information of the respective user or party, gaming account information of the respective user or party, limitation or restrictions on a user&#39;s or a player&#39;s gaming account, gaming account betting limits for a user&#39;s or a player&#39;s gaming account, games or games of chance which can be played via the apparatus  100  of the present invention, gaming activities, gaming events, and/or games of chance which can be the subject of gaming activity or gambling activity, schedules of gaming activities or gambling activities, results of gaming activities or gambling activities, historical information, including statistical results regarding gaming activities or gambling activities, and/or any other information and/or data described herein and/or otherwise which is needed and/or desired in order to perform any and/or all of the processing routines and/or functionality described herein as being performed and/or provided by the apparatus  100  and method of the present invention and/or by any of the central processing computers  10 , user computers  20 , financial institution computers  40 , escrow agent computers  50 , governmental entity computers  60 , and/or any of the other gaming facility computer  30  described herein.  
     [0356] The database  30 G also contains information regarding any and/or all of the video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any of the components thereof, described as being utilized in conjunction with the apparatus  100  of the present invention. The information regarding the video equipment  70 , audio equipment  80 , video conferencing equipment  90 , and/or any of the components thereof, can include the identity of the respective equipment or component, the location of deployment, the game, gaming activity, gaming facility, gaming event, gaming provider, in conjunction with which the respective equipment or component is utilized, an IP address or other address for accessing the respective equipment or component thereof, and/or any other information needed and/or desired regarding the operation and/or utilization of the video equipment  70 , the audio equipment  80 , and/or the video conferencing equipment  90 .  
     [0357] The database  30 G can also contain information regarding gaming laws, regulations, and rules, income tax laws, regulations, and/or rules, regarding any of the jurisdictions in which the apparatus  100  and method of the present invention can be utilized.  
     [0358] The database  30 G can also contain any other data and/or information which may be needed and/or desired for performing any and/or all of the processing routines and/or functionality described herein as being provided by the gaming facility computer  30  and/or apparatus  100 . The database  30 G can also be connected to the CPU  30 A.  
     [0359] The gaming facility computer  30  can also include a receiver  30 H for receiving data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided to the gaming facility computer  30  from any of the central processing computers  10 , from any of the user communication devices  20 , from any of the financial institution computers  40 , from any of the escrow agent computers  50 , from any of the governmental entity computers  60 , and/or from any of the other gaming facility computers  30 , described herein. The receiver  30 H can also be connected to the CPU  30 A.  
     [0360] The gaming facility computer  30  can also include a transmitter  30 I for transmitting data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided from the gaming facility computer  30  to any of the central processing computers, to any of the user communication devices  20 , to any of the financial institution computers  40 , to any of the escrow agent computers  50 , to any of the governmental entity computers  60 , and/or to any of the other gaming facility computers  30 , described herein. The transmitter  30 I can also be connected to the CPU  30 A.  
     [0361] With reference to FIG. 4, the gaming facility computer  30  can also include a global positioning device  30 J for determining the position or location of the gaming facility computer  30 . In a preferred embodiment, the global positioning device  30 J can be utilized in order to determine the position or location of the gaming facility computer  30  so as to, for example, determine a jurisdiction in which the gaming facility computer  30  is located.  
     [0362] For example, if the gaming facility computer  30  is located on board a boat, ship, aircraft, or jet, the global positioning device  30 J can be utilized in order to determine if the respective boat, ship, aircraft, or jet, is in or over international waters or international airspace, and, therefore, outside of a state&#39;s or a country&#39;s gaming laws, or within the jurisdiction of international gaming laws, etc., if applicable. In another embodiment, when traveling over land, such as in a bus, automobile, train, etc., the global positioning device  30 J can be utilized in order to determine when a state or national line has been crossed in order to ascertain that new gaming laws may be or have been put into effect. The global positioning device  30 J can also be connected with the CPU  30 A.  
     [0363]FIG. 5 illustrates the financial institution computer  40  of the apparatus  100 , in block diagram form. With reference to FIG. 5, the financial institution computer  40  includes a central processing unit (CPU)  40 A. The central processing unit (CPU)  40 A may be a microprocessor, a microcomputer, a minicomputer, a macro-computer, or a mainframe computer, depending upon the application.  
     [0364] The financial institution computer  40  also includes a read only memory (ROM) device  40 B and a random access memory (RAM) device  40 C which are also connected to the CPU  40 A. The financial institution computer  40  also includes a user input device(s)  40 D which can include any one or more of a keyboard, a scanner, a user pointing device, such as, for example, a mouse, an audio input device, a touch pad, a touch screen, etc., which input device(s)  40 D is also connected to the CPU  40 A.  
     [0365] The financial institution computer  40  also includes a display device  40 , such as a display monitor and/or a display screen for providing the herein-described information to the operator of the financial institution computer  40 . The display device  40 E is also connected to the CPU  40 A.  
     [0366] The financial institution computer  40  can also include an output device  40 F, such as a printer, a display device, and/or a modem, for outputting, in either or both of hard copy form or electronic form, any of the information which is described herein as being provided by, or at, the financial institution computer  40 . The output device  40 F can also be connected to the CPU  40 A.  
     [0367] The financial institution computer  40  can also include a database(s)  40 G, which can contain any information and/or data which may be required, and/or which may be desired, for performing any of the functionality and/or processing routines described herein as being performed by the financial institution computer  40  and/or the apparatus  100 .  
     [0368] For example, the database  40 G can contain account information for any of the user or players, gaming providers, gaming facilities, gaming events, financial institutions, escrow agents, and/or governmental entities, who or which utilize the apparatus  100  and method of the present invention, including, but not limited to, name of the respective user or party, address of the respective user or party, telephone number of the respective user or party, e-mail address of the respective user or party, financial account information of the respective user or party, gaming account information of the respective user or party, limitation or restrictions on a user&#39;s or a player&#39;s gaming account, gaming account betting limits for a user&#39;s or a player&#39;s gaming account, games or games of chance which can be played via the apparatus  100  of the present invention, gaming activities, gaming events, and/or games of chance which can be the subject of gaming activity or gambling activity, schedules of gaming activities or gambling activities, results of gaming activities or gambling activities, historical information, including statistical results regarding gaming activities or gambling activities, and/or any other information and/or data described herein and/or otherwise which is needed and/or desired in order to perform any and/or all of the processing routines and/or functionality described herein as being performed and/or provided by the apparatus  100  and method of the present invention and/or by any of the central processing computers  10 , user computers  20 , gaming facility computers  30 , escrow agent computers  50 , governmental entity computers  60 , and/or any of the other financial institution computer  40  described herein.  
     [0369] The database  40 G can also contain information regarding gaming laws, regulations, and rules, income tax laws, regulations, and/or rules, regarding any of the jurisdictions in which the apparatus  100  and method of the present invention can be utilized.  
     [0370] The database  40 G can also contain any other data and/or information which may be needed and/or desired for performing any and/or all of the processing routines and/or functionality described herein as being provided by the financial institution computers  40  and/or the apparatus  100 . The database  40 G can also be connected to the CPU  40 A.  
     [0371] The financial institution computer  40  can also include a receiver  40 H for receiving data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided to the financial institution computer  40  from any of the central processing computers  10 , from any of the user communication devices  20 , from any of the gaming facility computers  30 , from any of the escrow agent computers  50 , from any of the governmental entity computers  60 , and/or from any of the other financial institution computers  40 , described herein. The receiver  40 H can also be connected to the CPU  40 A.  
     [0372] The financial institution computer  40  can also include a transmitter  40 I for transmitting data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided from the financial institution computer  40  to any of the central processing computers, to any of the user communication devices  20 , to any of the gaming facility computers  40 , to any of the escrow agent computers  50 , to any of the governmental entity computers  60 , and/or to any of the other financial institution computers  40 , described herein. The transmitter  40 I can also be connected to the CPU  40 A.  
     [0373] With reference to FIG. 5, the financial institution computer  40  can also include a global positioning device  40 J for determining the position or location of the financial institution computer  40 . In a preferred embodiment, the global positioning device  40 J can be utilized in order to determine the position or location of the financial institution computer  40  so as to, for example, determine a jurisdiction in which the financial institution computer  40  is located.  
     [0374] For example, if the financial institution computer  40  is located on board a boat, ship, aircraft, or jet, the global positioning device  40 J can be utilized in order to determine if the respective boat, ship, aircraft, or jet, is in or over international waters or international airspace, and, therefore, outside of a state&#39;s or a country&#39;s gaming laws, or within the jurisdiction of international gaming laws, etc., if applicable. In another embodiment, when traveling over land, such as in a bus, automobile, train, etc., the global positioning device  40 J can be utilized in order to determine when a state or national line has been crossed in order to ascertain that new gaming laws may be or have been put into effect. The global positioning device  40 J can also be connected with the CPU  40 A.  
     [0375]FIG. 6 illustrates the escrow agent computer  50  of the apparatus  100 , in block diagram form. With reference to FIG. 6, the escrow agent computer  50  includes a central processing unit (CPU)  50 A. The central processing unit (CPU)  50 A may be a microprocessor, a microcomputer, a minicomputer, a macro-computer, or a mainframe computer, depending upon the application.  
     [0376] The escrow agent computer  50  also includes a read only memory (ROM) device  50 B and a random access memory (RAM) device  50 C which are also connected to the CPU  50 A. The escrow agent computer  50  also includes a user input device(s)  50 D which can include any one or more of a keyboard, a scanner, a user pointing device, such as, for example, a mouse, an audio input device, a touch pad, a touch screen, etc., which input device(s)  50 D is also connected to the CPU  50 A.  
     [0377] The escrow agent computer  50  also includes a display device  50 , such as a display monitor and/or a display screen for providing the herein-described information to the operator of the escrow agent computer  50 . The display device  50 E is also connected to the CPU  50 A.  
     [0378] The escrow agent computer  50  can also include an output device  50 F, such as a printer, a display device, and/or a modem, for outputting, in either or both of hard copy form or electronic form, any of the information which is described herein as being provided by, or at, the escrow agent computer  50 . The output device  50 F can also be connected to the CPU  50 A.  
     [0379] The escrow agent computer  50  can also include a database(s)  50 G, which can contain any information and/or data which may be required, and/or which may be desired, for performing any of the functionality and/or processing routines described herein as being performed by the escrow agent computer  50  and/or the apparatus  100 .  
     [0380] For example, the database  50 G can contain account information for any of the user or players, gaming providers, gaming facilities, gaming events, financial institutions, escrow agents, and/or governmental entities, who or which utilize the apparatus  100  and method of the present invention, including, but not limited to, name of the respective user or party, address of the respective user or party, telephone number of the respective user or party, e-mail address of the respective user or party, financial account information of the respective user or party, gaming account information of the respective user or party, limitation or restrictions on a user&#39;s or a player&#39;s gaming account, gaming account betting limits for a user&#39;s or a player&#39;s gaming account, games or games of chance which can be played via the apparatus  100  of the present invention, gaming activities, gaming events, and/or games of chance which can be the subject of gaming activity or gambling activity, schedules of gaming activities or gambling activities, results of gaming activities or gambling activities, historical information, including statistical results regarding gaming activities or gambling activities, and/or any other information and/or data described herein and/or otherwise which is needed and/or desired in order to perform any and/or all of the processing routines and/or functionality described herein as being performed and/or provided by the apparatus  100  and method of the present invention and/or by any of the central processing computers  10 , user computers  20 , gaming facility computers  30 , financial institution computers  40 , governmental entity computers  60 , and/or any of the other escrow agent computers  50  described herein.  
     [0381] The database  50 G can also contain information regarding gaming laws, regulations, and rules, income tax laws, regulations, and/or rules, regarding any of the jurisdictions in which the apparatus  100  and method of the present invention can be utilized.  
     [0382] The database  50 G can also contain any other data and/or information which may be needed and/or desired for performing any and/or all of the processing routines and/or functionality described herein as being provided by the escrow agent computers  50  and/or the apparatus  100 . The database  50 G can also be connected to the CPU  50 A.  
     [0383] The escrow agent computer  50  can also include a receiver  50 H for receiving data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided to the escrow agent computer  50  from any of the central processing computers  10 , from any of the user communication devices  20 , from any of the gaming facility computers  30 , from any of the financial institution computers  40 , from any of the governmental entity computers  60 , and/or from any of the other escrow agent computers  50  described herein. The receiver  50 H can also be connected to the CPU  50 A.  
     [0384] The escrow agent computer  50  can also include a transmitter  50 I for transmitting data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided from the escrow agent computer  50  to any of the central processing computers  10 , to any of the user communication devices  20 , to any of the gaming facility computers  30 , to any of the financial institution computers  40 , to any of the governmental entity computers  60 , and/or to any of the other escrow agent computers  50 , described herein. The transmitter  50 I can also be connected to the CPU  50 A.  
     [0385] With reference to FIG. 5, the escrow agent computer  50  can also include a global positioning device  50 J for determining the position or location of the escrow agent computer  50 . In a preferred embodiment, the global positioning device  50 J can be utilized in order to determine the position or location of the escrow agent computer  50  so as to, for example, determine a jurisdiction in which the escrow agent computer  50  is located.  
     [0386] For example, if the escrow agent computer  50  is located on board a boat, ship, aircraft, or jet, the global positioning device  50 J can be utilized in order to determine if the respective boat, ship, aircraft, or jet, is in or over international waters or international airspace, and, therefore, outside of a state&#39;s or a country&#39;s gaming laws, or within the jurisdiction of international gaming laws, etc., if applicable. In another embodiment, when traveling over land, such as in a bus, automobile, train, etc., the global positioning device  50 J can be utilized in order to determine when a state or national line has been crossed in order to ascertain that new gaming laws may be or have been put into effect. The global positioning device  50 J can also be connected with the CPU  50 A.  
     [0387]FIG. 7 illustrates the governmental entity computer  60  of the apparatus  100 , in block diagram form. With reference to FIG. 7, the governmental entity computer  60  includes a central processing unit (CPU)  60 A. The central processing unit (CPU)  60 A may be a microprocessor, a microcomputer, a minicomputer, a macro-computer, or a mainframe computer, depending upon the application.  
     [0388] The governmental entity computer  60  also includes a read only memory (ROM) device  60 B and a random access memory (RAM) device  60 C which are also connected to the CPU  60 A. The governmental entity computer  60  also includes a user input device(s)  60 D which can include any one or more of a keyboard, a scanner, a user pointing device, such as, for example, a mouse, an audio input device, a touch pad, a touch screen, etc., which input device(s)  60 D is also connected to the CPU  60 A.  
     [0389] The governmental entity computer  60  also includes a display device  60 , such as a display monitor and/or a display screen for providing the herein-described information to the operator of the governmental entity computer  60 . The display device  60 E is also connected to the CPU  60 A.  
     [0390] The governmental entity computer  60  can also include an output device  60 F, such as a printer, a display device, and/or a modem, for outputting, in either or both of hard copy form or electronic form, any of the information which is described herein as being provided by, or at, the governmental entity computer  60 . The output device  60 F can also be connected to the CPU  60 A.  
     [0391] The governmental entity computer  60  can also include a database(s)  60 G, which can contain any information and/or data which may be required, and/or which may be desired, for performing any of the functionality and/or processing routines described herein as being performed by the governmental entity computer  60  and/or the apparatus  100 .  
     [0392] For example, the database  60 G can contain account information for any of the user or players, gaming providers, gaming facilities, gaming events, financial institutions, escrow agents, and/or governmental entities, who or which utilize the apparatus  100  and method of the present invention, including, but not limited to, name of the respective user or party, address of the respective user or party, telephone number of the respective user or party, e-mail address of the respective user or party, financial account information of the respective user or party, gaming account information of the respective user or party, limitation or restrictions on a user&#39;s or a player&#39;s gaming account, gaming account betting limits for a user&#39;s or a player&#39;s gaming account, games or games of chance which can be played via the apparatus  100  of the present invention, gaming activities, gaming events, and/or games of chance which can be the subject of gaming activity or gambling activity, schedules of gaming activities or gambling activities, results of gaming activities or gambling activities, historical information, including statistical results regarding gaming activities or gambling activities, and/or any other information and/or data described herein and/or otherwise which is needed and/or desired in order to perform any and/or all of the processing routines and/or functionality described herein as being performed and/or provided by the apparatus  100  and method of the present invention and/or by any of the central processing computers  10 , user computers  20 , gaming facility computers  30 , escrow agent computers  50 , financial institution computers  40 , and/or any of the other governmental entity computers  60  described herein.  
     [0393] The database  60 G can also contain information regarding gaming laws, regulations, and rules, income tax laws, regulations, and/or rules, regarding any of the jurisdictions in which the apparatus  100  and method of the present invention can be utilized.  
     [0394] The database  60 G can also contain any other data and/or information which may be needed and/or desired for performing any and/or all of the processing routines and/or functionality described herein as being provided by the governmental entity computers  60  and/or the apparatus  100 . The database  60 G can also be connected to the CPU  60 A.  
     [0395] The governmental entity computer  60  can also include a receiver  60 H for receiving data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided to the governmental entity computer  60  from any of the central processing computers  10 , from any of the user communication devices  20 , from any of the gaming facility computers  30 , from any of the financial institution computers  40 , from any of the escrow agent computers  50 , and/or from any of the other governmental entity computers  60  described herein. The receiver  60 H can also be connected to the CPU  60 A.  
     [0396] The governmental entity computer  60  can also include a transmitter  60 I for transmitting data and/or information, including any of the herein-described information, and/or any of the other information described herein as being provided from the governmental entity computer  60  to any of the central processing computers  10 , to any of the user communication devices  20 , to any of the gaming facility computers  30 , to any of the financial institution computers  40 , to any of the escrow agent computers  50 , to any of the governmental entity computers  60 , and/or to any of the other governmental entity computers  60 , described herein. The transmitter  60 I can also be connected to the CPU  60 A.  
     [0397] With reference to FIG. 7 location of the governmental entity computer  60 . In a preferred embodiment, the global positioning device  60 J can be utilized in order to determine the position or location of the governmental entity computer  60  so as to, for example, determine a jurisdiction in which the governmental entity computers  60  is located.  
     [0398] For example, if the governmental entity computers  60  is located on board a boat, ship, aircraft, or jet, the global positioning device  60 J can be utilized in order to determine if the respective boat, ship, aircraft, or jet, is in or over international waters or international airspace, and, therefore, outside of a state&#39;s or a country&#39;s gaming laws, or within the jurisdiction of international gaming laws, etc., if applicable. In another embodiment, when traveling over land, such as in a bus, automobile, train, etc., the global positioning device  60 J can be utilized in order to determine when a state or national line has been crossed in order to ascertain that new gaming laws may be or have been put into effect. The global positioning device  60 J can also be connected with the CPU  60 A.  
     [0399] In any and/or all of the embodiments described herein, any of the processing routines and/or functionality described herein as being provided by the apparatus  100  can be performed by and/or provided by any of the central processing computers  10  described herein and/or can be performed by and/or provided by any of the gaming facility computers  30  described herein. In this manner, the terms “central processing computer 10” and “gaming facility computer 30” can be use interchangeably in order to convey the idea that any of the respective computers can be utilized in performing the described processing routines and/or functionality.  
     [0400] In a preferred embodiment, the apparatus  100  and method of the present invention can be utilized in order to provide information regarding gaming activities, gaming events, gambling activities, and or gambling events (hereinafter referred to as “gaming event”) as well as any information relating to the gaming event. The apparatus  100  and method of the present invention can also be utilized in order to allow a user(s) or player(s) (hereinafter referred to as “user” or “users”, whichever the case may be) to place bets and/or otherwise engage or participate in the gaming event.  
     [0401] The central processing computer  10 , in a preferred embodiment, can be linked to any number of gaming facility computers  30  and can provide information regarding the gaming events which can be accessed at or via the respective gaming facility computers  30 . For example, the central processing computer  10  can be linked to, can provide links to, and/or can contain information for allowing a user to link to and/or access one or more gaming facility computers  30 . In this manner, for example, the central processing computer can be linked to a gaming facility computer for each of any number of casinos, betting halls, racetracks, off-track betting facilities, sports stadiums, areas, etc., so as to provide a central location from which a user may access any number of gaming events.  
     [0402] The central processing computer  10  can also process bets in order to allow the user to place bets on any of the gaming events which can be accessed via the central processing computer  10  and/or any of the gaming facility computers  30 . In another preferred embodiment, the user can access a particular gaming facility computer  30  directly and/or via the central processing computer  10  and place bets at the gaming facility computer  30 .  
     [0403] In another preferred embodiment, the central processing computer  10  and/or a any of the gaming facility computers  30  can also provide information to the user regarding any one or more of the gaming events. For example, a user can request information regarding the types or kinds of gaming events available on which to place a bet or bets (i.e. state lottery, casino slots, casino table game, casino roulette wheel, horserace, dog race, baseball game or series, football game or series, basketball game or series, etc.) and information regarding the gaming nature the bet or the game of chance involved (i.e. lottery odds of winning, last winning draw, last winning pay out, odds of winning, slot pay outs, frequency of user wins, amount of user wins, frequency of user wins at any table games, amount of user wins at table games, roulette wheel wins by users, amounts of roulette wins, teams records, sports players records, averages, and/or statistics, and/or any statistical and/or historical records regarding any of the herein-described gaming events, etc.)  
     [0404] For example, a user desiring to play a game of slots via the apparatus  100  can request information regarding the previous pay outs on a machine prior to playing on one, a user desiring to play a game of roulette can request information regarding previous winning numbers and the probabilistic information regarding same, a user desiring to bet an a professional or college sporting event can request information regarding player statistics against an opposing team, historical records regarding prior meetings of the teams, player injuries, line-ups for the game, etc., and any other information which a user may find desirable in having prior to placing a bet on a gaming event.  
     [0405] The apparatus  100  can be utilized to allow a user to identify and/or select a gaming event, allow a user to obtain information regarding the gaming event of event players or participants (i.e. teams, individual athletes) and allow a user to place a bet on the gaming event and thereby engage in gaming activity and/or gambling activity via the user communication device  20 .  
     [0406] In the embodiment of FIGS. 8A and 8B, as well as any and/or all of the other embodiments described herein, the central processing computer  10  and the gaming facility computer  30  can be used interchangeably depending upon the situation. For example, in an embodiment wherein a number of gaming facility computers  30  can be accessed by a central processing computer, the user can access a particular gaming facility computer  30  via the central processing computer  10  and/or the user can access the particular gaming computer  30  directly. In another preferred embodiment, the central processing computer  10  and the gaming facility computer  30  can perform the same functionality.  
     [0407]FIGS. 8A and 8B illustrate a preferred embodiment method for utilizing the apparatus  100  of the present invention, in flow diagram form. With reference to FIGS. 8A and 8B, the operation of the apparatus commences at step  800 . At step  801 , the user can access the central processing computer  10  and/or the gaming facility computer  30  via the user communication device. At step  802 , the user can enter information regarding a request for information regarding an available gaming event or gaming events. At step  802 , the user can also request any additional information regarding a gaming event, such as, for example, information regarding past winning information, statistical information and/or historic information, etc, and/or any information regarding the gaming events or the teams or players involved in the gaming event.  
     [0408] For example, a user desiring to bet on a baseball game or games can request information regarding the available games and information regarding the teams and/or players involved, including statistics, historical information regarding prior games or match-ups, etc., and/or any other information. The user can also request statistical and/or historic information regarding casino table games, slot machine games, etc. At step  802 , the users request can be transmitted to the central processing computer  10  and/or the gaming facility computer  30 .  
     [0409] At step  803 , the central processing computer  10  and/or the gaming facility computer  30  can receive and process the user&#39;s request. At step  803 , the central processing computer  10  and/or the gaming facility computer  30  can identify the gaming events which are available via the central processing computer  10  and/or the gaming facility computer  30 . At step  803 , the central processing computer  10  and/or the gaming facility computer  30  can also obtain any of the additional information described herein and/or otherwise regarding the gaming event or gaming events. The additional information, which understood to be any information which can be recorded and and/or stored regarding gaming event, can be retrieved any of the respective databases of the respective central processing computer(s)  10  and/or from any of the respective gaming facility computers  30 .  
     [0410] At step  803 , the central processing computer  10  and/or the gaming facility computer  30  can generate a message including information regarding the identified available gaming events and any of the additional information regarding the particular gaming event or gaming events.  
     [0411] At step  804 , the message is transmitted to the user communication device  20 . At step  805 , the user communication device  20  can receive the message, process the information contained therein and provide the information to the user in any one or more of video information, audio information, and/or text information.  
     [0412] At step  806 , the user can select the gaming event or gaming events on which he or she desires to place a bet. At step  806 , the user can transmit a bet message or betting message regarding any selected gaming event or gaming events. In a preferred embodiment, the user can place any number of bets on any number of gaming events.  
     [0413] The bet message or betting message can include information any one or more of information identifying the gaming event, information regarding the amount of the bet, and/or information regarding a payment identifier which can include any one or more of a electronic monetary instrument, a credit card number, a charge card number, a debit card number, a smart card number, a currency card number, a bank account number, a checking account number, a savings account number, a gaming account number associated with the user and which can be maintained and/or administered by the central processing computer  10  and/or a gaming facility computer,  30 , and/or any other payment information.  
     [0414] At step  807 , the central processing computer  10  and/or the gaming facility computer  30  receive the bet message and/or the betting message, process same and effectuate and/or place the bet for the user. In other preferred embodiment, the central processing computer  10  can administer financial and/or gaming accounts for any user or users, and any counterparty or counterparties to or for any bets on any of the herein-described gaming events. In another preferred embodiments, the money or the equivalent or indicia of same can be placed in escrow at the escrow computer  50  until the gaming event has been concluded. In another preferred embodiment, the central processing computer  10  and/or the gaming facility computer  30  can process the above-described information for all of the bets placed by the user.  
     [0415] At step  808 , the central processing computer  10  and/or the gaming facility computer  30  can, upon the gaming event occurring and/or concluding, can determine the results and identify the winning user or party to the bet or bets. In another preferred embodiment, the central processing computer  10  and/or the gaming facility computer  30  can determine the results and winning parties for all of the bets placed by the user.  
     [0416] At step  809 , the central processing computer  10  and/or the gaming facility computer  30  can perform the settlements for any and/or all of the bets placed by the user. In this regard, the central processing computer  10  and/or the gaming facility computer  30  can effectuate payment of the winnings for each and/or every gaming event on which the user placed a bet, to the winner and/or to the winners financial account and/or gaming account. In another preferred embodiment, the central processing computer  10  and/or the gaming facility computer  30  can generate and transmit a payout instruction message to the escrow computer  50  if such is utilized.  
     [0417] At step  810 , the central processing computer  10  and/or the gaming facility computer  30  can generate a transaction report or gaming report for each bet made by the user and/or by the respective counterparty and store same in the database  10 G. In another preferred embodiment, the central processing computer  10  and/or the gaming facility computer  30  can withhold taxes on winnings, generate  1099  or other income or winnings documentation, loss documentation, tax withholdings, and/or perform any other record keeping and/or reporting activities for or on behalf of the user or counterparty. The central processing computer  10  and/or the gaming facility computer  30  can also, at step  810 , transmit the transaction report or the gaming report to the user communication device  20  and/or to a communication device associated with any other party.  
     [0418] The central processing computer  10  and/or the gaming facility computer  30  can also, at step  810 , generate and transmit tax report messages for the user or the counterparty and transmit same to the appropriate governmental authority, the IRS, and/or state and/or local taxing authority.  
     [0419] At step  811 , the central processing computer  10  and/or the gaming facility computer  30  can perform any other record keeping, record storing, and/or any account updating, regarding any of the user&#39;s accounts, users accounts, counterparty accounts, and/or accounts of counterpartys. Thereafter, the operation of the apparatus  100  will cease at step  812 .  
     [0420] As noted above, a gaming facility computer  30  associated with a gaming facility can be utilized in order to perform any of the above-described functionality described herein as being provided by the central processing computer  10 . In this manner, the user can access a gaming facility computer  30  directly and/or via the central processing computer  10  and the gaming computer  30  can perform any and/or all of the processing routines and/or functionality described herein-above as being performed by the central processing computer  10 .  
     [0421] In another preferred embodiment, a user or users can request to be notified upon a detected or identified availability of a gaming event, a posting of a gaming event, and/or a presence of a gaming event. For example, a user who desires to play a table card game at a remote casino anywhere in the world can be notified of the opening of the table and/or the start of the game for betting. For another example, a user desiring to bet on a prize fighter or boxer can be informed of a next boxing match involving the fighter. As another example, a user desiring to bet on a baseball, football, soccer, basketball and/or other sporting event, can request to be notified when a desired match up is scheduled (i.e. New York Mets vs. New York Yankees game, etc.).  
     [0422] The user can request to be notified of the availability of a gaming event, a scheduled happening of the gaming event, and/or any other information regarding the gaming event or its participants. In another preferred embodiment, the user can also request any of the additional information (i.e. lottery odds of winning, last winning draw, last winning pay out, odds of winning, slot pay outs, frequency of user wins, amount of user wins, frequency of user wins at any table games, amount of user wins at table games, roulette wheel wins by users, amounts of roulette wins, teams records, sports players records, averages, and/or statistics, and/or any statistical and/or historical records regarding any of the herein-described gaming events, information regarding previous winning numbers and the probabilistic information regarding same, player statistics against an opposing team, historical records regarding prior meetings of the teams, player injuries, line-ups for the game, etc., and any other information which a user may find desirable in having prior to placing a bet on a gaming event, etc.) described herein in connection with the description of corresponding to the embodiment of FIGS. 8A and 8B.  
     [0423] The user can access the central processing computer  10  and/or a particular gaming facility computer  30  via the user communication device  20  and transmit a message to the central processing computer  10  and/or a particular gaming facility computer  30 . The message can contain information regarding the identity, type, or kind, of gaming event, for which the user desires to be notified. The message can also request to receive notification of gaming events having certain betting limits (i.e. maximum bets, minimum bets, etc.), notification of gaming events having certain winning odds, notification of gaming events having certain participants or teams involved, notification of gaming events having certain having a certain prize (i.e. lottery games over $25 Million, etc.), and/or notification of gaming events having certain criteria of interest to the user.  
     [0424] The message can also contain a user authorization to the respective central processing computer  10  and/or gaming facility computer  30  to automatically place abet for the user. For example, a user desiring to bet $10.00 on the New York Mets to win against the New York Yankees in a next match-up between the two teams can program the central processing computer  10  and/or the particular gaming facility computer  30  to automatically place the bet for the user. In instances when the user desired to have a bet automatically place by the central processing computer  10  and/or the particular gaming facility computer  30 , the user message can contain a payment identifier such as any of the payment identifiers and/or payment methods described above in connection with the embodiment of FIGS. 8A and 8B.  
     [0425] In another preferred embodiment, the user can also request to be notified if betting odds change regarding a gaming event (i.e. a certain race horse is now paying two to one odds, a handicap or spread for a game has changed (i.e. the NFC team in the NFL Super Bowl formerly favored by three points is now favored by ten points over the AFC team, etc.). Information regarding these types of requests can also be contained in the message transmitted by the user to the central processing computer  10  and/or the particular gaming facility computer  30 .  
     [0426] The user&#39;s message can be received, processed, and/or stored by the respective the central processing computer  10  and/or particular gaming facility computer  30 .  
     [0427]FIGS. 9A and 9B illustrates another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIGS. 9A and 9B, the operation of the apparatus and method of the present invention commences at step  900 . At step  901 , the central processing computer  10  and/or the gaming facility computer  30  can await a posting regarding a gaming event or gaming events. Upon the detection of a posting of a gaming event or gaming events, the central processing computer  10  and/or the gaming facility computer  30  will process the information regarding the posting of the gaming event or gaming events.  
     [0428] In another preferred embodiment, schedules of gaming events can be pre-stored in the respective database of the central processing computer  10  and/or the particular gaming facility computer  30  and the respective central processing computer  10  and/or the particular gaming facility computer  30  can periodically search its own database.  
     [0429] At step  902 , the respective central processing computer  10  and/or the particular gaming facility computer  30  can process the information regarding the posting of the gaming event or gaming events, and/or information stored in its database upon the detection of the posting and/or upon the occurrence of a scheduled review of the database in conjunction with the user&#39;s request. At step  903 , the central processing computer  10  and/or the gaming computer  30  can detect a gaming event or gaming events for which the user has desired to be notified. The central processing computer  10  and/or the gaming facility computer  30  can also search for and detect a change of odds for a gaming event for which the user desired to be notified.  
     [0430] At step  904 , upon detecting a gaming event or gaming events for which the user desires to be notified, the respective central processing computer  10  and/or the gaming facility computer  30  can generate a user notification message and transmit same to the user communication device  20  in real-time and/or otherwise. The user notification message can be transmitted to a respective user communication device  20  as any one or more of a pager message, a beeper message, a telephone call, a pre-recorded telephone message, and instant message, a facsimile message, and/or any e-mail message.  
     [0431] At step  904 , the respective central processing computer  10  and/or the gaming facility computer  30  can also automatically place a user&#39;s bet on a gaming event or gaming events.  
     [0432] The user notification message can contain information regarding the gaming event or gaming events, any additional requested information regarding the gaming event or gaming events (i.e. lottery odds of winning, last winning draw, last winning pay out, odds of winning, slot pay outs, frequency of user wins, amount of user wins, frequency of user wins at any table games, amount of user wins at table games, roulette wheel wins by users, amounts of roulette wins, teams records, sports players records, averages, and/or statistics, and/or any statistical and/or historical records regarding any of the herein-described gaming events, information regarding previous winning numbers and the probabilistic information regarding same, player statistics against an opposing team, historical records regarding prior meetings of the teams, player injuries, line-ups for the game, etc., and any other information which a user may find desirable in having prior to placing a bet on a gaming event, etc.), and, if the user programmed or requested that a bet be place automatically, information regarding the placing of the bet or bets.  
     [0433] At step  905 , the user can receive the user notification message at the user communication device  20  and can review same. At step  906 , the user can decide whether to place a bet and/or place additional bets. If, at step  906 , the user has entered information into the user communication device  20 , the user communication device  20  will transmit a bet message to the respective central processing computer  10  and/or gaming facility computer  30 . The betting message can contain information regarding the gaming event or gaming events being bet on, the amount of the user&#39;s bet or wager, and any payment identifiers as described herein.  
     [0434] Thereafter, the operation of the apparatus  100  will proceed to step  907  and respective central processing computer  10  and/or the gaming computer  30  will process the bet, place the bet, determine the results of the gaming event, make any winning pay out to the user if the user wins or make a pay out to the winning counterparty is the user losses, and/or perform any record keeping and/or reporting, such as, for example, performing the operations similar to, the same as, and/or analogous to the operations described herein as being performed by the central processing computer  10  and/or the gaming facility computer  30  in steps  807  through  811  as described herein in connection with the preferred embodiment of FIGS. 8A and 8B. Thereafter, the operation of the apparatus will cease at step  908 .  
     [0435] In another preferred embodiment, the apparatus  100  and method of the present invention can be utilized to provide notification to an individual account holder of a gaming account or a user of a gaming account that the account has been utilized or is being utilized. In a preferred embodiment of the present invention, or more gaming accounts can be assigned to a user or player.  
     [0436] In one preferred embodiment, a user can be assigned a single account on which the user may engage in a gaming and/or gambling activity. In another preferred embodiment, a user can have multiple accounts assigned to him or her, with each account being utilized for a certain type or kind of account (i.e. lottery account, casino gaming account, race track account, professional sports betting account, etc.  
     [0437] In another preferred embodiment, the apparatus and method of the present invention can be utilized in order to provide a user or other individual gaming account holder with notification of gaming account use. The notification can be provided as information contained in any one or more of a pager message, a beeper message, a telephone call, a pre-recorded telephone message, and instant message, a facsimile message, and/or any e-mail message, which can be transmitted to a respective user communication device  20 , which can be any one or more of the user communication devices  20  described herein.  
     [0438]FIGS. 10A and 10B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention. With reference to FIGS. 10A and 10B, the operation of the apparatus  100  commences at step  1000 . At step  1001 , the central processing computer  10  and/or the gaming facility computer  30 , whichever is being utilized in the particular situation, will await use or attempted use of the gaming account.  
     [0439] Upon detecting a use or attempted use of the gaming account, such as when the gaming account is accessed in order to place a bet and/or engage in other gaming activity, the central processing computer  10  and/or the gaming facility computer  30  can, at step  1002 , identify the gaming account being utilized and generate a notification message containing information regarding the use of the gaming account. At step  1003 , the respective central processing computer  10  and/or the gaming facility computer  30  can transmit the notification message to the user communication device  20  associated with the gaming account and/or to the user communication device  20  associated with the user or individual gaming account holder.  
     [0440] In the preferred embodiment, the notification message can be transmitted to the user communication device  20  in real-time. In another preferred embodiment, the notification message can be transmitted to the user communication device  20  in a non-real-time manner (i.e. e-mail transmission to network computer (not shown) for later transmission to the user).  
     [0441] At step  1004 , the user communication device  20  can receive the notification message. At step  1005 , the information contained in the notification message can be provided to the user. The information provided can include the time of the gaming activity, the type of gaming activity involved, the place of the gaming activity or the place of the gaming facility providing the gaming activity, the gaming facility involved, the game or game of chance involved, the amount of the bet, information regarding the individual making the bet, and/or any other information which may be desired in providing the herein-described notification.  
     [0442] At step  1005 , the user can enter information for allowing and/or authorizing the gaming activity or for disallowing the gaming activity. At step  1005 , the user communication device  20  can generate a user response message containing the information provided by the user. At step  1006 , the user communication device  20  can transmit the user response message to the respective central processing computer  10  and/or gaming facility computer  30 . At step  1007 , the respective central processing computer  10  and/or gaming facility computer  30  can receive the user response message and process the information contained therein.  
     [0443] At step  1008 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the gaming activity is allowed or authorized. If, at step  1008 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the gaming activity is allowed or authorized, the operation of the apparatus  100  will proceed to step  1009  and the respective central processing computer  10  and/or gaming facility computer  30  will allow the gaming activity to proceed and, therefore, continue to process the gaming activity on the gaming account. Thereafter, the operation of the apparatus  100  will cease at step  1010 .  
     [0444] If, at step  1008 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the gaming activity is disallowed, the operation of the apparatus  100  will proceed to step  1011  and the respective central processing computer  10  and/or gaming facility computer  30  will cancel the gaming activity. Thereafter, the operation of the apparatus  100  will cease at step  1012 .  
     [0445] In another preferred embodiment, the apparatus of FIGS. 10A and 10B, and/or the respective central processing computer  10  and/or gaming facility computer  30 , can be programmed to cancel and/or to de-activate the gaming account if a pre-determined number of disallowed gaming activities are determined to have occurred on the account.  
     [0446] In another preferred embodiment, the apparatus  100  of the present invention can be utilized to provide notification to a user or individual gaming account holder regarding a withdrawal made from a gaming account and/or a deposit made to the gaming account. In this manner, the apparatus  100  can provide notification regarding a withdrawal from a gaming account and/or a deposit made into a gaming account.  
     [0447]FIGS. 11A and 11B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention. With reference to FIGS. 11A and 11B, the operation of the apparatus  100  commences at step  1100 . At step  1101 , the central processing computer  10  and/or the gaming facility computer  30 , whichever is being utilized in the particular situation, will await the occurrence of a withdrawal or an attempted withdrawal from a gaming account and/or a deposit or an attempted deposit on the gaming account.  
     [0448] Upon detecting a withdrawal or an attempted withdrawal from a gaming account, such as when a bet is being made on the gaming account, or a deposit or an attempted deposit into the gaming account, such as when a payment is being made into a gaming account, the central processing computer  10  and/or the gaming facility computer  30  can, at step  1102 , can generate a notification message containing information regarding the respective withdrawal, attempted withdrawal, deposit, and/or attempted deposit, regarding the gaming account.  
     [0449] At step  1103 , the respective central processing computer  10  and/or the gaming facility computer  30  can transmit the notification message to the user communication device  20  associated with the gaming account and/or to the user communication device  20  associated with the user or individual gaming account holder. In the preferred embodiment, the notification message can be transmitted to the user communication device  20  in real-time. In another preferred embodiment, the notification message can be transmitted to the user communication device  20  in a non-real-time manner (i.e. e-mail transmission to network computer (not shown) for later transmission to the user).  
     [0450] At step  1104 , the user communication device  20  can receive the notification message. At step  1105 , the information contained in the notification message can be provided to the user. The information provided can include the time of the withdrawal or withdrawal attempt, the time of the deposit or deposit attempt, the type of gaming activity corresponding to the withdrawal, attempted withdrawal, deposit, or attempted deposit, the place of the gaming activity or the place of the gaming facility providing the gaming activity corresponding with the withdrawal, attempted withdrawal, deposit, or attempted deposit, the gaming facility involved, the game or game of chance involved, the amount of the bet involved, information regarding the individual making the withdrawal, attempted withdrawal, deposit, or attempted deposit, and/or any other information which may be desired in providing the herein-described notification.  
     [0451] At step  1105 , the user can enter information for allowing and/or authorizing the withdrawal, attempted withdrawal, deposit, or attempted deposit. At step  1105 , the user communication device  20  can generate a user response message containing the information provided by the user. At step  1106 , the user communication device  20  can transmit the user response message to the respective central processing computer  10  and/or gaming facility computer  30 . At step  1107 , the respective central processing computer  10  and/or gaming facility computer  30  can receive the user response message and process the information contained therein.  
     [0452] At step  1108 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the withdrawal, attempted withdrawal, deposit, or attempted deposit, is allowed or authorized.  
     [0453] If, at step  1108 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the withdrawal, attempted withdrawal, deposit, or attempted deposit, is allowed or authorized, the operation of the apparatus  100  will proceed to step  1109  and the respective central processing computer  10  and/or gaming facility computer  30  will allow the gaming activity to proceed and, therefore, continue to process the withdrawal, attempted withdrawal, deposit, or attempted deposit, on the gaming account. Thereafter, the operation of the apparatus  100  will cease at step  1110 .  
     [0454] If, at step  1108 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the withdrawal, attempted withdrawal, deposit, or attempted deposit, is disallowed, the operation of the apparatus  100  will proceed to step  1111  and the respective central processing computer  10  and/or gaming facility computer  30  will cancel the withdrawal, attempted withdrawal, deposit, or attempted deposit. Thereafter, the operation of the apparatus  100  will cease at step  1112 .  
     [0455] In another preferred embodiment, the apparatus of FIGS. 11A and 11B, and/or the respective central processing computer  10  and/or gaming facility computer  30 , can be programmed to cancel and/or to de-activate the gaming account if a pre-determined number of disallowed withdrawals, attempted withdrawals, deposits, or attempted deposits, are determined to have occurred on the account.  
     [0456] In another preferred embodiment, the apparatus  100  and method of the present invention can be utilized in order to facilitate gaming activity and/or gambling activity from a remote location. The apparatus and method of the present invention can also be utilized in order to facilitate gaming activity and/or gambling activity at a gaming venue remote from the user&#39;s or individual&#39;s physical location. The apparatus and method of the present invention can also be utilized in order to facilitate a user or individual participating in live gaming activity and/or gambling activity via a user communication device.  
     [0457] For example, and for purposes of an illustrative example, a user desiring to bet at a casino gaming table can access a camera or video device located at the table, obtain, at the communication device, audio and video information at the table, including being able to interact with dealers or betting house officials and/or other betters at the table, place bets, and engage in gaming activity and/or gambling activity at the table live and/or in real-time via the user communication device and any one or more of video equipment, audio equipment, and/or video conferencing equipment. In this manner, the apparatus and method of the present invention can be utilized in order to allow a user or individual to engage in gaming activity, and/or place bets, at one or at a plurality of gaming establishments remotely via a user communication device.  
     [0458] For example, an individual can gain remote access to, and bet at, a table at a Las Vegas, Nev. casino and, at any time, access, and bet at, a table in an Atlantic City, N.J. casino, access and place bets at Yonkers Raceway, and/or engage in remote gaming activities and/or gambling activities via a user communication device and/or the apparatus of the present invention.  
     [0459] The apparatus and method of the present invention can also be utilized in order to allow a remote player(s) to place virtual betting pieces, chips, and/or currency, at a respective gaming table, gaming machine, slot machine, etc. In this embodiment, a display screen can be located at or adjacent to a respective gaming table, gaming machine, slot machine, etc. A remote player(s) can also utilize a display screen and one or more user input devices or user interactive devices in order to view an betting inventory of virtual betting pieces, chips, and/or currency which the player can virtually “move” to the respective gaming table, gaming machine, slot machine, etc., in order to place a bet at the respective gaming table, gaming machine, slot machine, etc.  
     [0460] The user&#39;s display screen, which can be a component of, or associated with, the user&#39;s user communication device or computer, can display the user&#39;s inventory virtual betting pieces, chips, and/or currency, show the movement of the user&#39;s virtual betting pieces, chips, and/or currency, to the respective gaming table, gaming machine, slot machine, etc., and show any virtual betting pieces, chips, and/or currency, of the house or of any other remote players.  
     [0461] The player can utilize an input device or an interactive device in order to “drag” virtual betting pieces, chips, and/or currency, from the user&#39;s inventory to the respective gaming table, gaming machine, slot machine, etc. A user&#39;s winnings can also be transferred to the user&#39;s inventory of virtual betting pieces, chips, and/or currency. The apparatus and method of the present invention can also be utilized so as to allow a player or players to engage in gaming activity and/or gambling activity at remotely accessed gaming venues, tables, machines, etc.  
     [0462]FIG. 12 illustrates another preferred embodiment method for utilizing the apparatus and method of the present invention. With reference to FIG. 12, the operation of the apparatus  100  commences at step  1200 . At step  1201 , the user can access a gaming venue via the user communication device  20 . In a preferred embodiment, the user can access the gaming venue via the central processing computer  10  and/or via the gaming facility computer  30 . For example a user desiring to play a table game (i.e. poker, Black jack, roulette wheel, etc.) at a casino in Las Vegas, Nev. can access a gaming facility computer  30  associated with, and/or linked with, the respective gaming table or gaming venue or a separate gaming facility computer  30  associated with the particular gaming table or gaming venue.  
     [0463] In another example, a user desiring to bet on a sporting event can access the gaming facility computer  30  servicing the respective sporting event. At step  1202 , the user can select the gaming activity or gaming event he or she desired to bet on. At step  1203 , the user can transmit a control signal for allowing the user to activate any one or more of a video recording equipment  70 , audio recording equipment  80 , and/or video conferencing equipment  90 , at the gaming table or gaming venue and/or otherwise establish a live video link, a live audio link, and/or a live video conferencing link, between himself or herself and the house an other players at the gaming table or gaming venue. In this manner, a user can access the gaming table and/or gaming venue and interact with the parties thereat in order to remotely engage in gaming activity at the gaming table and/or gaming venue.  
     [0464] For example, a user remote from the gaming table or gaming venue can establish an electronic or virtual presence at the gaming table or gaming venue in order to engage in gaming activity at the gaming table and/or gaming venue.  
     [0465] At step  1203 , the user can bet and/or otherwise participate and/or view the gaming activity at the gaming table or gaming venue. For example, the user can place a bet and view the game being played via the user communication device  20 . In another preferred embodiment, the user can place bets using virtual chips which chips can be displayed to other at the gaming table or gaming venue via a gaming facility computer  30  located at the gaming table or gaming venue.  
     [0466] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to allow a remote player(s) to place virtual betting pieces, chips, and/or currency, at a respective gaming table, gaming machine, slot machine, etc. In this embodiment, a display screen associated with the gaming facility computer  30  can be located at or adjacent to a respective gaming table, gaming machine, slot machine, etc. A user or other remote player(s) can also utilize the display screen and one or more user input devices or user interactive devices of the user communication device  20  in order to view a betting inventory of virtual betting pieces, chips, and/or currency which the player can virtually “move” to the respective gaming table, gaming machine, slot machine, etc., in order to place a bet at the respective gaming table, gaming machine, slot machine, etc.  
     [0467] The user&#39;s display screen, which, in the preferred embodiment can be a component of, or can be associated with, the user&#39;s user communication device  20 , can display the user&#39;s inventory of virtual betting pieces, chips, and/or currency, show the movement of the user&#39;s virtual betting pieces, chips, and/or currency, to the respective gaming table, gaming machine, or into the slot machine, etc., and show any virtual betting pieces, chips, and/or currency, of the house or of any other remote players.  
     [0468] The user can utilize an input device or an interactive device of the user communication device  20  in order to “drag” virtual betting pieces, chips, and/or currency, from the user&#39;s inventory to the respective gaming table, gaming machine, slot machine, etc. A user&#39;s winnings can also be transferred to the user&#39;s inventory of virtual betting pieces, chips, and/or currency. In this manner, the apparatus  100  and method of the present invention can be utilized in order to allow a user to engage in gaming activity and/or gambling activity at remotely accessed gaming venues, tables, machines, etc.  
     [0469] The house dealer or employee supervising or conducting the gaming activity can interact with the user via the gaming facility computer  30 , the video equipment  70 , the audio equipment, and/or the video conferencing equipment  90 , all of which can be located at or in the vicinity of the gaming table and/or the gaming venue.  
     [0470] In a preferred embodiment the respective video equipment  70 , the audio equipment, and/or the video conferencing equipment  90 , can include multiple units or components of each which can, for example be located above the table, at various locations on or around the table in order to allow the user to view obtain a as complete a viewing as possible of the gaming table and as many players as possible. The respective video equipment  70 , the audio equipment, and/or the video conferencing equipment  90 , in the preferred embodiment, can be located so as to allow the user to interact with the house dealer or gaming supervisor at the gaming table or gaming venue and any other players situated about the gaming table or gaming venue. For example, a user can be able to view the game table from any angle, communicate in real-time with others at the gaming table or gaming venue and, in effect, place bets and/or observe the gaming activity as if he or she were physically at the gaming table or gaming venue.  
     [0471] In a preferred embodiment, the user can obtain split screen and/or multiple screen views from any one or more of the multiple cameras at the gaming table or gaming venue, if desired. In a preferred embodiment, at step  1204 , the gaming facility computer  30  can process the user&#39;s bet or bets in any appropriate manner and/or can perform any and/or all of the processing routines and/or functionality as described herein in steps  807 - 811  which are described herein in conjunction with the embodiment of FIGS. 8A and 8B. Thereafter, upon the user ceasing play at the gaming table or gaming venue, the operation of the of the apparatus  100  will cease at step  1205 .  
     [0472] In the above-described manner, the apparatus  100  and method of the present invention can be utilized in order to allow a user to engage in gaming activity and/or observe and/or participate in gaming activity and/or a gaming event from a remote location.  
     [0473] In another preferred embodiment, the apparatus  100  and method of the present invention can be utilized in order to allow a user to limit and/or restrict use of his or her gaming account or gaming accounts. The user and/or individual gaming account holder can pre-limit and/or pre-restrict gaming account activity and/or gaming account use by accessing the central processing computer  10  and/or a gaming facility computer  30  and transmitting information regarding the limitation(s) and/or restriction(s) to the respective central processing computer  10  and/or a gaming facility computer  30 .  
     [0474] The respective central processing computer  10  and/or a gaming facility computer  30  can automatically receive and automatically store the limitation(s) and/or restriction(s) in its respective database. Thereafter, the respective central processing computer  10  and/or a gaming facility computer  30  can process gaming activity on the gaming account in conjunction with the limitation(s) and/or restriction(s) and can determine whether the gaming activity is allowed and disallowed.  
     [0475] In a preferred embodiment, the limitation(s) or restriction(s) can be positive limitation(s) or restriction(s), defined herein to mean a limitation or restriction which if met allows the gaming activity on the gaming account (i.e. gaming activity only for a certain game, a time period during which gaming activity can be occur, a gaming facility where gaming activities are allowed, etc.) and/or the limitation(s) and/or restriction(s) can be negative limitation(s) or restriction(s), meaning a limitation(s) or restriction(s) which if met disallows the gaming activity (i.e. a time period during which gaming activity is disallowed, a gaming activity which is not allowed, a gaming facility at which a user is not allowed to engage in gaming activities, etc.).  
     [0476] In the preferred embodiment, the limitation(s) and/or restriction(s) can, for example, include a name of a user of a gaming account, a name of an authorized user of a gaming account, a name of a user or names of users allowed to use a gaming account, gaming activities which are allowed on a gaming account, gaming activities which are not allowed on a gaming account, betting limits on a gaming account, account spending limits on a gaming account, daily betting amount limits on a gaming account, weekly betting amount limits on a gaming account, monthly betting amount limits on a gaming account, yearly betting amount limits on a gaming account, allowed gaming venues, disallowed gaming venues, allowed betting time period(s), disallowed betting time period(s), allowed games which can be bet on, disallowed games which can be bet on, allowed team(s) and/or player(s) which can be bet on, allowed betting amount, disallowed betting amounts, allowed betting venues, locations or places, disallowed betting venues, locations, or places, stop loss limits, allowed betting subject matter, disallowed betting subject matter, etc., and/or any other limitation or restriction described herein and/or which could otherwise be envisioned for any of the gaming or gambling activities with which the apparatus and method of the present invention can be utilized.  
     [0477]FIG. 13 illustrates another preferred embodiment method for utilizing the apparatus  100  and method of the present invention. With reference to FIG. 13, the operation of the apparatus  100  commences at step  1300 . At step  1301 , the respective central processing computer  10  and/or the gaming facility computer  30  can await an occurrence of gaming activity and/or a bet being made on and/or in conjunction with the gaming account.  
     [0478] Upon detecting the occurrence of gaming activity and/or a bet on a gaming account, the operation of the respective central processing computer  10  and/or gaming facility computer  30  can proceed to step  1302  and process the information regarding the gaming activity and/or bet in conjunction with the limitation(s) and/or restriction(s) information previously provided by the user and/or which may have been previously dictated by the gaming account and/or gaming facility and/or a gaming administrator. At step  1302 , the respective central processing computer  10  and/or gaming facility computer  30  can perform processing routines in order to determine whether the gaming activity and/or bet is allowed or disallowed.  
     [0479] At step  1303 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the gaming activity and/or bet is allowed. If, at step  1303 , it is determined that the gaming activity and/or bet is allowed, then the operation of the respective central processing computer  10  and/or gaming facility computer  30  will proceed to step  1304  and the respective central processing computer  10  and/or gaming facility computer  30  will allow the gaming activity and/or bet, process the gaming activity and/or bet, and perform any and/or all of the processing routines described herein as being capable of being performed by the respective central processing computer  10  and/or gaming facility computer  30  at step  807  through  811 , described in connection with the embodiment of FIGS. 8A and 8B.  
     [0480] Thereafter, at step  1305 , the respective central processing computer  10  and/or gaming facility computer  30  can generate a gaming activity notification message, which can contain information regarding the allowed gaming activity and/or bet, and transmit same to the user communication device  20 . At step  1305 , the gaming activity notification message can also be transmitted from the respective central processing computer  10  and/or gaming facility computer  30  to the user communication device  20  as any one or more of an electronic transmission, a communication transmission, a beeper, message, a pager message, an instant message, an electronic mail message, a telephone message, a telephone call, a facsimile transmission, and/or any other communication transmission.  
     [0481] The user communication device  20  can receive the gaming activity notification massage and provide any of the information contained therein to the user. Thereafter, the operation of the apparatus will cease at step  1306 .  
     [0482] If, at step  1304 , it is determined that the gaming activity and/or bet is not allowed, then the operation of the respective central processing computer  10  and/or gaming facility computer  30  will proceed to step  1307  and the respective central processing computer  10  and/or gaming facility computer  30  will cancel and/or disallow the gaming activity and/or bet. Thereafter, at step  1308 , the respective central processing computer  10  and/or gaming facility computer  30  can generate a gaming activity notification message, which can contain information regarding the disallowed gaming activity and/or bet, and transmit same to the user communication device  20 .  
     [0483] At step  1308 , the gaming activity notification message can also be transmitted from the respective central processing computer  10  and/or gaming facility computer  30  to the user communication device  20  as any one or more of an electronic transmission, a communication transmission, a beeper, message, a pager message, an instant message, an electronic mail message, a telephone message, a telephone call, a facsimile transmission, and/or any other communication transmission. The user communication device  20  can receive the gaming activity notification massage and provide any of the information contained therein to the user. Thereafter, the operation of the apparatus will cease at step  1309 .  
     [0484] In the above-described manner, the apparatus  100  of the present invention can be utilized to control and/or monitor use of a gaming account.  
     [0485] In another preferred embodiment, the apparatus  100  and method of the present invention can also perform financial account administration for a user. In a preferred embodiment, the apparatus  100  can provide a system for allowing a user to establish gaming accounts and engage in gaming activities via the gaming accounts. The user can establish financial gaming accounts or gaming fund accounts from which to withdraw funds for gaming activities and/or bets. A user&#39;s winnings can also be deposited into these accounts.  
     [0486] The apparatus  100  and method of the present invention can be utilized to administer, provide account and/or record keeping for, withhold and/or pay income taxes on winnings, reconcile winnings and losses for a user, withdraw and pay gaming fees and/or dues and/or other charges incurred in connection with utilizing the gaming account(s) described herein and/or the apparatus  100  and method of the present invention (i.e. gaming fees, gaming activity fees, account dues, account servicing fees, etc.). The apparatus  100  can also provide gaming account statements, gaming account activity statements, reports to third parties, etc. regarding any gaming account(s).  
     [0487] The apparatus  100  and method of the present invention, and/or any of the user communication devices  20 , central processing computers  10 , server computers, and/or any computer or computer system associated with any of the entities described herein as being able to utilize or participate in the use or operation of the apparatus  100  and method of the present invention, can be programmed and/or be can be capable of maintaining a financial gaming account or accounts for any of the users or players described herein, perform credit and/or debit operations regarding financial gaming accounts, perform account record-keeping, perform tax withholding with regards to the financial gaming accounts, report taxable events to the appropriate taxing authorities, maintain periodic records or winnings and losses for the financial gaming accounts, provide periodic transaction summaries and/or gaming account statements for the financial gaming accounts, including the transactions or activities engaged in and any winnings or losses resulting therefrom.  
     [0488] The apparatus  100  and method of the present invention, or any of the computers, computer systems, and/or servers, can be programmed to automatically pay withholding taxes on gaming winnings for a user or player, and can automatically perform any of the herein-described functions.  
     [0489] In a preferred embodiment, a user can select the gaming account services he or she desired to be provided with by the apparatus  100  of the present invention. In a preferred embodiment, the user can access the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  and transmit information regarding the service and/or services the user desires to have performed. For example the user can request that the respective central processing computer  10  and/or gaming facility computer  30  perform account administration for the account, reconcile winnings versus losses on the gaming account for any time period, withhold income taxes, electronically pay or transfers income tax payments and/or estimated payments to a computer system associated with a governmental taxing authority and/or to a governmental entity computer  60 .  
     [0490] The respective central processing computer  10  and/or gaming facility computer  30  can receive, process and store, the information regarding the user&#39;s servicing request(s). Thereafter, the respective central processing computer  10  and/or gaming facility computer  30  can perform the desired functions and/or services for the gaming account to gaming accounts regularly, periodically and/or any time period prescribed by any applicable law or laws and/or as prescribed user.  
     [0491]FIG. 14 illustrates another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIG. 14, the operation of the apparatus  100  and method the present invention commences at step  1400 . At step  1401 , the respective central processing computer  10  and/or gaming facility computer  30  will await and/or detect the occurrences of an event on a gaming account. The event can be any one or more of a withdrawal from a gaming account to place a bet, a deposit of winnings into an account, a payment of taxes to a taxing authority, a payment of gaming fees, gaming activity fees, gaming account dues and/or any other payment requiring a withdrawal from the account, a notification that a payment of taxes, gaming fees, gaming activity fees, gaming account dues, is due, and/or the elapsing of a prescribed time period for reporting gaming account activity, reconciling winnings and/or losses, and/or paying taxes.  
     [0492] Upon the occurrence of the event and/or the elapsing of a predetermined time interval, the operation of the respective central processing computer  10  and/or gaming facility computer  30  will proceed to step  1402  and the respective central processing computer  10  and/or gaming facility computer  30  will performed the requested gaming account service. At the step  1402 , the respective central processing computer  10  and/or gaming facility computer  30  can perform any one or more of perform credit and/or debit operations regarding the gaming account(s), perform account record-keeping, perform tax withholding with regards to the gaming account(s), report taxable events to the appropriate taxing authority or authorities, maintain periodic records or winnings and losses for the gaming account(s), provide periodic transaction summaries and/or gaming account statements for the gaming account(s), automatically pay withholding taxes on gaming winnings for a user or player, perform account administration for the gaming account, reconcile winnings versus losses on the gaming account for any time period, withhold income taxes, electronically pay or transfer income tax payments and/or estimated payments to a computer system associated with a governmental taxing authority and/or to a governmental entity computer  60  electronically pay gaming fees, gaming activity fees, gaming account dues and/or any other payment requiring a withdrawal from the gaming account, and/or generate and/or transmits gaming account activity statements to a user communication device  20  and/or to any appropriate authority or gaming authority.  
     [0493] At step  1403 , the respective central processing computer  10  and/or gaming facility computer  30  can then generate a service report message containing information regarding the service or services performed by the respective central processing computer  10  and/or gaming facility computer  30  and transmit same to the user communication device  20 . At step  1404 , the user communication device  20  can receive the service report message and provide the information contained therein the user. Thereafter, the operation of the apparatus  100  will cease at step  1405 .  
     [0494] In another preferred embodiment, the apparatus  100  and method of the present invention can be utilized in order to provide information for and/or to promote or advertise gaming activities, gaming events, gambling activities, and/or gambling events (hereinafter referred to as “gaming activities and/or gaming events”). Information regarding gaming activities and/or gaming events can be stored at a respective central processing computer  10  and/or gaming facility computer  30 .  
     [0495] Information regarding a gaming activity and/or gaming event (i.e. a game(s) at a casino or betting hall, a horse race, a sporting event, etc.) can be entered by an individual or enterprise who or which may access the central processing computer  10  and/or gaming facility computer  30  and transmit the pertinent information and/or enter the pertinent information regarding the gaming activity and/or gaming event into the respective central processing computer  10  and/or gaming facility computer  30  so as to thereby “post” the information at the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0496] In another preferred embodiment, the information which can be posted regarding the gaming activity and/or gaming event can also include information regarding changed odds of winning, a changed score spread, an increased lottery prize or jackpot, a changed and/or updated historical and/or statistical information, and/or new and/or updated information regarding the gaming activity and/or gaming event, new and/or updated information and/or statistics regarding any of the gaming activities, gaming events, gambling activities, and/or gambling events, and/or any of the teams, players, athletes, participants, animals (i.e. horses in horse racing, etc.), which may be involved in or be the subject of any of the gaming activities, gaming events, gambling activities, and/or gambling events.  
     [0497] New and/or updated information can also include, but not be limited, to a casino&#39;s win percentage for a slot machine or for a table game, the average winnings of the house, users&#39; or players&#39; winning percentages, users&#39; or players&#39; losing percentages, average losses by users or players, a professional boxer&#39;s won/loss record, a sports team&#39;s won/loss record and/or historic record against another team, a respective athlete&#39;s batting average, rushing average, scoring average, etc., and past statistics or performance against a specific opponent, a race horse&#39;s racing won/loss record and/or statistics in a given setting, and/or any other information which a user or player may be interested in obtaining in order to make a more informed bet.  
     [0498] For example, although a user who may already be aware of a gaming activity and/or gaming event, but find odds of winning not satisfactory enough to place a bet on the gaming activity and/or gaming event, may find the gaming activity and/or gaming event of more interest if the odds of winning change and/or become more favorable. In this manner, the apparatus  100  and method of the present invention can alert the user of, and/or provide the user with, any new or updated information regarding a gaming activity and/or gaming event.  
     [0499] The information regarding the gaming activity and/or gaming event can then be stored in a respective database of a respective central processing computer  10  and/or gaming facility computer  30 . The stored information can then be retrieved via a user search and/or user searching activity and/or by automatic message generation by the respective central processing computer  10  and/or gaming facility computer  30 . For example, a user may access the respective central processing computer  10  and/or gaming facility computer  30  and perform a search for a particular gaming activity and/or gaming event and/or search for newly posted gaming activities or gaming events.  
     [0500] A user can also pre-request to be automatically notified, or receive an alert regarding a posting or postings of new gaming activities and/or gaming events and/or new and/or updated information regarding the gaming activity and/or gaming event.  
     [0501] The apparatus and method of the present invention can be programmed to notify a user or player regarding the posting of information regarding a new gaming activity or event, and/or of new or changed information regarding the gaming activity and/or gaming event. A notification message can be provided in the form of information provided in real-time and/or otherwise, as any one or more of an electronic transmission, a communication transmission, a beeper, message, a pager message, an instant message, an electronic mail message, a telephone message, a telephone call, a facsimile transmission, and/or any other communication transmission to any of the user communication devices described herein as being utilized in conjunction with the present invention. The apparatus  100  and method of the present invention can provide wireless alerts to the user or player in order to provide the herein-described notification operations.  
     [0502] In a preferred embodiment, the user, by utilizing the user communication device  20 , can program a respective central processing computer  10  and/or gaming facility computer  30  to provide him or her with notification of any new gaming activities or gaming events and/or new and/or updated information regarding gaming activities and/or gaming events about which the user desires to be notified.  
     [0503] In another preferred embodiment, the user may, by utilizing the user communication device  20 , can access a respective central processing computer  10  and/or gaming facility computer  30  and search for information regarding a gaming activity, gaming activities, a gaming event, gaming events, and/or new and/or updated information regarding same.  
     [0504]FIG. 15 illustrates another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIG. 15, the operation of the apparatus  100  and method the present invention commences at step  1500 . At step  1501 , the respective central processing computer  10  and/or gaming facility computer  30  can await an occurrence giving rise to a notification event.  
     [0505] In a preferred embodiment, the occurrence giving rise to a notification event can be a posting of information regarding a new gaming activity, gaming activities, a gaming event, and/or gaming events, and/or any of the herein-described and/or other new and/or updated information regarding a gaming activity, gaming activities, a gaming event, and/or gaming events. In another preferred embodiment, the occurrence giving rise to a notification event can also be a search request or query by a user for information regarding newly posted information regarding a new gaming activity, gaming activities, a gaming event, and/or gaming events, and/or any of the herein-described and/or other new and/or updated information regarding a gaming activity, gaming activities, a gaming event, and/or gaming events.  
     [0506] Upon the detection by the respective central processing computer  10  and/or gaming facility computer  30 , of the occurrence giving rise to the notification event, the operation of the respective central processing computer  10  and/or gaming facility computer  30 , will proceed to step  1502  and the respective central processing computer  10  and/or gaming facility computer  30 , will process the necessary information in conjunction with any one or more of a user&#39;s previously stored request to receive the pertinent information, the respective central processing computer&#39;s  10  and/or gaming facility computer&#39;s  30  practice and/or agreement to provide such notification of the information, and/or the user&#39;s search request.  
     [0507] At step  1502 , the respective central processing computer  10  and/or gaming facility computer  30  will generate a notification message containing any information regarding the new gaming activity, gaming activities, a gaming event, and/or gaming events, and/or any of the herein-described and/or other new and/or updated information regarding a gaming activity, gaming activities, a gaming event, and/or gaming events.  
     [0508] At step  1503 , the respective central processing computer  10  and/or gaming facility computer  30  will transmit the notification message to the user communication device in real-time and/or in any other appropriate manner. In the preferred embodiment, the notification message can be provided in the form of an electronic transmission, a communication transmission, a beeper, message, a pager message, an instant message, an electronic mail message, a telephone message, a telephone call, a facsimile transmission, and/or any other communication transmission to any of the user communication devices  20  described herein as being utilized in conjunction with the present invention.  
     [0509] The apparatus  100  and method of the present invention can provide wireless alerts to the user or player in order to provide the herein-described notification operations. The notification message and/or the wireless alerts containing same can be provided in real-time, via e-mail, via instant messaging and/or otherwise.  
     [0510] At step  1504 , the user communication device  20  can receive the notification message and provide the information contained therein the user. Thereafter, the user can utilize the information and/or disregard same. At step  1504 , the user can then decide whether or not he or she wants to act on the information such as by placing a bet regarding the gaming activity and/or gaming event. Thereafter, the operation of the apparatus  100  will cease at step  1505 .  
     [0511] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to facilitate gaming or gambling on gaming derivatives and/or gambling derivatives. For example, a gaming derivative and/or a gambling derivative can be a bet or a game of chance entered into with a counterparty which can, among other things, include, for example, a bet that a casino or betting house may win a certain amount of money during a pre-specified time period, a bet that a casino or betting house may make a certain level or amount of payoffs to winning users or players during a pre-specified time period, a bet that a casino or betting house may win a certain amount to money from a particular game, games, gaming activity, gaming activities, etc., during a pre-specified time period, a bet that a casino or betting house may win more bets than it losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., a bet that players and/or users, as a whole or group, may win more bets than the group losses during a pre-specified time period and/or in a particular game, games, gaming activity, gaming activities, etc., and/or a bet regarding the percentage of time(s) that spreads are met in outcomes of gaming activities and/or gaming events.  
     [0512] The present invention can be utilized in order to allow or facilitate the making of bets and/or the provide for gaming activities and/or gambling activities involving any of the above-described and/or any other derivative bets which can be made on any and/or all facets of a gaming environment and/or a gambling environment.  
     [0513]FIGS. 16A and 16B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIGS. 16A and 16B, the operation of the apparatus  100  and method the present invention commences at step  1600 . At step  1601 , the user can access the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device and enter and transit a request for information regarding available gaming derivatives and/or gambling derivatives.  
     [0514] At step  1602 , the respective central processing computer  10  and/or gaming facility computer  30  can receive the user&#39;s request and process same. At step  1602 , the respective central processing computer  10  and/or gaming facility computer  30  can generate a gaming derivative and/or gambling derivative message containing information regarding the respective gaming derivatives and/or gambling derivatives, the type or kind of each gaming derivative and/or gambling derivative, the odds of winning corresponding the each gaming derivative and/or gambling derivative, and/or the price or cost of each gaming derivative and/or gambling derivative.  
     [0515] In another preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can automatically select, identify, and/or recommend, a gaming derivative or derivatives and/or a gambling derivative or derivatives which may be suitable for the user, and generate a gaming derivative and/or gambling derivative message containing information regarding the selected, identified, and/or recommended gaming derivative(s) and/or gambling derivative(s).  
     [0516] At step  1603 , the respective central processing computer  10  and/or gaming facility computer  30  can transmit the gaming derivative and/or gambling derivative message to the user communication device  20 . At step  1604 , the user communication device  20  can receive the gaming derivative and/or gambling derivative message and the information contained therein can be provided to the user. Thereafter, the user can decide whether or not to purchase the gambling derivative.  
     [0517] At step  1605 , the user communication device  20  can determine if the user has decided to purchase one or more of gaming derivative and/or gambling derivative. If, at step  1605 , it is determined that the user has decided to not purchase a gaming derivative and/or gambling derivative, the operation of the apparatus  100  will cease at step  1606 .  
     [0518] If, however, at step  1605 , it is determined that the user has decided to purchase a gaming derivative and/or gambling derivative, the operation of the apparatus  100  will proceed to step  1607  and a derivative purchase message can be transmitted to the respective central processing computer  10  and/or gaming facility computer  30 . At step  1608 , the respective central processing computer  10  and/or gaming facility computer  30  can receive and process the derivative purchase message.  
     [0519] At step  1608 , the respective central processing computer  10  and/or gaming facility computer  30  can purchase the gaming derivative(s) and/or gambling derivative(s) for the user and/or for the user&#39;s gaming account. At step  1608 , the respective central processing computer  10  and/or gaming facility computer  30  can update the user&#39;s gaming account to reflect the derivative(s) purchase and/or effectuate payment for the derivative(s) by deducting the purchase price from the user&#39;s gaming account. Thereafter, at step  1609 , the respective central processing computer  10  and/or gaming facility computer  30  can service the user&#39;s derivative purchase as a bet.  
     [0520] At step  1609 , the respective central processing computer  10  and/or gaming facility computer  30  can determine the outcome of the bet or gaming activity represented by the gaming or gambling derivative and determine the winner of the bet. At step  1610 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the user won the bet or gaming activity represented by the gaming or gambling derivative. If, at step  1610 , it is determined that the user won the bet or gaming activity represented by the gaming or gambling derivative, the respective central processing computer  10  and/or gaming facility computer  30  will, at step  1611 , effectuate payment to the user&#39;s gaming account and provide notification to the user, via any of the herein-described notification methods or means, so as to notify the user to that effect. Thereafter, the operation of the apparatus  100  will cease at step  1612 .  
     [0521] If, however, at step  1610 , it is determined that the user lost the bet or gaming activity represented by the gaming or gambling derivative, the respective central processing computer  10  and/or gaming facility computer  30  can, at step  1613 , provide notification to the user, via any of the herein-described notification methods or means, so as to notify the user to that effect. Thereafter, the operation of the apparatus  100  will cease at step  1614 .  
     [0522] In another preferred embodiment, the apparatus  100  and method of the present invention can be utilized in order to provide, and/or to allow a user or player to purchase, a gaming loss insurance policy or coverage and/or a gambling loss insurance policy or coverage which can provide insurance coverage for gaming losses and/or gambling losses. In this manner, a user can purchase a gaming loss insurance policy and/or a gambling loss insurance policy which can be underwritten by a gaming facility, an insurance provider, and/or any other third party underwriter.  
     [0523] In another preferred embodiment, the apparatus  100  and method of the present invention can facilitate the sale of gaming loss insurance policies and/or gambling loss insurance policies. The apparatus  100  and/or method of the present invention can facilitate the sale of a gaming loss insurance policy or coverage and/or a gambling loss insurance policy or coverage and/or can automatically process claims relating to and/or made pursuant to such gaming and/or gambling loss insurance policies and/or coverage. In this manner, a user can obtain insurance in order to mitigate any gaming losses or gambling losses which he or she may sustain.  
     [0524]FIGS. 17A and 17B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIGS. 17A and 17B, the operation of the apparatus  100  and method the present invention commences at step  1700 . At step  1701 , the user can access the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device and enter and transit a request for information regarding an available gaming loss insurance policy or policies and/or a gambling loss insurance policy or policies.  
     [0525] In another preferred embodiment, the a similar request can accompany and/or be transmitted with a bet being made by the user. At step  1702 , the respective central processing computer  10  and/or gaming facility computer  30  can receive the user&#39;s request and process same. At step  1702 , the respective central processing computer  10  and/or gaming facility computer  30  can generate a gaming loss insurance message and/or a gambling loss insurance message containing information regarding an available gaming loss insurance policy or policies and/or a gambling loss insurance policy or policies, the type or kind of each gaming loss insurance policy or policies and/or gambling loss insurance policy or policies, a deductible relating to each of the gaming loss insurance policy or policies and/or gambling loss insurance policy or policies, and/or the price or cost of each gaming loss insurance policy or policies and/or gambling loss insurance policy or policies.  
     [0526] In another preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can automatically select, identify, and/or recommend, a gaming loss insurance policy or policies and/or a gambling loss insurance policy or policies which may be suitable for the user, and generate a gaming loss insurance message and/or gambling loss insurance message containing information regarding the selected, identified, and/or recommended policy or policies.  
     [0527] At step  1703 , the respective central processing computer  10  and/or gaming facility computer  30  can transmit the gaming loss insurance message and/or gambling loss insurance message to the user communication device  20 . At step  1704 , the user communication device  20  can receive the gaming loss insurance message and/or gambling loss insurance message and the information contained therein can be provided to the user. Thereafter, the user can decide whether or not to purchase the gaming loss insurance policy and/or gambling loss insurance policy.  
     [0528] At step  1705 , the user communication device  20  can determine if the user has decided to purchase one or more of gaming loss insurance policy or policies and/or gambling loss insurance policy or policies. If, at step  1705 , it is determined that the user has decided to not purchase a gaming loss insurance policy or policies and/or gambling loss insurance policy or policies, the operation of the apparatus  100  will cease at step  1706 .  
     [0529] If, however, at step  1705 , it is determined that the user has decided to purchase a gaming loss insurance policy or policies and/or gambling loss insurance policy or policies, the operation of the apparatus  100  will proceed to step  1707  and a gaming loss insurance policy message and/or gambling loss insurance policy purchase message can be transmitted to the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0530] At step  1708 , the respective central processing computer  10  and/or gaming facility computer  30  can receive and process the gaming loss insurance policy message and/or gambling loss insurance policy purchase message. At step  1708 , the respective central processing computer  10  and/or gaming facility computer  30  can purchase the gaming loss insurance policy or policies and/or gambling loss insurance policy or policies for the user and/or for the user&#39;s gaming account.  
     [0531] At step  1708 , the respective central processing computer  10  and/or gaming facility computer  30  can update the user&#39;s gaming account to reflect the purchase of the respective policy or policies and/or effectuate payment for the respective policy or policies by deducting the purchase price from the user&#39;s gaming account. Thereafter, at step  1709 , the respective central processing computer  10  and/or gaming facility computer  30  can automatically monitor the outcome of the bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies.  
     [0532] At step  1709 , the respective central processing computer  10  and/or gaming facility computer  30  can determine the outcome of the bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies and determine the winner of the bet or gaming activity. At step  1710 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the user won the bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies.  
     [0533] If, at step  1710 , it is determined that the user won the bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies, the respective central processing computer  10  and/or gaming facility computer  30  can, at step  1711 , provide notification to the user, via any of the herein-described notification methods or means, so as to notify the user of the cancellation of the respective insurance policy or insurance policies. Thereafter, the operation of the apparatus  100  will cease at step  1712 .  
     [0534] If, however, at step  1710 , it is determined that the user lost the bet or gaming activity covered by the respective gaming loss and/or gambling loss insurance policy or policies, the respective central processing computer  10  and/or gaming facility computer  30  will, at step  1713 , automatically generate and process a claim or claims under the respective gaming loss and/or gambling loss insurance policy or policies and effectuate payment of the insurance proceeds the user&#39;s gaming account.  
     [0535] At step  1714 , the respective central processing computer  10  and/or gaming facility computer  30  can provide notification to the user, via any of the herein-described notification methods or means, so as to notify the user of the processed claim under the insurance policy or policies and the payment or payments made his or her gaming account. Thereafter, the operation of the apparatus  100  will cease at step  1715 .  
     [0536] In another preferred embodiment, the apparatus  100  and method of the present invention can be utilized in order to provide a credit derivative product, in the form of a gaming loss insurance credit derivative and/or a gambling loss credit derivative, which can be an instrument which a gaming facility, a gaming loss insurance provider, and/or a gambling loss insurance provider, can sell and/or issue to a user or users of the present invention, and/or or to any other interested parties, in order to reduce its risk of loss associated with its exposure or potential exposure from the sale or issuance of the respective gaming loss insurance policies and/or gambling loss insurance policies.  
     [0537] In this regard, the apparatus  100  and method of the present invention can provide a credit derivative or instrument to users, players, or other parties, which will enable the provider(s) of the respective gaming loss insurance policies and/or gaming loss insurance policies to reduce its risk of loss in the event of claims paid out to user insureds under the respective policies. The credit derivative can also enable the user to invest in, and/or bet and/or gamble on, whether a respective gaming loss insurance provider and/or gambling loss insurance provider will realize more revenues from premiums obtained under the respective insurance policies than it pays out to claimants under the respective insurance policies.  
     [0538] In one preferred embodiment, in the event a respective insurer(s) needs to pay out more for claims than it takes obtains in premiums, it can utilize the proceeds obtained from the sale of credit derivatives. In another preferred embodiment, in the event a respective insurer(s) pays out less in claims than it pays out in claims, it can return the purchase price plus a percentage return (i.e. interest payment, payment for assuming the risk of the investment in the credit derivative, etc.) to the user or purchaser of the credit derivative.  
     [0539] In a preferred embodiment, the return to the user or other party for his, her, or its, investment can be provided from profits realized by the respective insurer (i.e. total premiums less claims paid, etc.). The credit derivative can also be structured and/or devised in any other appropriate manner so as to cover an insured&#39;s risk of loss while providing a rate of return to the investing user or other party in the event the insured dose not sustain a loss.  
     [0540]FIGS. 18A and 18B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIGS. 18A and 18B, the operation of the apparatus  100  and method the present invention commences at step  1800 . At step  1801 , the insurance provider of the respective gaming loss insurance policies and/or gambling loss insurance policies can access the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  and enter and transmit information regarding a risk of loss assumed under issued gaming loss and/or gambling loss insurance policies along with a request for information regarding an available credit derivative.  
     [0541] At step  1802 , the central processing computer  10  and/or gaming facility computer  30  can receive the insurer&#39;s request, process same, and identify a credit derivative suitable for the insurer. At step  1802 , the respective central processing computer  10  and/or gaming facility computer  30  can generate a credit derivative offering message containing information regarding the credit derivative, the risk associated with an investment in same, and the rate of return, or a range of a rate of return expected to be paid if paid out at all.  
     [0542] At step  1803 , the respective central processing computer  10  and/or gaming facility computer  30  can transmit the credit derivative offering message to the user communication devices  20  of any number of users or other parties. In another preferred embodiment, the credit derivative offering message can be transmitted to users or other parties when the users or other parties access the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0543] At step  1804 , the user, users, or other parties, can receive the credit derivative offering message, review the information contained therein, and decide whether or not to purchase the credit derivative. If, at step  1804 , the users or other parties decide to purchase the credit derivative, the user or other party an transmit a purchase message to the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0544] At step  1805 , the respective central processing computer  10  and/or gaming facility computer  30  can receive and process the information contained in the purchase message. At step  1805 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate the purchase of the credit derivative(s) for the user, users, or other parties, and/or for the gaming account(s) of the user, users, or other parties.  
     [0545] In a preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can also, at step  1805 , effectuate payment for the derivative(s) from the user&#39;s gaming account and/or from a payment identifier provided by the user. At step  1806 , the respective central processing computer  10  and/or gaming facility computer  30  can await a settlement event. Upon the occurrence of the settlement event, the respective central processing computer  10  and/or gaming facility computer  30  can, at step  1807 , determine if the user or other party is due to receive its purchase price back with a rate of return (i.e. the insurer paid out less in claims than it took in revenues).  
     [0546] If, at step  1807 , it is determined that the user or party is due to receive its purchase price back and a rate of return, then the operation of the respective central processing computer  10  and/or gaming facility computer  30  will proceed to step  1808  and respective central processing computer  10  and/or gaming facility computer  30  can effectuate payment to the user&#39;s gaming account for each user or the party that invested in the credit derivative.  
     [0547] At step  1808 , the respective central processing computer  10  and/or gaming facility computer  30  can also provide notification to the user or other party, via any of the herein-described notification methods or means, so as to notify the user or other party of the payment made pursuant to the credit derivative. Thereafter, the operation of the apparatus  100  will cease at step  1809 .  
     [0548] If, at step  1807 , it is determined that the user or party is not due to receive its purchase price back and a rate of return (i.e. the insurer paid out more in claims than it received in premiums) then the operation of the respective central processing computer  10  and/or gaming facility computer  30  will proceed to step  1810  and the respective central processing computer  10  and/or gaming facility computer  30  can provide notification to the user or other party, via any of the herein-described notification methods or means, so as to notify the user or other party that no payment will be made pursuant to the credit derivative. Thereafter, the operation of the apparatus  100  will cease at step  1811 .  
     [0549] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to notify users or players of the availability of any of the herein-described gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives. The users can thereafter effectuate a purchase of any of any of the herein-described gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives via a respective central processing computer  10  and/or gaming facility computer  30 .  
     [0550] In another preferred embodiment, the apparatus  100 , and/or the central processing computer  10  and/or the gaming facility computer  30 , can administer the sale of, and/or process, and/or service, any claims and/or payments made to the user pursuant to a respective gaming loss insurance policies and/or gambling loss insurance policies and/or of the availability of any of the herein-described gaming loss insurance credit derivatives and/or gambling loss insurance credit derivatives.  
     [0551]FIGS. 19A and 19B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention. With reference to FIGS. 19A and 19B, the operation of the apparatus  100  commences at step  1900 . At step  1901 , the apparatus  100  will await an occurrence of a notification event. In a preferred embodiment, the notification event can be a new posting of available gaming loss insurance policies, gambling loss insurance policies, gaming loss insurance credit derivatives, and/or gambling loss insurance credit derivatives.  
     [0552] In another preferred embodiment, the notification event can be a user&#39;s request for information regarding available gaming loss insurance policies, gambling loss insurance policies, gaming loss insurance credit derivatives, and/or gambling loss insurance credit derivatives, and/or a user&#39;s placing a bet and/or engaging in gaming activity at a respective central processing computer  10  and/or gaming facility computer  30 .  
     [0553] Upon the occurrence of the notification event, the respective central processing computer  10  and/or gaming facility computer  30  can, at step  1902 , generate a notification message containing any appropriate information regarding the available gaming loss insurance policies, gambling loss insurance policies, gaming loss insurance credit derivatives, and/or gambling loss insurance credit derivatives, including respective pricing information, deductible information, risk information, and/or rate or return information. At step  1902 , the notification message an be transmitted to the user&#39;s communication device  20 .  
     [0554] At step  1903 , the user communication device  20  can receive the notification message and provide the information to the user. At step  1904 , the user can decide to purchase a respective gaming loss insurance policy, gambling loss insurance policy, gaming loss insurance credit derivative, and/or gambling loss insurance credit derivative. If, at step  1904 , the user decides not to purchase a respective gaming loss insurance policy, gambling loss insurance policy, gaming loss insurance credit derivative, and/or gambling loss insurance credit derivative, the operation of the apparatus  100  will cease at step  1905 . If, however, the user decide to purchase a respective gaming loss insurance policy, gambling loss insurance policy, gaming loss insurance credit derivative, and/or gambling loss insurance credit derivative, the user communication device  20 , at step  1906 , will generate a purchase request message and transmit same to the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0555] At step  1907 , the respective central processing computer  10  and/or gaming facility computer  30  can receive and process the purchase request message. At step  1908 , the respective central processing computer  10  and/or gaming facility computer  30  will effectuate the purchase of the respective gaming loss insurance policy, gambling loss insurance policy, gaming loss insurance credit derivative, and/or gambling loss insurance credit derivative, for or on behalf of the user.  
     [0556] At step  1909 , the respective central processing computer  10  and/or gaming facility computer  30  can perform any of the herein described processing routines for servicing and/or supporting the respective gaming loss insurance policy, gambling loss insurance policy, gaming loss insurance credit derivative, and/or gambling loss insurance credit derivative. For example, in the case of a gaming loss insurance policy or gambling loss insurance policy, the respective central processing computer  10  and/or gaming facility computer  30  can determine if a gaming loss or a gambling loss has occurred, file and process a claim pursuant to the respective insurance policy and effectuate payment of the claim proceeds to the user&#39;s gaming account.  
     [0557] In the case of a gaming loss insurance credit derivative or a gambling loss insurance credit derivative, the respective central processing computer  10  and/or gaming facility computer  30  can determine if a payment, with a rate or return, is due to be received by user and effectuate such payment to the user&#39;s gaming account.  
     [0558] At step  1909 , the respective central processing computer  10  and/or gaming facility computer  30  can also provide notification to the user or other party, via any of the herein-described notification methods or means, so as to notify the user or other party of any actions taken, or not taken, pursuant to the respective gaming loss insurance policy, gambling loss insurance policy, gaming loss insurance credit derivative, and/or gambling loss insurance credit derivative. Thereafter, the operation of the apparatus  100  will cease at step  1910 .  
     [0559] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in conjunction with state gaming activities of a respective state, country or sovereignty. As used herein the term “state” means any state, region, territory, and/or possession of the United States of America, any nation, country, sovereign state, monarchy, principality, and/or any region, territory, possession, and/or subdivision of same. In this manner, the apparatus and method of the present invention can also be utilized in a manner consistent with gaming laws, rules, and/or regulations, in the various states, countries, or sovereignties, in which, or in conjunction with which, the apparatus  100  and method of the present invention can also be utilized. In this manner, the apparatus  100  and method of the present invention can also be utilized in order to facilitate compliance with the various and respective state, country, and/or sovereignty, gaming laws and/or gambling laws and/or so as to facilitate any reporting of gaming activities and/or gambling activities to the appropriate state, country, and/or sovereignty, authorities and/or so as to facilitate any payments of fees and/or taxes relating to the gaming activities and/or gambling activities.  
     [0560] In a preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in a scenario in which each of the herein-described types or kinds of states may have gaming law, gaming regulations, gaming rules, gambling laws, gambling regulations, and/or gambling rules, in effect. In certain scenarios, certain states may only allow certain types of gaming and/or gambling (i.e. lotteries, horse racing, etc.). In certain other scenarios, certain states may affirmatively ban certain types of gaming activities and/or gambling activities (i.e. card games, sports gambling, etc.). In certain other scenarios, certain states may allow all gaming activities and/or gambling activities and/or allow same if supervised by a licensing authority and/or upon the payment of gaming fees and/or gambling fees.  
     [0561] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in a scenario in which a state from which a remote gaming activity and/or gambling activity originates (“the originating state”) would be deemed legal and/or in compliance with the originating state&#39;s gaming laws and/or gambling laws if any one or more of a gaming license is obtained by the user and/or the gaming facility involved in the gaming activity and/or gambling activity, a gaming fee is paid to the originating state, a gaming fee is paid to the originating state by the user and/or the gaming facility involved in the gaming activity and/or gambling activity for each gaming activity and/or gambling activity which occurs, and/or upon the satisfaction of any other originating state dictated requirements and/or the payment of any originating state prescribed fees. The gaming facility can be the operator of and/or be associated with any of the herein-described central processing computers  10  and/or gaming facility computers  30 .  
     [0562] For example, if a state, such as New York State, only allows state lotteries, horse racing, and/or slot machine gaming, a user utilizing the apparatus  100  and method of the present invention via his or her own communication device and/or personal computer  20  from his or her home in Anytown, new York, can legally engage in remote gaming activities from New York upon any one or more of obtaining a license from New York State, the gaming facility obtaining a license from New York State, the user and/or the gaming facility paying a gaming fee to New York State, and/or the user and/or the gaming facility paying a gaming fee to New York State for each gaming activity and/or gambling activity and/or for any number of gaming activities and/or gambling activities. In this type of proposed scenario, states and countries can receive gaming activity fees and/or gambling activity fees, thereby resulting in a financial benefit to the participating state, states, country, and/or countries.  
     [0563] In a preferred embodiment, it is envisioned that certain states either or both may claim jurisdiction over gaming activities and/or gambling activities which physically occur inside the state, on waters within the state&#39;s jurisdiction, and/or within the state&#39;s airspace, and/or that certain states may claim jurisdiction over remote gaming activities and/or gambling activities which originate from a user communication device  20  which is permanently and/or temporarily inside the state, on waters within the state&#39;s jurisdiction, and/or within the state&#39;s airspace, at the time the remote gaming activity and/or gaming activity occurs or takes place.  
     [0564] For example, if a state claims jurisdiction over gaming activities and/or gambling activities which originate from a user communication device  20  which is located inside the state, on waters within the state&#39;s jurisdiction, and/or within the state&#39;s airspace, at the time the remote gaming activity and/or gaming activity occurs or takes place, the state may require a license be obtained beforehand and/or afterward by the user and/or the gaming facility which is the counterparty to the gaming activity and/or gambling activity. In this manner, gaming activity and/or gambling activity, otherwise prohibited by a state&#39;s laws, can be legal and the state can realize financial revenues from such remote gaming activity and/or gambling activity.  
     [0565] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to administer remote gaming activity and/or gambling activity. FIGS. 20A and 20B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention.  
     [0566] With reference to FIGS. 20A and 20B, the operation of the apparatus  100  commences at step  2000 . At step  2001 , a user can access a respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  and place a bet, wager, and/or otherwise engage in gaming activity and/or gambling activity. At step  2001 , the user can transmit a betting message from the user communication device  20  to the respective central processing computer  10  and/or gaming facility computer  30 . The betting message can contain information regarding the bet, wager, gaming activity, or gambling activity.  
     [0567] At step  2001 , the information regarding the user&#39;s bet, wager, and/or gaming activity, can include a payment identifier for the amount of the bet, wager, and/or gaming activity, and/or a payment identifier for payment of any gaming fee or fees to the originating state, if applicable.  
     [0568] At step  2002 , the respective central processing computer  10  and/or gaming facility computer  30  can process the information regarding the user&#39;s bet and/or gaming activity and effectuate the placing of the user&#39;s bet and/or gaming activity. At step  2002 , the respective central processing computer  10  and/or gaming facility computer  30  can ascertain the state having jurisdiction over the remote gaming activity and/or gambling activity.  
     [0569] In one preferred embodiment, wherein the user communication device  20  is registered with the respective central processing computer  10  and/or gaming facility computer  30  as a line connected device (i.e. personal computer, telephone, personal digital assistant, television, interactive television, etc., which is connected to a telephone line, a cable television line, a DSL line, a T-1 line, and/or any other hard wired communication line, etc.), information regarding the user&#39;s state and/or the state having jurisdiction over the remote gaming activity and/or gambling activity can be pre-registered with, and/or be known by, the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0570] In another preferred embodiment, wherein the user communication device  20  is a wireless communication device and/or a mobile communication device (i.e. personal digital assistant, wireless videophone, wireless telephone, palm-held device, etc., which can be equipped with a global positioning system (GPS) device  20 J), the location of the user communication device  20  and, therefore, the location from which the gaming activity and/or gambling activity originates and/or from which it takes place can be determined by the user communication device  20  automatically transmitting position data and/or information to the respective central processing computer  10  and/or gaming facility computer  30  at the time of the user&#39;s accessing of the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0571] In another preferred embodiment, such as in a case when a user is placing bets from an airplane, boat, cruise ship, train, automobile, etc., wherein the user&#39;s location may change at any time, the user communication device  20  can be programmed to automatically transmit position data and/or information along with the signal containing information regarding the user&#39;s bet, wager and/or gaming activity. In this manner, the respective central processing computer  10  and/or gaming facility computer  30 , at step  2002 , can both process the user&#39;s bet, wager, and/or gaming activity and ascertain the state which has jurisdiction over the remote gaming activity and/or gambling activity.  
     [0572] At step  2003 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the remote gaming activity and/or gambling activity is allowed by the state having jurisdiction over the remote gaming activity and/or gambling activity.  
     [0573] If, at step  2003 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the remote gaming activity and/or gambling activity is disallowed by the identified state having jurisdiction over same, then the operation of the apparatus  100  will proceed to step  2004  and the respective central processing computer  10  and/or gaming facility computer  30  will cancel the respective bet, wager, and/or gaming activity and/or gambling activity.  
     [0574] At step  2005 , the respective central processing computer  10  and/or gaming facility computer  30  will generate a gaming activity cancellation message and transmit same to the user communication device  20 . At step  2006 , the user communication device  20  will receive the gaming activity cancellation message and the information contained therein can be provided to the user. Thereafter, the operation of the apparatus  100  will cease at step  2007 .  
     [0575] If, however, at step  2003 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the remote gaming activity and/or gambling activity is allowed by the identified state having jurisdiction over same, then the operation of the apparatus  100  will proceed to step  2008  and respective central processing computer  10  and/or gaming facility computer  30  will place, process and/or administer, the respective gaming activity and/or gambling activity. At step  2008 , the respective central processing computer  10  and/or gaming facility computer  30  can determine the winner of the bet, wager, or gaming activity and effectuate payment of the proceeds to the winning party.  
     [0576] At step  2008 , the respective central processing computer  10  and/or gaming facility computer  30  can also generate an activity results message and transmit same to the user communication device  20  which can receive the activity results message and provide information contained therein to the user. At step  2009 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate payment of any gaming fee and/or gambling fee for the remote gaming activity and/or gambling activity to the originating state.  
     [0577] In a preferred embodiment, the payment of any fee or fees to the originating state can be effectuated by an electronic monetary transmission and/or electronic transfer from the respective central processing computer  10  and/or gaming facility computer  30  to the governmental entity computer  60  associated with the originating state. In another preferred embodiment, any other accounting methods (i.e. account crediting, etc.) can also be utilized in order to effectuate a payment or payments to the originating state.  
     [0578] At step  2009 , the respective central processing computer  10  and/or gaming facility computer  30  can also transmit an activity report containing information regarding the time of the gaming activity and/or gambling activity, the location of origination of the gaming activity and/or gambling activity, the user involved, the gaming facility involved, the amount of the bet or wager, the activity or game which was the subject of the bet, wager, and/or gaming activity, the amount to the fee paid, the amount of a user&#39;s winning for reporting purposes and/or for tax reporting purposes, and/or any other information which may be of interest or use to the originating state.  
     [0579] At step  2009 , a message containing any and/or all of the information described herein as being provided to the originating state&#39;s governmental entity computer  60  can also be transmitted to the user communication device  20 . In another preferred embodiment, the fee payable to the originating state can be a portion of the amount bet by the user and/or can be a portion of the amount won by the user and/or by the gaming facility.  
     [0580] In another embodiment, the fee can be paid from a gaming activity license fund and/or a gambling activity license fund which can be associated with the user and/or with the gaming facility and which can be administered by the respective central processing computer  10  and/or gaming facility computer  30 . In another preferred embodiment, the user can transmit payment for, and/or an authorization for payment for, the requisite fee to the respective central processing computer  10  and/or gaming facility computer  30  along with the user&#39;s bet or wager which was transmitted to the respective central processing computer  10  and/or gaming facility computer  30  at step  2001 .  
     [0581] Thereafter, the operation of the apparatus  100  will cease at step  2010 .  
     [0582] In another preferred embodiment, the apparatus and method of FIGS. 20A and 20B can also be utilized in order to allow a user to play lottery games in any number of states, countries, and/or other localities. The apparatus  100  can determine a user&#39;s originating state and can facilitate the playing of a lottery game or games, including the collection of winnings and/or prizes for and/or on behalf of the user for any number of state lottery games.  
     [0583] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to allow a user or user&#39;s to place remote bets, wagers, and/or otherwise engage in gaming activity and/or gambling activity on, in, and/or from, a vehicle.  
     [0584] In another preferred embodiment, the apparatus  100  and method of the present invention can also provide for gaming activities and/or gambling activities on board any one or more of a gaming establishment or gambling establishment aboard a boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, train, subway train, bus, automobile, and/or any other vehicle, etc., (hereinafter referred to as “vehicle”).  
     [0585] The present invention can utilize global positioning technology at the user communication device  20  and/or at a central processing computer  10  and/or a gaming facility computer  30  on board the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, and/or commercial aircraft, a train, a subway train, a bus, and/or an automobile, etc., in order to ascertain the jurisdiction in which the respective boat, ship, cruise ship, commercial boat or cruise ship, passenger boat, ferry, marine vehicle, marine vessel, aircraft, airplane, jet, passenger aircraft, shuttle aircraft, commercial aircraft, train, subway train, bus, automobile, and/or any other vehicle, on which any one or more of the respective user communication device  20 , central processing computer  10 , and/or gaming facility computer  30 , is located and apply the gaming laws and rules for the identified jurisdiction in which the respective user communication device  20 , central processing computer  10 , and/or gaming facility computer  30 , is located, to the respective gaming activities and/or gambling activities.  
     [0586] The apparatus  100  can also facilitate the payment of any gaming activities and/or gambling activity fees to an appropriate state or states. As noted above, term “state” means any state, region, territory, and/or possession of the United States of America, any nation, country, sovereign state, monarchy, principality, and/or any region, territory, possession, and/or subdivision of same.  
     [0587]FIGS. 21A and 21B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIGS. 21A and 21B, the operation of the apparatus  100  commences at step  2100 . At step  2101 , a user can access a respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  and place a bet, wager, and/or otherwise engage in gaming activity and/or gambling activity. At step  2101 , the user can transmit a betting message from the user communication device  20  to the respective central processing computer  10  and/or gaming facility computer  30 . The betting message can contain information regarding the bet, wager, gaming activity, or gambling activity.  
     [0588] The respective central processing computer  10  and/or gaming facility computer  30  can be located on board the vehicle and/or can be located remote from the vehicle and/or on board a different vehicle. At step  2101 , the information regarding the user&#39;s bet, wager, and/or gaming activity, can include a payment identifier for the amount of the bet, wager, and/or gaming activity, and/or a payment identifier for payment of any gaming fee or fees to the originating state, if applicable.  
     [0589] At step  2102 , the respective central processing computer  10  and/or gaming facility computer  30  can process the information regarding the user&#39;s bet and/or gaming activity and effectuate the placing of the user&#39;s bet and/or gaming activity. At step  2102 , the respective central processing computer  10  and/or gaming facility computer  30  can ascertain the state having jurisdiction over the remote gaming activity and/or gambling activity.  
     [0590] At step  2102 , the respective central processing computer  10  and/or gaming facility computer  30  can ascertain the position or location of the user communication device  20 . The position or location information regarding the position or location of the user communication device  20  can be transmitted from the user communication device  20  after being determined by a global positioning device  20 J associated with the user communication device  20  and/or by a global positioning device associated with the vehicle carrying the user and/or the user communication device  20 .  
     [0591] The position or location information regarding the position or location of the respective central processing computer  10  and/or gaming facility computer  30  can be determined by a global positioning device  10 J or  30 J, respectively, associated with the respective central processing computer  10  and/or gaming facility computer  30  and/or by a global positioning device associated with the vehicle carrying the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0592] In another preferred embodiment, any position and/or location information regarding any of the herein user communication devices  20 , central processing computers  10  and/or gaming facility computers  30 , can be ascertained beforehand and stored in a respective central processing computer  10  and/or gaming facility computer  30 .  
     [0593] In another preferred embodiment, such as in a case when a user is placing bets from the vehicle, wherein the user&#39;s location may change at any time, the user communication device  20  can be programmed to automatically transmit new or updated position data and/or information along with the signal containing information regarding the user&#39;s bet, wager and/or gaming activity. In this manner, the respective central processing computer  10  and/or gaming facility computer  30 , at step  2002 , can both process the user&#39;s bet, wager, and/or gaming activity and ascertain the state which has jurisdiction over the remote gaming activity and/or gambling activity.  
     [0594] In another preferred embodiment, such as in a case when a respective central processing computer  10  and/or gaming facility computer  30 , is one a an airplane, boat, cruise ship, train, automobile, etc., wherein the location of the respective central processing computer  10  and/or gaming facility computer  30  may change at any time, the respective central processing computer  10  and/or gaming facility computer  30  can be programmed to automatically determine new and/or updated position data and/or information regarding the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0595] In the above-described manner, the apparatus  100  can determine any and/or all applicable jurisdictions in which gaming activity and/or gambling activity is taking place.  
     [0596] At step  2103 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the remote gaming activity and/or gambling activity, from the perspective of all interested parties, including the user, the central processing computer, if utilized, the gaming facility computer, if utilized, and/or the gaming facility, if applicable, is allowed by the state having jurisdiction over the remote gaming activity and/or gambling activity of the user, and/or the respective central processing computer  10  and/or the gaming facility computer  30 .  
     [0597] If, at step  2103 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the remote gaming activity and/or gambling activity is disallowed by the identified state having jurisdiction over the user communication device  20 , and/or by the identified state having jurisdiction over the over the respective central processing computer  10  and/or the gaming facility computer  30 , then the operation of the apparatus  100  will proceed to step  2104  and the respective central processing computer  10  and/or gaming facility computer  30  will cancel the respective bet, wager, and/or gaming activity and/or gambling activity.  
     [0598] At step  2105 , the respective central processing computer  10  and/or gaming facility computer  30  will generate a gaming activity cancellation message and transmit same to the user communication device  20 . At step  2106 , the user communication device  20  will receive the gaming activity cancellation message and the information contained therein can be provided to the user. Thereafter, the operation of the apparatus  100  will cease at step  2107 .  
     [0599] If, however, at step  2103 , the respective central processing computer  10  and/or gaming facility computer  30  determines that the remote gaming activity and/or gambling activity is allowed by the identified state having jurisdiction the user communication device  20  and by the identified state having jurisdiction over the respective central processing computer  10  and/or gaming facility computer  30 , then the operation of the apparatus  100  will proceed to step  2108  and the respective central processing computer  10  and/or gaming facility computer  30  will place, process and/or administer, the respective gaming activity and/or gambling activity.  
     [0600] At step  2108 , the respective central processing computer  10  and/or gaming facility computer  30  can determine the winner of the bet, wager, or gaming activity and effectuate payment of the proceeds to the winning party.  
     [0601] At step  2108 , the respective central processing computer  10  and/or gaming facility computer  30  can also generate an activity results message and transmit same to the user communication device  20  which can receive the activity results message and provide information contained therein to the user. At step  2109 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate payment of any gaming fee and/or gambling fee for the remote gaming activity and/or gambling activity to the state having jurisdiction over the user communication device  20  and to the state having jurisdiction over the respective central processing computer  10  and/or gaming facility computer  30 , if applicable.  
     [0602] In a preferred embodiment, the payment of any fee or fees to the state having jurisdiction over the user communication device  20  and to the state having jurisdiction over the respective central processing computer  10  and/or gaming facility computer  30 , if applicable, can be effectuated by an electronic monetary transmission and/or electronic transfer from the respective central processing computer  10  and/or gaming facility computer  30  to the governmental entity computer  60  associated with the originating state.  
     [0603] In another preferred embodiment, any other accounting methods (i.e. account crediting, etc.) can also be utilized in order to effectuate a payment or payments to the state having jurisdiction over the user communication device  20  and to the state having jurisdiction over the respective central processing computer  10  and/or gaming facility computer  30 , if applicable. At step  2109 , the respective central processing computer  10  and/or gaming facility computer  30  can also transmit an activity report containing information regarding the time of the gaming activity and/or gambling activity, the location of origination of the gaming activity and/or gambling activity, the user involved, the gaming facility involved, the amount of the bet or wager, the activity or game which was the subject of the bet, wager, and/or gaming activity, the amount to the fee paid, the amount of a user&#39;s winning for reporting purposes and/or for tax reporting purposes, and/or any other information which may be of interest or use to the state having jurisdiction over the user communication device  20  and to the state having jurisdiction over the respective central processing computer  10  and/or gaming facility computer  30 , if applicable.  
     [0604] At step  2109 , a message containing any and/or all of the information described herein as being provided to the governmental entity computer  60  of the state or states can also be transmitted to the user communication device  20 . In another preferred embodiment, the fee payable to the state having jurisdiction over the user communication device  20  and to the state having jurisdiction over the respective central processing computer  10  and/or gaming facility computer  30 , if applicable, can be a portion of the amount bet by the user and/or can be a portion of the amount won by the user and/or by the gaming facility. In another embodiment, the fee can be paid from a gaming activity license fund and/or a gambling activity license fund which can be associated with the user and/or with the gaming facility and which can be administered by the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0605] In another preferred embodiment, the user can transmit payment for, and/or an authorization for payment for, the requisite fee to the respective central processing computer  10  and/or gaming facility computer  30  along with the user&#39;s bet or wager which was transmitted to the respective central processing computer  10  and/or gaming facility computer  30  at step  2101 .  
     [0606] Thereafter, the operation of the apparatus  100  will cease at step  2110 .  
     [0607] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to allow a user to purchase lottery tickets for lotteries in any number of states and/or countries. As indicated above, the term “state” means any state, region, territory, and/or possession of the United States of America, any nation, country, sovereign state, monarchy, principality, and/or any region, territory, possession, and/or subdivision of same.  
     [0608] In a preferred embodiment, the user can access a respective central processing computer  10  and/or gaming facility computer  30  and purchase a lottery tickets in any one or more state lotteries via the user communication device  20 . In a preferred embodiment, the user can access the respective central processing computer  10  and/or gaming facility computer  30  at any time at his or her own initiative. In another preferred embodiment, the user can pre-program the respective central processing computer  10  and/or gaming facility computer  30  to provide him or her with an alert, in real-time and/or otherwise, when a lottery is available and/or when a lottery prize reaches a certain prize amount.  
     [0609] The respective central processing computer  10  and/or gaming facility computer  30  can transmit a notification message to the user&#39;s user communication device  20 . In a preferred embodiment, the notification message can contain a link to the respective central processing computer  10  and/or gaming facility computer  30 . In another preferred embodiment, the user can access the respective central processing computer  10  and/or gaming facility computer  30  and purchase a ticket or tickets for the respective lottery.  
     [0610] In another preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can monitor the results of the various state lotteries and receive any winnings on behalf of the user which can be electronically transferred into the user&#39;s gaming account. In another preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can generate a lottery results message and transmit same to the user communication device  20 .  
     [0611] In another preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can also perform any and/or all of the gaming account administration processing routines and/or functionality such as, but not limited to, recording a user&#39;s winnings, recording a user&#39;s losses, recording a user&#39;s net winnings, recording a user&#39;s net losses, reporting a user&#39;s winnings and/or losses to appropriate taxing authorities, withholding income taxes for a user, paying withholding taxes to a taxing authority, etc.  
     [0612] In a preferred embodiment, respective central processing computer  10  and/or gaming facility computer  30  can be linked with one or more governmental entity computers  60  for any one or more of purchasing lottery tickets, receiving lottery game results, receiving electronic transfers of a user&#39;s winnings on behalf of the user, paying via electronic transfer a user&#39;s withholding taxes and/or income taxes on winnings, and reporting the user&#39;s gaming activities to an appropriate governmental entity computer  60  associated with the appropriate governmental authority and/or taxing authority.  
     [0613]FIGS. 22A, 22B and  22 C illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIGS. 22A, 22B and  22 C, the operation of the apparatus commences at step  2200 . At step  2201 ,the user can access the respective central processing computer  10  and/or gaming facility computer  30 . In a preferred embodiment, the user can access the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  at any time at his or her own initiative.  
     [0614] In another preferred embodiment, the user can program the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  in order to receive notification of the availability of a lottery game in any one or more states.  
     [0615] In the preferred embodiment, the various lottery games can have governmental entity computer  60  associated therewith which can be linked to the respective central processing computer  10  and/or gaming facility computer  30 . Each time a new lottery game is available, each time a new lottery game prize is available, the respective central processing computer  10  and/or gaming facility computer  30  can be notified from the respective governmental entity computer  60 . The user can program the respective central processing computer  10  and/or gaming facility computer  30  to notify him or her of the availability of a new lottery game and/or of a lottery game with a new and/or updated prize.  
     [0616] The respective central processing computer  10  and/or gaming facility computer  30 , upon detecting the posting or availability of a new lottery game and/or of a lottery game with a new and/or updated prize, can generate a notification message and transmit same to the user communication device  20 . Thereafter, the user can link to the respective central processing computer  10  and/or gaming facility computer  30  and/or access the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0617] In the preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can post lottery games and/or lottery game information for any number of states and/or countries.  
     [0618] At step  2201 , the user can access the respective central processing computer  10  and/or gaming facility computer  30  upon his or her own initiative and/or upon receiving a notification message from the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0619] At step  2202 , the user can transmit a purchase request message for a lottery ticket and/or lottery tickets for each lottery game in which the user desires to play. The purchase request message can contain information identifying the user&#39;s gaming account and/or can contain a payment identifier for effecting payment for the requested lottery ticket and/or lottery tickets. The purchase request message can also contain the numbers which the user desires to play or a request for a “QUICPICK” or an automatic and/or a random selection of the numbers to be played by the respective lottery sales machine and/or corresponding governmental entity computer  60 .  
     [0620] The purchase request message can also contain and/or can be accompanied by position or location data and/or information which is generated by and/or transmitted from the user communication device global positioning device  20 J. The position or location data and/or information can also be pre-stored and/or can be a pre-set position if the device  20  is stationary. The position or location data and/or information can also be utilized in order to determine an originating state for the gaming activity, as described in previous embodiments, which can also be utilized for effectuating payment for a gaming activity fee and/or gambling activity fee to the state from which the user&#39;s gaming activity and/or gambling activity originates (i.e. the state from which the user remotely purchases the lottery ticket or lottery tickets).  
     [0621] In the preferred embodiment, at step  2202 , the user can transmit any number purchase request messages, with each purchase request message corresponding to a particular lottery game and/or lottery games. At step  2202 , the user can purchase a lottery ticket or lottery tickets for as many of the posted lottery games as he or she desires.  
     [0622] At step  2203 , the respective central processing computer  10  and/or gaming facility computer  30  will receive each of and/or all of the purchase request messages transmitted from the user communication device  20 . At step  2204 , the respective central processing computer  10  and/or gaming facility computer  30  will process each of and/or all of the purchase request messages transmitted from the user communication device  20 .  
     [0623] At step  2205 , the respective central processing computer  10  and/or gaming facility computer  30  will purchase the requested lottery ticket and/or lottery tickets for each of the lottery games designated by the user. At step  2205 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate an electronic purchase of the respective lottery ticket and/or lottery tickets from each respective governmental entity computer  60  corresponding to a particular lottery.  
     [0624] At step  2205 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate payment from the user&#39;s gaming account and/or with the payment identifier provided by the user in the purchase request message.  
     [0625] At step  2206 , the governmental entity computer  60  for each of the lotteries for which tickets were purchased can transmit an electronic lottery ticket and/or electronic lottery tickets containing the picked and/or automatically picked numbers for each lottery game and a time-stamped electronic receipt of the user&#39;s purchase. At step  2207 , respective central processing computer  10  and/or gaming facility computer  30  will receive the electronic lottery ticket and/or electronic lottery tickets for and/or on behalf of the user for each designated lottery game and/or lottery games.  
     [0626] At step  2207 , the respective central processing computer  10  and/or gaming facility computer  30  will, for all of the lottery games played, store the information contained in the electronic lottery ticket and/or electronic lottery tickets in the user&#39;s record and/or files. Thereafter, the respective central processing computer  10  and/or gaming facility computer  30  will await the reporting of the winning numbers for each lottery game or lottery games played.  
     [0627] At step  2208 , the respective governmental entity computer  60 , for each respective lottery game played, upon the winning numbers being drawn and/or selected, will transmit a lottery results message to the respective central processing computer  10  and/or gaming facility computer  30 . At step  2209 , the respective central processing computer  10  and/or gaming facility computer  30  will receive the lottery results message, process the information contained in same, compare the results in conjunction with the ticket numbers for the lottery game stored in the user&#39;s file of records.  
     [0628] At step  2210 , the respective central processing computer  10  and/or gaming facility computer  30  can determine if the user has won any prizes in the game (i.e. jackpot, first prize, second prize, third prize, etc.). If, at step  2210 , it is determined that the user has not won a prize, the respective central processing computer  10  and/or gaming facility computer  30  can, at step  2211 , generate a results message containing information for notifying the user that he or she did not win.  
     [0629] At step  2211 , the respective central processing computer  10  and/or gaming facility computer  30  can transmit the results message to the user communication device  20 . At step  2212 , the user communication device  20  can provide the information contained in the results message to the user. Thereafter, at step  2213 , the respective central processing computer  10  and/or gaming facility computer  30  can perform any of the herein-described gaming account administration routines and/or functionality for, or on behalf of, the user, such as, for example, recording a user&#39;s winnings, recording a user&#39;s losses, recording a user&#39;s net winnings, recording a user&#39;s net losses, reporting a user&#39;s winnings and/or losses to appropriate taxing authorities, withholding income taxes for a user, paying withholding taxes to a taxing authority, etc.  
     [0630] As noted herein, in a preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can be linked with one or more governmental entity computers  60  for any one or more of purchasing lottery tickets, receiving lottery game results, receiving electronic transfers of a user&#39;s winnings on behalf of the user, paying via electronic transfer a user&#39;s withholding taxes and/or income taxes on winnings, and reporting the user&#39;s gaming activities to an appropriate governmental entity computer  60  associated with the appropriate governmental authority and/or taxing authority.  
     [0631] At step  2213 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate payment of any due gaming activity fee and/or gambling activity fee to the originating state.  
     [0632] Thereafter, the operation of the apparatus  100  will cease at step  2214 .  
     [0633] If, at step  2210 , it is determined that the user has won a prize, the respective central processing computer  10  and/or gaming facility computer  30  can, at step  2215  generate a winning claim message containing information contained in the user&#39;s electronic lottery ticket and/or electronic lottery tickets and transmit same to the respective governmental entity computer  60  servicing the subject lottery. At step  2216 , the governmental entity computer  60  can verify the winning numbers, determine the amount of the user&#39;s winnings and generate a winnings message containing an electronic transfer of the winning funds.  
     [0634] At step  2216 , the governmental entity computer  60  can transmit the winnings message to the respective central processing computer  10  and/or gaming facility computer  30 . At step  2217 , the respective central processing computer  10  and/or gaming facility computer  30  will receive and process the winnings message. At step  2217 , the respective central processing computer  10  and/or gaming facility computer  30  will deposit the user&#39;s winnings into the user&#39;s gaming account.  
     [0635] At step  2218 , the respective central processing computer  10  and/or gaming facility computer  30  will generate a user&#39;s winning massage containing information for notifying the user that he or she has won a prize and the amount of the prize. At step  2218 , the respective central processing computer  10  and/or gaming facility computer  30  will transmit the user&#39;s winning massage to the user communication device  20 . At step  2219 , the information in the user&#39;s winning message can be provided to the user.  
     [0636] At step  2220 , the respective central processing computer  10  and/or gaming facility computer  30  can perform any of the herein-described gaming account administration routines and/or functionality for, or on behalf of, the user, such as, for example, recording a user&#39;s winnings, recording a user&#39;s losses, recording a user&#39;s net winnings, recording a user&#39;s net losses, reporting a user&#39;s winnings and/or losses to appropriate taxing authorities, withholding income taxes for a user, paying withholding taxes to a taxing authority, etc.  
     [0637] As noted herein, in a preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can be linked with one or more governmental entity computers  60  for any one or more of purchasing lottery tickets, receiving lottery game results, receiving electronic transfers of a user&#39;s winnings on behalf of the user, paying via electronic transfer a user&#39;s withholding taxes and/or income taxes on winnings, and reporting the user&#39;s gaming activities to an appropriate governmental entity computer  60  associated with the appropriate governmental authority and/or taxing authority. At step  2220 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate payment of any gaming activity fee and/or gambling activity fee due to the originating state.  
     [0638] Thereafter, the operation of the apparatus  100  will cease at step  2221 .  
     [0639] The above steps can be repeated from step  2208  for each lottery game played by the user.  
     [0640] In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to allow a user to identify and/or locate a gaming activity, a gaming event, a gambling activity, and/or a gambling event, to bet or wager on and/or to locate a counterparty or counterparties interested in betting and/or wagering on a gaming activity, a gaming event, a gambling activity, and/or a gambling event. In another preferred embodiment, the apparatus  100  and method of the present invention can also be utilized in order to allow users to engage in private bets, private gaming activity, private gaming events, private gambling activities, and/or private gambling events, with other users. For example a user may desire to bet on a sporting event or game (i.e. college football game or professional football game) and may desire to find a counterparty to the bet.  
     [0641] The apparatus  100  and method of the present invention can also be utilized in order to allow the user to post his or her bet for a certain gaming activity, gaming event, gambling activity, and/or gambling event, on a respective central processing computer  10  and/or gaming facility computer  30 . For example, a user desiring to bet on a professional or college football game can post his desire to bet a certain amount on a certain team to win. The user can also post the odds or spread he is willing to give in the bet. Thereafter, the user&#39;s posted bet can be available to another user or other users who may subsequently access the respective central processing computer  10  and/or gaming facility computer  30  in search of such a bet on the certain gaming activity, gaming event, gambling activity, and/or gambling event.  
     [0642] In another embodiment, a user can program the respective central processing computer  10  and/or gaming facility computer  30  to notify him or her if and/or when another user posts a certain bet for a certain gaming activity, gaming event, gambling activity, and/or gambling event. Upon the posting of the bet for the certain gaming activity, gaming event, gambling activity, and/or gambling event, the respective central processing computer  10  and/or gaming facility computer  30  can generate and transmit a notification message to the requesting user. Thereafter, the user may access the respective central processing computer  10  and/or gaming facility computer  30  and may decide to be that counterparty or one of the counterparties to the particular bet on the particular gaming activity, gaming event, gambling activity, and/or gambling event.  
     [0643] In another preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can determine whether the respective bet, gaming activity, gaming event, gambling activity, and/or gambling event, is legal in all appropriate jurisdictions. If the respective bet, gaming activity, gaming event, gambling activity, and/or gambling event, is determined to be illegal in at least one jurisdiction, the respective central processing computer  10  and/or gaming facility computer  30  can prevent the respective bet, gaming activity, gaming event, gambling activity, and/or gambling event, from being posted and/or from being made available in conjunction with the apparatus  100 .  
     [0644] In another preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can administer the bet or bets. In a preferred embodiment, the bets of the individual users can be placed held by and/or secured by utilizing an escrow agent computer  50 . For example, the individual users bets can be placed in an escrow account administered by an escrow agent computer  50 .  
     [0645]FIGS. 23A and 23B illustrate another preferred embodiment method for utilizing the apparatus  100  and method of the present invention, in flow diagram form. With reference to FIGS. 23A and 23B, the operation of the apparatus commences at step  2300 . At step  2301 ,the user can access the respective central processing computer  10  and/or gaming facility computer  30 . In a preferred embodiment, the user can access the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  at any time at his or her own initiative.  
     [0646] In another preferred embodiment, the user can program the respective central processing computer  10  and/or gaming facility computer  30  via the user communication device  20  in order to receive notification of the posting and/or availability of a bet, a wager, a gaming activity, a gaming event, a gambling activity, and/or a gambling event, which was previously posted by another user.  
     [0647] In the preferred embodiment, the bet, wager, gaming activity, gaming event, gambling activity, and/or gambling event, can be posted and/or made available, via a user computer  20 , on the respective central processing computer  10  and/or gaming facility computer  30 . A user can program the respective central processing computer  10  and/or gaming facility computer  30  to notify him or her of the availability of the bet, wager, gaming activity, gaming event, gambling activity, and/or gambling event.  
     [0648] The respective central processing computer  10  and/or gaming facility computer  30 , upon detecting the posting or availability of the bet, wager, gaming activity, gaming event, gambling activity, and/or gambling event, can generate a notification message and transmit same to the user communication device  20 . Thereafter, the user can link to the respective central processing computer  10  and/or gaming facility computer  30  and/or access the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0649] In the preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can post any number and/or kinds of bets, wagers, gaming activities, gaming events, gambling activities, and/or gambling events.  
     [0650] Another user or users can place a bet or wager as a counterparty or counterparties to the bet for any of the bets on a posted gaming activity, gaming event, gambling activity, and/or gambling event.  
     [0651] At step  2301 , the user can access the respective central processing computer  10  and/or gaming facility computer  30  upon his or her own initiative and/or upon receiving a notification message from the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0652] At step  2302 , the user can transmit a bet or wager message for the bet, wager, gaming activity, gaming event, gambling activity, and/or gambling event. The bet or wager message can contain information identifying the user&#39;s gaming account and/or can contain a payment identifier for effecting payment for the requested bet or wager. The bet or wager message can also be accompanied by position or location data and/or information which can be generated by and/or transmitted from the user communication device global positioning device  20 J.  
     [0653] The position or location data and/or information can also be pre-stored or can be a pre-set position or location if the device  20  is stationary. The position or location data and/or information can also be utilized in order to determine an originating state for the gaming activity, as described in previous embodiments, which can also be utilized for effectuating payment of a gaming activity fee and/or gambling activity fee to the state from which the user&#39;s gaming activity and/or gambling activity originates (i.e. the state from which the user remotely places the respective bet or wager.  
     [0654] At step  2303 , the respective central processing computer  10  and/or gaming facility computer  30  will receive and process the bet or wager message transmitted from the user communication device  20 . At step  2304 , the respective central processing computer  10  and/or gaming facility computer  30  will place the bet or wager. At step  2305 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate an electronic transfer of funds to an escrow agent computer  50  which will serve as an escrow agent for the bet, wager, gaming activity, gaming event, gambling activity, and/or gambling event.  
     [0655] At step  2305 , the respective central processing computer  10  and/or gaming facility computer  30  can effectuate payment from the user&#39;s gaming account and/or with the payment identifier provided by the user in the bet or wager message.  
     [0656] At step  2306 , the respective central processing computer  10  and/or gaming facility computer  30  will await the reporting of the outcome of the gaming activity, gaming event, gambling activity, and/or gambling event.  
     [0657] At step  2307 , the respective central processing computer  10  and/or gaming facility computer  30  will process information regarding the outcome of the gaming activity, gaming event, gambling activity, and/or gambling event and determine the winning user or users. At step  2307 , the the respective central processing computer  10  and/or gaming facility computer  30  can determine which of the users has won the bet or wager.  
     [0658] At step  2308 , the respective central processing computer  10  and/or gaming facility computer  30  can generate a losing result message containing information for notifying the user who lost the bet or wager. At step  2308 , the respective central processing computer  10  and/or gaming facility computer  30  can also generate a winning result message containing information for notifying the user who won the bet or wager.  
     [0659] At step  2309 , the respective central processing computer  10  and/or gaming facility computer  30  can transmit the losing result message to the user communication device  20  associated with the losing user. At step  2309 , the respective central processing computer  10  and/or gaming facility computer  30  can transmit the winning result message to the user communication device  20  associated with the winning user.  
     [0660] At step  2309 , the respective central processing computer  10  and/or gaming facility computer  30  can also generate a bet or wager result message and transmit the bet or wager result message to the escrow agent computer  50 . In the preferred embodiment, the bet or wager result message can contain information for instructing the escrow agent computer  50  to effectuate an electronic transfer of the betting proceeds to the respective central processing computer  10  and/or gaming facility computer  30 .  
     [0661] At step  2309 , the escrow agent computer  50  can effectuate the electronic fund transfer of the betting proceeds to the respective central processing computer  10  and/or gaming facility computer  30 . At step  2309  the user communication device  20  associated with the winning user can provide the information contained in the winning result message to the winning user. At step  2309  the user communication device  20  associated with the losing user can provide the information contained in the losing result message to the winning user.  
     [0662] At step  2310 , the respective central processing computer  10  and/or gaming facility computer  30  will receive the electronic fund transfer of the betting proceeds for, or on behalf of, the winning user. At step  2310 , the respective central processing computer  10  and/or gaming facility computer  30  can store the betting proceeds in, and/or effectuate the transfer of the betting proceeds to, the winning user&#39;s gaming account.  
     [0663] At step  2311 , the respective central processing computer  10  and/or gaming facility computer  30  can generate a payment message containing information regarding the payment to the winning user&#39;s gaming account and transmit same to the user communication device  20  associated with the winning user. Thereafter, the user communication device  20  can receive the payment message and provide information contained therein to the user.  
     [0664] At step  2312 , the respective central processing computer  10  and/or gaming facility computer  30  can perform any of the herein-described gaming account administration routines and/or functionality for, or on behalf of, the winning user or winning users and/or for the losing user or losing users, such as, for example, recording a user&#39;s winnings, recording a user&#39;s losses, recording a user&#39;s net winnings, recording a user&#39;s net losses, reporting a user&#39;s winnings and/or losses to appropriate taxing authorities, withholding income taxes for a user, paying withholding taxes to a taxing authority, etc., for each of, or for any of, the respective users.  
     [0665] As noted herein, in a preferred embodiment, the respective central processing computer  10  and/or gaming facility computer  30  can be linked with one or more governmental entity computers  60  for paying, via electronic transfer, a user&#39;s withholding taxes and/or income taxes on winnings, and/or for reporting a user&#39;s gaming activities to an appropriate governmental entity computer  60  associated with the appropriate governmental authority and/or taxing authority.  
     [0666] At step  2312 , the respective central processing computer  10  and/or gaming facility computer  30  can also, for any and/or all of the respective users, effectuate payment of any required gaming activity fee and/or gambling activity fee due to a respective originating state.  
     [0667] Thereafter, the operation of the apparatus  100  will cease at step  2313 .  
     [0668] In view of the foregoing, the apparatus  100  and method of the present invention can also be utilized in order to facilitate gaming activity and/or gambling activity in numerous preferred embodiments. The apparatus  100  and method of the present invention can also be utilized in order to facilitate gaming activity and/or gambling activity by remote users or players who can be located anywhere in the world and/or who can be located at any physical distance from a respective gaming facility, gaming activity, gaming event, gambling activity, and/or gambling event.  
     [0669] In any and/or all of the preferred embodiments described herein, the apparatus and method of the present invention can also be utilized in conjunction with any one or combination of the Internet, the World Wide Web, a telecommunication network, a satellite communication network, a cable television network, a digital communication network, a radio frequency network, a broadband network, an optical commination network, and/or any other communication network described herein and/or otherwise, in order to allow users or players to engage in gaming activity and/or gambling activity.  
     [0670] The apparatus  100  and method of the present invention can also be utilized in order to provide any of the herein-described products and/or services via a web site or web sites associated with any of the respective central processing computers  10 , gaming facility computers  30 , financial institution computers  40 , escrow agent computers  50 , and/or governmental entity computers  60 , described herein.  
     [0671] While the present invention has been described and illustrated in various preferred and alternate embodiments, such descriptions are merely illustrative of the present invention and are not to be construed to be limitations thereof. In this regard, the present invention encompasses all modifications, variations, and/or alternate embodiments, with the scope of the present invention being limited only by the claims which follow.