CN102741876A - System and method for intermediary business - Google Patents

Abstract

The herein disclosed junket loyalty system (JLS) and method for operating a junket business are suitable for effectively operating and managing a junket business.

Description

System and method for intermediary business

This application is a PCT international application filed in the name of REDDOTBUSINESS SOLUTIONS, LTD, and requires that the filing date is March 5, 2009, and the title of the invention is "System and Method for Intermediary Business (SYSTEMAND METHOD FOR JUNKET BUSINESS)" Priority to US Provisional Patent Application no. 61/157,802, which is hereby incorporated by reference in its entirety.

technical field

The present invention relates to systems and methods for brokerage game entertainment management.

Background technique

The junket business has been in the gaming entertainment/casino industry for a long time. Junket business needs to provide and satisfy customers' needs in different aspects, such as providing itinerary, meal service and other accommodations, including their entertainment needs.

Casino junkets arrange and provide junket travel to customers at resorts. Resorts may include casinos. Casino junket operators may also provide additional services. Casino junkets work with the entertainment industry and have seen varying degrees of success in the past. In recent years, more junket operators have begun to enter the gaming entertainment industry. This allows the customer to have more choice in the choice of junket when planning a trip to the junket at the resort.

Accordingly, patrons may choose to use different casino junket operators at different times or locations. Due to increased competition, casino junket operators use various methods in order to attract customers to their services. Examples of various approaches include offering higher commission rebates and/or higher levels of credit. Attracted by competitive offers, customers randomly switch from one junket operator to another because there is no reason to continue using a particular casino junket operator. Customers have no incentive to remain loyal to a particular casino junket.

This has created a dilemma for some junket operators - even if the offer offered by the junket operator is the rebate of the highest commission, the cut in profit margins and the lack of repeat customers may result in the junket operator being forced out of the industry.

Typically, casino junket operators organize junket tours for customers by providing services unrelated to gaming entertainment in order to bring these customers to the front door of the casino. The patrons are then left with the casino service specialists to service those patrons at the casino. The credit line is given directly by the casino to the customer, and the casino junket operator is not involved in game-related services such as game metering and cash-out transactions, etc. Customers transact directly with the casino for all gaming related needs and services up to settlement of the gaming account.

Some junket operators and casinos have started working together. For example, casinos license some junket operators to act as independent agents. In some cases, government approval is also required. As independent agents, casino junkets are permitted to directly market and organize junket trips for customers to play at the casino. In addition, casino junkets may also be permitted to offer their services on-site at the casino. Typically, casinos reward the junket operator in the form of commissions based on the amount of games played by customers brought to the casino by the junket operator. In addition, some casinos have begun to allow some casino junkets to provide gaming-related services to customers. However, these gaming-related services are not very effective yet. Some casino junket operators used manual methods to provide gaming-related services in an early fashion. For example, many obstacles and problems arise in tracking, estimating, conducting casino junket operations activities and managing these activities. For example, it is impossible to manually provide real-time tracking and analysis of gaming-related activity in a fast-paced casino environment. Additionally, gaining trust and loyalty from customers becomes more difficult due to a lack of transparency and reliability.

Accordingly, there has long been a need in the art for improvements that can increase customer loyalty to a casino junket.

Contents of the invention

The Junket Loyalty System (JLS) and method for doing business disclosed herein are suitable for efficiently running and managing a junket business.

In one implementation method of increasing customer loyalty, the method includes providing a computing device comprising a processor, a display, a computer readable medium, and code configured to calculate a customer's loyalty points. The method also includes determining a performance value for the customer. Determining the performance value of the patron includes calculating an amount turned over by the patron playing the game during the entertainment game tour, wherein the amount turned over is determined by exchanging a non-convertible meter amount for a token amount of gaming currency. The method also includes calculating the customer's loyalty points based on the customer's performance values, storing the customer's loyalty points on a computer readable medium, and displaying the customer's loyalty points on a display. Alternatively, the capture of turnover information can be done using manual methods of recording on paper cards.

The method may also include providing the customer with a portable storage device and calculating the customer's risk of winning during the game session by program instructions for calculating the customer's risk of winning, wherein the computing device executes the program instructions. The program instructions may include predetermined payout ratios related to game play and a method, the method comprising determining a current payout ratio associated with a game session based on the predetermined payout ratio, and determining a customer's bet amount in the game session , determining the customer's performance value, which is related to the customer's participation history, and calculating the customer's risk of winning or losing from the predetermined payout ratio, wager and performance value. The method may include displaying on a display of the computing device an indication related to the customer's risk of winning or losing. The method may also include storing a record of the insurance on a portable storage device configured to communicate with the computing device.

In another embodiment, the method includes storing a record of loyalty points on a portable storage device, wherein the loyalty points are incremented in accordance with an insurance transaction. In another embodiment, the method includes storing bonus points on the portable storage device, wherein the bonus points are increased in accordance with the insurance transaction. In yet another embodiment, the code configured to determine the customer's credit limit includes instructions for calculating the customer's credit rating in real time. The instructions may be configured to calculate a customer's credit rating in real time. The method may include calculating a credit rating in real time based on historical data, wherein the historical data includes debt data and debt repayment data. The method may include determining the customer's credit limit and displaying the customer's credit limit on the display.

In yet another embodiment, the portable storage device is an RFID card. In another embodiment, the game is baccarat and the gameplay is baccarat gameplay.

In yet another embodiment, the method includes determining an outcome value for the customer. The resulting value is determined by including calculating the payment time of the outstanding debt.

In yet another embodiment, the method includes determining a trade-in value for the customer. The conversion value is determined by a method comprising calculating the turnover of customers over a certain period of time divided by the credit limit provided by the intermediary.

In another embodiment, the method includes determining a frequency value for the customer. The customer's frequency value is determined by a method comprising counting the amount of web portal service used by the customer.

In another embodiment, disclosed herein is a system for increasing customer loyalty. The system includes one or more computing devices. Each computing device includes a processor, a computer readable medium, and code configured to calculate a customer's loyalty points and calculate a risk of winning or losing. The code includes a predetermined payout ratio related to the game play, and an instruction to determine the current payout ratio related to the game link according to the predetermined payout ratio, and an instruction to determine the bet amount made by the customer in the game link, and to determine the betting amount related to the game link. An instruction of the customer's performance value in relation to the customer's participation history, and an instruction to calculate the risk of win or loss from the predetermined payout, wager, and performance value. The computing device also includes a display adapted to display an indication related to the customer's risk-to-win and loyalty points. The computing device is configured to transfer the insurance record to a portable storage device configured to communicate with the computing device.

In another embodiment, the system includes a portable storage device that stores a customer's loyalty points and insurance records. The portable storage device may be an RFID card. The computing device may include an automatic card image converter. In another embodiment, a computing device includes a voice input portion and coding adapted to recognize speech. In another embodiment, the computing device includes a video camera.

Description of drawings

The drawings, which are not necessarily drawn to scale, generally illustrate the various embodiments discussed in this application by way of illustration, not limitation.

Fig. 1 is a diagram of a system and sub-module structural block diagram of an embodiment of the Junket Loyalty System (JLS).

FIG. 2 is a diagram of the system structure of the JLS embodiment in FIG. 1 .

3 is an illustration of a block diagram of an embodiment of a defined organizational structure for the Mediator Many-to-Many Relationship Module (JMTM).

Figure 3A is an illustration of a block diagram of an embodiment of a JMTM relationship module.

Figure 4 is an illustration of a block diagram of an embodiment for a Track, Evaluation and Trace business module (TRET).

Figure 5 is a diagram of the data flow of an embodiment of a Junket Loyalty Management (JLM) subsystem module for a customer.

Figure 6 is a diagram of the data flow of an embodiment of an intermediary Dynamic Insurance Participation (DIP) subsystem module.

FIG. 7 is an illustration of a logical block diagram of the DIP subsystem module in FIG. 6 .

8 is an illustration of a block diagram of an embodiment of a junket credit management (JCM) subsystem module.

Figure 9 is an illustration of a block diagram of an embodiment of a Junket and Agent Reward Rating (JAR) subsystem module.

Detailed ways

In the following detailed description, reference is made to the accompanying drawings which form a part hereof, and in which are shown by way of illustrations specific embodiments in which the inventive concepts may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to operate the JLS, and it should be understood that the embodiments may be used in combination or alone, or that other embodiments may be used without departing from the spirit and scope of the inventive concept Structural and procedural changes may be made without exception. The following detailed description provides examples, and the scope of the invention is defined by the appended claims and their equivalents.

The term "junker" as used in this application means an organizational arrangement that directs patrons to a licensed entertainment venue for the purpose of gaming of chance, said patrons being selected on the basis of their ability or willingness to meet financial eligibility obligations or Agree to participate. In consideration, the patron may receive all or part of the transportation, food, lodging, or entertainment expenses paid directly or indirectly by the venue's licensee or agent.

The terms "junket", "casino junket", "junket promoter" or "casino junket promoter" as used in this application means a person or entity that operates a junket business. In one embodiment, the junket operator is a licensee of the entertainment venue, acting as an independent agent. In one embodiment, local government approval may be required before a junket operator is allowed to operate within an entertainment venue. In return for being granted a license, an intermediary may be required to comply with certain terms and conditions, for example, fulfilling a minimum turnover and/or providing certain forms of collateral for the establishment of a line of credit.

The term "Intermediary Representative" means an individual hired by an Intermediary to organize, market, or operate an Intermediary on behalf of the Intermediary.

The term "appointed agent" or "agent" as used in this application means an agent of a junket whose primary duty is to provide patrons with access to games at a casino where an agreement exists to provide for a principal-agent relationship. Terms and conditions, such as credit extensions and guarantees on commission rates, etc. Any individual or entity may be the appointed representative. Intermediaries usually prefer individuals as appointed agents.

The term "named collaborator" or "partner" as used in this application means a person or entity working with an intermediary to develop and market a business under a profit/loss sharing agreement.

The duties and remuneration of an appointed collaborator are different from those of an appointed agent. Intermediaries usually prefer individuals as designated collaborators.

The term "junket customer" or "customer" as used in this application means an individual customer of a junket operator who participates in gaming at a casino through a tournament organization and/or participation in insurance provided by the junket operator. Said customers include: 1) direct customers, said direct customers are direct individual customers of intermediaries; 2) direct entertainment venue customers, said direct entertainment venue customers are customers introduced by entertainment venue operators; 3) directly introduced and 4) introduced customers, which are customers introduced by an appointed agent or collaborator.

The term "casualty" as used in this application means an establishment, including a virtual establishment, used primarily for the purpose of gaming and in which gaming equipment or supplies are operated for the purpose of generating operating income, such as Land-based casinos, cruise ships or Internet gaming establishments. It should be understood that any entity or person may be an entertainment venue licensee or license applicant. Typically, casinos prefer to deal with individuals, as long as this is legally permitted, because it is easier to tie liability obligations to individuals and establish credit lines on individuals based on their financial capabilities.

The term "casino operator" or "establishment operator" as used in this application means the entity or person who operates a casino and manages gaming at the casino. The casino operator also maintains monitoring log records of all physical monitoring activities within the casino and accounting records of all gaming activity operated by the casino.

The term "joint venture arrangement" or "JV arrangement" as used in this application means a combination formed under a contractual structure between an intermediary and at least one other party in which the intermediary proposes to a customer, appointed agent or collaborator to form a joint venture in order to Add their expertise, capital, effort, skills and knowledge to the insurance engagement process. As a result, the intermediary shares the gains or losses of the insurance participation with at least one other party.

The term "chip" or "live chip" as used in this application means a chip that is exchangeable in a casino. In addition, the game coin value of the game coin metering code is equal to the face value of the game coin metering code. Anyone who has a game currency meter code can exchange with the cashier of the casino to withdraw the same amount of game currency.

The terms "non-redeemable credits" or "dead chips" as used in this application mean credits that cannot be redeemed for playing chips but can be used to participate in games at casinos. In addition, the face value of "non-redeemable chips" or "dead chips" is not the same amount of playing currency. Casino tellers do not allow anyone to redeem these credits. Only junkets or their authorized employees are permitted to exchange these credits for gaming currency. Commission (same percentage) will be deducted from the face value of these gauges. Depending on the terms agreed upon, these non-convertible meter codes may have a smaller play value, say 90%.

Example 1, if the junket earns a 1.1% commission from the casino operator and returns $100,000 of non-convertible meter codes to the casino cashier at the end of the junket tour, $98,900 (after deducting $1,100 ($100,000x1.1%) Afterwards) the game currency value is paid to the intermediary. For example 2; the casino cashier will pay the intermediary $90,000 (after deducting the agreed ratio) the game currency value.

When the term "turnover" or "circulation" is used in this application, it means the process of converting game currency measurement codes into non-convertible measurement codes, including customer turnover and intermediary turnover.

The Junket Loyalty System (JLS) and method for doing business disclosed herein are suitable for efficiently running and managing a junket business. JLS includes mediating many-to-many relationships (JMTM) and tracking, evaluating, and tracing transactions (TRET). The JLS also includes at least one of the following subsystems: 1) Junket Loyalty Management (JLM) subsystem, 2) Rewards and Loyalty for Dynamic Insurance Participation (RLDIP) subsystem, 3) Junket Customer Relationship Management (JCRM) subsystem , 4) Dynamic Insurance Participation (DIP) subsystem, 5) Junket Credit Management (JCM) subsystem and 6) Junket and Agent Reward Rating (JAR) subsystem.

It should be understood that the JLS may work in conjunction with any casino and/or other gaming establishments and facilities. For ease of description, casinos, entertainment establishments, or other gaming establishments and facilities are collectively referred to as entertainment establishments.

Figure 1 illustrates an embodiment of a method comprising a JLS 10 for operating and managing a business related to a brokerage. JLS 10 shown in Figure 1 includes the following:

· JMTM module 12 for providing relationship management between intermediaries, intermediary representatives, customers, appointed agents or collaborators; and

· TRET module 14, which is used to provide mechanisms to connect transactions conducted by customers, appointed agents, collaborators and intermediary representatives at different touchpoints, by continuously tracking and evaluating customer preferences and intermediary representative activities in real time accomplish.

Said JLS 10 may also include at least one of the following subsystems:

• JLM subsystem module 16 for providing a platform for enhancing customer loyalty. The JLM subsystem module 16 manages customer expectations and enhances customer loyalty by awarding loyalty points with rewards and incentives to establish a relationship between loyalty points and rewards. Junkets are unique in offering non-monetary rewards, such as loyalty points, derived from patron performance at gaming tables, gross profit margins, and frequency of use of services.

The RLDIP subsystem module 17 is used to manage insurance game data, such as the customer's betting game coins, lost game coins, winning game coins, customer losses minus the betting payment amount, the accumulated betting payment amount plus betting The amount of losses, each winning of the game coins paid out, and generating junket points equal to the loyalty points of the agent and the junket's customers.

• JCRM subsystem module 18 for gaining insight into customer preferences and requirements from customer data that is continuously collected, updated, and analyzed for effective and intelligent use and to achieve business strategies and goals. The JCRM subsystem 18 can help build and maintain customer loyalty by anticipating customer needs and providing a high standard of customer service.

• DIP subsystem module 20 for providing insurance options to customers according to a series of predetermined game rules and insurance payout ratios. As a result, patrons can manage their perceived risk of losing or winning wagers. The DIP subsystem 20 is also considered a side bet for a particular game.

• JCM subsystem module 22 for assessing and evaluating individuals, such as customers, designated agents, and/or collaborators. The evaluation includes a credit evaluation of the settlement obligation and an agreed time period for tracking the settlement obligation. The gaming habits and payment capabilities of each individual customer, designated agent, and/or partner are evaluated to establish appropriate ratings and rewards.

• JAR subsystem module 24, adapted to evaluate data collected by JLS 10 to calculate monetary rewards and non-monetary incentives. The JAR subsystem 24 operates through factor-based applications that take place before and after each game run.

Figure 2 illustrates one embodiment of a system for JLS 10 comprising an agency operations server 26 including a database server, a local area network (LAN) 28, a communication network 30, a main agency office system 32, a field notebook 34, a computing device 36 , portable storage device 38 and casino system 40 .

或Centrino^TM处理器的计算机或其它计算装置，所述计算机或其它计算装置适于与中介运营服务器26进行通信。任意数量和类型的装置可与计算机进行通信。通信网络30的一个示例是互联网。尽管中介运营服务器26优选通过互联网可访问，也可使用任何其它适用的通信网络，例如局域网、广域网或受限访问网络。主中介办公系统通过LAN28连接至中介运营服务器，运行JLS 10相关的应用。The brokerage management server 26 is connected through a LAN 28 and is connected to a communication network 30 . It should be understood that the junket operations server 26 may communicate directly or indirectly with other devices of the JLS 10 through any wired or wireless communication network 30, such as the Internet, LAN, WAN or Ethernet, token ring, telephone line, cable, radio channel, optical communication line, commercial online service provider, satellite communication link, or any combination of the above. Each device may itself include a computer or other computing device, such as based on

or Centrino ^™ processor computer or other computing device adapted to communicate with the junket operations server 26. Any number and type of devices may be in communication with the computer. One example of communication network 30 is the Internet. Although the junket operator server 26 is preferably accessible via the Internet, any other suitable communication network, such as a local area network, wide area network, or restricted access network, may also be used. The main intermediary office system is connected to the intermediary operation server through LAN28, and runs JLS 10-related applications.

The intermediary operations server 26 includes a database, eg, a relational database, an object-based model, and/or a distributed database, for storing and processing the types of data described herein. Additionally, some of the database may be stored locally on the device, such as a laptop. It should be understood that other storage structures than databases may be employed.

The field notebook 34 is a notebook computer. It should be understood that field notebook 34 may also be other devices configured to facilitate communication between plurality of computing devices 36 and junket operations server 26 over communication network 30 . The on-site notebook 34 can be installed in the entertainment place and communicates with the agency operation server 26 and the main agency office system through the communication network 30 . The field notebook 34 is operable by the operations manager and is an integral part of the operation of the JLS 10 at the entertainment venue. The field notebook is suitable for not only synchronizing game and non-game data with the junket operations server 26 but also working on-site with the main junket office system 32 to run the JLS application.

Computing device 36 includes a processor, display, computer-readable medium, and code configured to allow representatives to perform certain functions in real-time in the gaming area. As shown in FIG. 2 , multiple computing devices 36 communicate and synchronize with field notebook 34 . Computing device 36 may be a personal digital assistant (PDA). For example, a PDA may be used and operated by a junket representative at an entertainment venue. The PDA is suitable for processing game-related data, such as turnover information. Computing device 36 may include an automatic card image converter. Computing device 36 may include a voice input portion and codecs arranged to recognize speech. Computing device 36 may include a video camera. It should be understood that computing device 36 may be in any other form that works according to its functional principles.

A processor, such as one or more microprocessors, one or more microcontrollers, one or more digital signal processors, will receive instructions from, for example, a memory or similar device, and execute those instructions, thereby performing the One or more processes defined.

In addition, programs implementing the JLS method, as well as other types of data, can be stored and transmitted in a variety of ways using various media, such as the portable storage device 38 . In some embodiments, hardwired circuitry or custom hardware may be used instead of or in combination with some or all of the software instructions that may implement the processes of various embodiments. Thus, different combinations of hardware and software may be used instead of only software.

Various forms of machine-readable media may be involved in carrying data, such as a sequence of instructions, to the processor. The term "machine-readable medium" refers to any medium that participates in providing data (eg, instructions, data structures), which is readable by a computer, processor, or similar device. Such a medium may take many forms, including but not limited to, non-volatile media, volatile media, and transmission media. Non-volatile media include, for example, optical or magnetic disks and other persistent storage. Volatile media includes dynamic random access memory (DRAM), which typically constitutes main memory. Transmission media includes coaxial cables, copper wire and fiber optics, including the wires that comprise the system bus coupled to the processor. Transmission media can include or convey acoustic waves, light waves, and electromagnetic emissions, such as those generated during radio frequency (RF) and infrared (IR) data communications. Common forms of machine-readable media include, for example, floppy disks, floppy disks, thumb drives, hard disks, magnetic tape, any other magnetic media, CD-ROMs, DVDs, any other optical media, punched cards, paper tape, any other Patterned physical media, RAM, PROM, EPROM, FLASH-EEPROM, any other memory chip as described below, or any other computer-readable medium.

In one embodiment, data may be (i) transferred from RAM to processor; (ii) transmitted over a wireless transmission medium; (iii) according to various formats, standards or protocols, such as Ethernet or IEEE802.3, SAP, ATP, Bluetooth ^TM , and TCP/IP, TDMA, CDMA, and 3G formatting and/or transmission; and/or (iv) encryption to ensure privacy or prevent fraud in any of a variety of ways. The machine-readable medium may store various program elements in any suitable format for performing the JLS method.

Portable storage device 38 is provided in communication with computing device 36 . The business manager issues multiple portable storage devices 38 so that each junket representative or customer has one portable storage device 38 for recording and retaining transaction data such as turnover, buy-in, credit extension. The portable storage device 38 also allows encoding of a personal identification number (PIN) for security reasons. At least some of the portable storage devices 38 are configured to communicate with the computing device 36 . Alternatively, some portable storage devices 38 are arranged to communicate directly with communication network 30 (eg, the Internet). In one embodiment, the portable storage device 38 is in the form of a radio frequency identification card (RFID), which can be handled through the PDA interface for various purposes such as personal ID verification, turnaround, billing, insurance, and the like. It should be understood that the portable storage device 38 may have any other form that works according to its functional principles.

In one embodiment, an RFID card for a customer includes information about the customer's ID, trip ID, customer's nickname, credit line available to the customer, total insurance win/loss, credit rating, and loyalty points. The following turnover information is included in the customer's RFID card: the customer's brokerage representative's ID, the customer's transaction type, eg, turnover, buy-in, withdrawal, deposit, and the customer's transaction amount.

When using a customer's RFID card, the customer first enters his/her identification number, confirms some transaction such as a credit line down or cash out, and then opens his/her account to view his/her loyalty points or certain game data, For example turnover of trades or insurance participation win/loss etc. Customers can also view approved credit limits and current credit ratings.

The broker representative's RFID card includes information about the representative's ID, trip ID, broker representative's position, and broker representative's latest activity status, such as active, handover, settlement.

When using the junket's card, the junket first enters his/her identification number, which allows the junket to access certain information depending on his authorization level. The agency representative's RFID card also keeps a record of the agency representative's working hours. In addition, RFID cards also keep records of transactions performed, such as turnover, cash out, credit issued to patrons and settlements with patrons or casinos, among others.

In one embodiment, the RFID card is readable by a card reader connected to the computing device. The card reader has an illuminated display to confirm the transaction is complete. The computing device processes certain transaction records and these records are then written on the RFID card to overwrite previous records.

For example, Customer A has an approved line of credit of $500,000. When opening the account, Customer A decides to make an initial draw down of $300,000 from the available line of credit. The authorized intermediary representative makes a credit payment on the computing device by entering a value of $300,000 as the credit payment. The brokerage representative prepares $300,000 of non-convertible meter codes and hands them to customer A. Customer A verifies that the value of the received non-convertible meter code matches the amount displayed on the computing device and confirms the debit request and acknowledges receipt by holding his/her RFID card over a card reader connected to the computing device non-redeemable meter code and enters his/her PIN into the computing device. The intermediary representative then completes the payment using his/her RFID card. If the value of the non-convertible meter code received does not match the value on record or displayed on the display, then customer A obviously will not place his/her RFID card to enter his/her PIN.

When Patron A loses in the game, he/she may decide to request an additional payment of $150,000 from his/her available credit balance of $200,000, leaving $50,000 as a credit balance. This repayment process on the RFID card and computing device is similar to the initial payment process described above.

The casino system 40 is also accessible through the communication network 30 .

In one embodiment, a JLS 10 implementing the method described above enables parties to participate in a junket business from remote and/or mobile locations. JLS 10 may be implemented over a communication network such as the Internet, a cellular network, or a dedicated wireless and/or wired network. In one embodiment, JLS 10 operates to maximize the use of the Internet such that only communications between the junket operations server and the main junket office system are transmitted over the LAN, while other information, possibly encrypted, is transmitted over the Internet.

Multiple users can access a single JLS. Users access the system preferably through a computing device 36, such as a PDA. It should be understood that other devices, such as mobile phones, general purpose computers, minicomputers, etc. may also be used for communication. Computing device 36 transmits gaming and non-gaming information to and receives gaming and non-gaming information from communication network 30 . Information about junket operations is also transferred between the network 30 and the junket operations server 26 . The location of the junket operation server is not critical, however, it may be located near or away from the entertainment venue. As one example, the junket operator's operations manager may be located on the casino floor, while the notebook 34 may be physically within the geographic boundaries of the casino operator. However, as discussed, other possibilities exist for remote locations of the junket operations server 26, laptop 34, and operations manager. In one embodiment, for example, notebook computer 34 may serve as a redundant server.

Preferably, the software resides on the computing device 36 and the junket operations server 26 . Software resident on computing device 36 is preferably operable to provide information corresponding to the gaming and non-gaming related activities discussed herein to users, such as junket representatives and customers. The computing device software is also preferably operable to receive data from the junket operations server 26 and data entered by a user, such as a junket representative. The software resident on the junket operations server 26 is preferably capable of exchanging data with computing devices, accessing the on-site notebook computer 34 and portable storage device 38, and performing all of the functions described herein.

Gaming and non-gaming information transmitted over the network may include any information in any format that is necessary or desirable in the operation of the gaming experience in which the patron is participating. Information may be transmitted in whole or in combination in any format including digital or analogue, text or audio and according to any known or future transmission technology which may include for example wired or wireless technology. A network may include, for example, a local area network (LAN), a wireless network, a public switched telephone network (PSTN), or an Internet protocol (IP) network such as the Internet, an intranet, or an extranet. Examples of wireless technologies may include, for example, licensed or license-exempt technologies. Some specific technologies that may be used include, but are not limited to, Code Division Multiple Access (CDMA), Global System for Mobile Communications (GSM), General Packet Radio Service (GPRS), WiFi (802.1Ix), WiMax (802.16x), Public Switched Telephone network (PSTN), digital subscriber line (DSL), integrated services digital network (ISDN), or cable modem technology. It should be understood that other types of communication technologies are also within the scope of JLS10. Additionally, it should be understood that other components may be used for communication of information between the customer, the junket representative, and the junket operations server 26 . The other components may include, without limitation, lines, trunks, antennas, switches, cables, transmitters, receivers, computers, routers, servers, fiber optic transmission equipment, repeaters, amplifiers, and the like.

In some embodiments, communication of all or a portion of a customer's gaming and non-gaming information may occur without the Internet. However, in at least one embodiment, the intermediary operational information is transmitted via the Internet. Additionally, some or all of the patron's gaming and non-gaming information may be partially transmitted over the Internet channel.

It should be noted that the JLS 10 may be implemented in conjunction with any gaming environment or environment for any other activity, which may be conducted electronically. For example, the JLS 10 may be employed in conjunction with casinos in different locations/countries/jurisdictions, and include different types of games, such as slot machines, video lottery gaming terminals, or other gaming devices. A number of other scenarios can be envisioned where patrons can use the JLS 10 to engage in remote gaming while enjoying some other primary activity far from the entertainment venue.

JLS 10 is a comprehensive and transparent system for managing customers' incentives to continue to use a particular junket operator for program placement. As an independent agent, a junket operator is permitted to directly market and organize junket travel for patrons to play games at a casino and operate within the respective casino to serve its patrons.

Referring to Figure 2, the junket operator can act as a licensor to the casino operator, where the junket operator receives commissions and incentives for a certain level of turnover, among other services. The casino operator may provide a non-convertible meter to the junket operator, who in turn provides the casino operator with some form of security, such as a bank draft. When a customer reaches a certain level of turnover, the junket operator can offer the customer a rebate based on turnover. Rebates are deducted from the commissions the junket operator receives from the casino operator.

Intermediaries sell non-convertible denominations to customers on unsecured credit terms or in exchange for some form of security or collateral. When a customer places a bet at a gaming table, an entertainment establishment, such as a casino, retains non-redeemable credits when the customer loses. When the patron wins the bet, the casino pays the patron the chip count. Typically, patrons keep chip tokens and use up non-redeemable tokens at the gaming table. When the customer needs more non-convertible measurement codes, the customer can use the service of an intermediary to exchange the game currency measurement codes for non-convertible measurement codes. This is called "player turnover" or "player turnover". The junket operator can exchange play currency meter codes for non-convertible meter codes through the casino operator. This is known as "junker turnover" or "junker turnover". Thus, this allows non-convertible meter codes to flow to patrons and chip meter codes to flow to the casino operator.

Alternatively, an appointed agent or collaborator introduces customers to an intermediary and in turn receives an agent's commission from the intermediary. Appointed agents or collaborators may also request credit facilities from intermediaries. The designated agent or partner informs the intermediary of the credit limit for each individual customer and the agreed customer commission rate. Non-convertible metered codes are sold by a junket operator to introduced customers in an entertainment venue.

When the customer decides to stop the game and settle/close the account with the junket operator, the customer returns the non-convertible meter code and the game currency meter code to the junket operator and calculates the portion of the commission earned by the customer. If the patron returns more yards than he or she originally purchased from the junket, he or she may be considered to have won at the casino. The junket operator refunds the customer commission accumulated by the customer plus the amount the customer wins at the casino. If the patron returns fewer credits than he or she originally purchased from the junket, he or she is considered to have lost at the casino. The junket refunds the customer the customer commissions accumulated by the customer minus the amount the customer lost at the casino.

Net Losses to Customers at Casinos - Losses minus customer commissions collected by junket operators from customers. The intermediary collects said amount from the customer within a predetermined period of time. However, in some cases, if the customer fails to settle the payment, the intermediary needs to assume the debt. In one embodiment, the intermediary employs a debt collection agent to collect debts from customers.

Alternatively, when a customer is introduced by a designated agent or partner, the customer's net loss is collected from the agent or partner by the intermediary. The customer settles the outstanding debt with an agent or collaborator. The agent or collaborator settles their outstanding debts (if any) with the intermediary along with the agent's commission.

When the junket operator settles/closes the account with the casino operator, the non-convertible meter code and the play currency meter code are returned to the casino operator and the commission earned by the junket operator is calculated. If the junket returns more credits than the total credits purchased from the casino operator, the junket customer may be considered to have won at the casino overall. The casino operator pays the junket operator a commission plus the amount the patron wins overall. If the junket returns fewer credits than the total credits purchased from the casino operator, the junket customer is considered to have lost at the casino overall. The casino operator pays the junket commission less the customer's overall loss at the casino. The net loss, after taking into account the junket commissions earned by the lender, is collected by the casino operator from the junket operator.

The intermediary business provides the following services: 1) introducing or bringing customers to entertainment venues, 2) providing customers with game-related services, such as changing game codes from game currency codes to non-convertible codes, 3) providing Game unrelated services, and 4) provide insurance participation.

1) Introduce or bring customers to entertainment venues

Junket operators help casinos market trips to play. The junket is appointed by the casino and rewards the junket with commissions and incentives when customers introduced by the junket play games at the casino.

A junket operator not only introduces customers or brings customers to entertainment venues but also appoints agents or collaborators to bring customers to entertainment venues to ensure higher turnover and fulfill the target turnover set by entertainment venue operators. In turn, the appointed agent or collaborator shares a share of the commission earned by the intermediary. The appointed agent's or partner's share of the commission flows according to the turnover of the introduced customers.

2) Provide game-related services

A large part of the junket business is related to the junket's ability to arrange credit facilities for customers to meet their gaming needs. Credit facilities are generally provided based on each patron's gaming and non-gaming information, which is tracked by the JLS 10 system. Direct customers, direct introduced customers and direct casino customers receive credit facilities directly from the junket, while introduced customers may not necessarily receive credit facilities from the intermediary. Alternatively, the intermediary may grant a credit facility to the nominated agent or partner under some form of credit guarantee provided by the nominated agent or partner, which may include a deposit, bank draft, promissory note, personal Check or traveler's check, etc. The introduced customer is in turn granted a credit facility by the appointed agent and/or collaborator. Junkets provide credit facilities directly to customers based on structured and clear qualitative information on customers including occupation, income level, gaming ability, outstanding debts owed to other junkets or casinos and debt settlement history provided by JLS 10 .

Junkets also provide needed employees, such as junket representatives, in entertainment venues to serve customers. There are different levels of service personnel, from junior representatives and insurance receivers to controllers and operations managers.

The intermediary also helps customers to carry out cash transactions by exchanging game currency meter codes for game currency.

3) Provide services unrelated to games

Junkets also provide non-gaming-related services by partnering with and booking with various service providers such as airlines, hotels/resorts, restaurants, transportation companies, spas, and theaters. The intermediary settles with the service provider for products and/or services offered to customers through the service provider. This part of the services which usually constitutes about 5-10% of the total services provided by junkets includes room reservations, show tickets, restaurant reservations and sightseeing arrangements.

4) Provide insurance participation

The junket business also offers insurance participation, which provides patrons with side bets that allow them to control perceived gaming risk at the casino. Insurance participation is closely related to certain games where patrons are able to place side bets through a junket operator to reduce their potential losses. This service is provided not only to players/customers participating directly at the gaming table but also to others who are not betting on a specific hand at the gaming table.

Junkets earn two main revenue streams - commissions earned on turnover of customers; and revenues earned by providing insurance participation to customers.

Casino operators reward junket operators with commissions by marketing their venues and organizing junket trips. The commission earned by the junket is entirely dependent on the amount of game participation by customers, that is, the turnover of customers. Most of the commissions earned by intermediaries are returned to customers in the form of rebates and as incentives to agents or collaborators in the form of commissions.

By offering insurance participation to customers, the junket becomes a bookmaker's game against the customer for each insurance participation and potentially earns revenue on the insurance participation.

Below are two examples of income distribution for brokerage businesses.

Example 1:

Casino A1 licenses junket operator B1 with a base commission of 1.4% and an additional incentive or bonus commission of 0.2% if total turnover equals or exceeds $40 million. The intermediary B1 obtains the introduced customer C1 through the appointed agent or collaborator D1. When the total monthly turnover of referred customers is $55 million, the distribution of revenue in the brokerage business is as follows:

Junket B1 receives a base commission of 1.4% of the total turnover from Casino A1,

· Add: Miscellaneous expenses allowance, 0.2% of the total turnover;

· Plus: Incentive commission, 0.2% of total turnover, received from casino A1;

Minus: 1.0% of the total turnover is paid to the introduced customer C1;

Minus: 0.1% of the total turnover is paid to the designated agent or collaborator D1;

but:

○The net commission earned by intermediary B1 is (1.4%+0.2%-1.0%-0.1%)*$55,000,000＝$275,000

○The gross profit margin earned by intermediary B1 is (1.4%-1.0%-0.1%)*$55,000,000＝$165,000

The Miscellaneous Expenses Allowance covers expenses incurred in marketing the Broker's business and providing services to referred customers, including but not limited to airfare, meals and other accommodation or necessary expenses.

Example 2

Casino A2 licenses to junket operator B2 with a base commission of 1.2% and an additional incentive or bonus commission of 0.2% if total turnover equals or exceeds $40 million. Junket B2 can also be given a miscellaneous payment allowance of 0.2% of the total turnover, which is not redeemable for game currency. The junket operator B2 guarantees the direct customer C2 to play at the casino A2. Direct customer C2 deposits $500,000 with intermediary B2 for a $1 million credit facility. The direct customer C2 has turnover of $10 million. After settling the account with the intermediary B2, the direct customer C2 has lost $60,000 in the insurance participation and has an outstanding debt of $800,000. In this example, the income distribution is as follows:

The junket operator B2 receives a basic commission of 1.2% of the total turnover from the casino A2, including a miscellaneous fee payment allowance of 0.2% of the total turnover for non-redeemable game coins;

· Minus: 1.0% of total turnover discounted to direct customer C2;

Minus: when the direct customer C2 settles all outstanding debts incurred during this trip within a certain period of time, 0.1% of the total turnover of the direct customer C2 is discounted as an early settlement commission;

but:

○The gross profit margin earned by intermediary B2 is (1.2%-1.0%)*$10,000,000＝$20,000

○The net commission earned by intermediary B2 is B2 is (1.2%-1.0%-0.1%)*$10,000,000＝$10,000

○The net income of intermediary B2 is $10,000+$60,000＝$70,000

JMTM

Referring to Fig. 3, in one embodiment, JMTM module 12 defines intermediary person 42, entertainment place operator 44, designated agent or partner 46, customer 48, operation manager 50, intermediary representative 52, main controller 54, The organizational management relationship between the deputy controller 56, the insurance manager 58, the insurance receiver 60, the cashier 62 of the entertainment place, the insurance controller 66 and the person in charge of public relations 64. Operation manager 50, intermediary representative 52, main controller 54, deputy controller 56, insurance manager 58, insurance receiver 60, insurance controller 66, financial controller 80, assistant financial controller 82, accountants 110 and public Relationship principals 64 are junket employees.

JLS10 requires a clear organizational structure to provide a trusted, transparent and reliable system to carry out all aspects of intermediary business. As with financial transactions involving patrons 48, designated agents or collaborators, junket operators, and casino operators, confidentiality and security are important to junket operations to ensure that all transactions by properly authorized junket representatives 52 are conducted through Conducted by an appropriate internal control system; including a checks and balances structure for organizing the intermediary's operations based on the audit principle of segregation of responsibilities. The checks and balances structure divides management responsibility and risk management functions and responsibilities. It helps to provide efficient intermediary business operation.

In one embodiment, an authority matrix is included in the portable storage device 38 of the broker representative 52 that specifies different levels of authority according to the division of duties and principles of responsibility/balance for the broker representative 52 to conduct transactions. Also, in another embodiment, when a customer 48 is to perform a particular transaction, such as cashing out or drawing a line of credit, he/she is required to enter a PIN into a computing device 36, such as a PDA, via a portable storage device 38, such as an RFDI card, to confirm the transaction.

JMTM 12 includes operations managers 50 who each lead an intermediary group. The operations manager 50 is in charge of all aspects of the junket business at the entertainment venue. The operation manager 50 is considered to be the leader of the operation of the intermediary group. Typically, the operations manager's 50 responsibilities include handling on-site inquiries, resolving disputes, making record adjustments to correct any entry errors, verifying customer 48 credit with designated agents or collaborators 46, extending limited credit directly to customer 48, Seek approval for higher credit from nominated agent or partner 46 or junket 42, adjust customer's total spend absorbed by junket 42, assign appointments and job responsibilities to junket representatives 52 and determine margins for specific junket trips to casinos and losses.

The operation manager 50 is also responsible for managing intermediary representatives 52 at different levels and assigning tasks and responsibilities according to specific travel business needs. In addition to ensuring a high level of customer service standards, the Ultimate Operations Manager 50 assumes full security responsibility and overall responsibility for all other junket representatives and controllers on his or her team.

The junket representative 52 facilitates the turnaround by exchanging the chip meter codes for the customers 48 into non-convertible meter codes. The junket representative 52 balances and closes the customer's account during the travel process. They are basically responsible for providing all the necessary game-related services that customers 48 require. The game-related services include but are not limited to the following services:

·Turnover - exchange game currency measurement codes for customers into non-convertible measurement codes;

· Patron Monetization - Converting play money tokens to play money for patrons from their respective floats or from casino cashiers;

• Customer Credit Request - Submits a credit request for a customer to a designated approving agency. In most cases, the Operations Manager is the designated approver;

Patron Trader/Checker Change Request - Submit a Dealer/Checker Change Request to the casino operator on behalf of the patron;

Other Requests - Submit any other requests for the patron at the gaming table for the patron's convenience;

The primary controller 54 is entrusted with funding requirements, including the initial purchase of cash advances, game coins and promissory notes. The main controller 54 distributes metering codes and game coins to the sub-controller 56 and distributes game metering codes including game coin metering codes and non-convertible metering codes to the intermediary representative 52 . During the settlement process, the main controller 54 collects all the metering codes to settle with the cashier 62 of the entertainment venue. The main controller 54 is responsible for summarizing the results of each game trip to determine the win/lose status of each customer 48 for each trip. The main controller 54 is mainly responsible for obtaining sufficient funds to meet the daily operating needs of the intermediary business. They are required to monitor the amount of play money and/or play gauge floats per and per sub-controller.

The sub-controller 56 is a person who holds game coins and game metering codes as a custodian in the entire business process except until settlement. The responsibilities of the sub-controller 56 include providing expedited service to customers 48 . For example, when a customer 48 needs to redeem their meter codes but the junket representative 52 does not have the required amount or denomination, the sub-controller 56 facilitates the redemption of meter codes, including non-convertible meter codes or playing chip meter codes. In the settlement process, all game meter codes held by the sub-controller 56 are handed over to the main controller 54, and the sub-controller 56 in turn fully controls the operation of any game coins, checks and promissory notes. The sub-controller 56 acts as an intermediary between the customer 48 and the primary controller during settlement, wherein they are required to take care of all float on hand and be accountable to the primary controller 54 .

The insurance manager 58 is responsible for determining the profit and loss of insurance participation in mediated travel. The insurance manager 58 is considered to be the person in charge of the insurance engagement operation. In insurance participation, the options offered to the customer 48 are predetermined. It can be seen as the responsibility of the insurance manager 58 to ensure that proper processes are maintained and options are actually exercised by the customer 48 . Insurance managers 58 help ensure correct and smooth insurance engagement operations, including resolving disputes during the engagement process. The insurance manager 58 also helps the operation manager 50 to handle other intermediary operations when needed.

The insurance taker 60 solicits and offers the customer 48 insurance participation and obtains insurance wagers from the customer 48 . Insurance taker 60 provides consistent option payout ratios calculated by program instructions that calculate customer 48's risk of winning or losing. In addition, the insurance takers 60 are responsible for the coins/gaming tokens in their respective hands and to the insurance manager 58 . Insurance taker 60 is also responsible for ensuring that all options made by customer 48 and their results are fully reflected in the partial profit and loss statement when payout ratios are booked. The insurance receiver 60 collects and pays according to the provided option payout ratio and participation result.

The insurance controller 66 checks the capital account of the insurance participation and the status of the game currency float. In addition, the insurance controller 66 is required to determine the status of the joint venture accounts and coordinate these accounts between the brokerage customer 48 and the insurance taker 60 .

The financial controller 80 is the main financial person in charge of the junket business, and the financial controller 80 works with the assistant financial controller 82 to manage the financial aspects of the junket business. Accounting staff 110 supports assistant financial controller 82 by collecting payments from customers and maintaining ledgers for brokerage operations.

A public relations officer 64 handles non-gaming related needs of customers 48 . They are the ones who provide extra services to ensure a high level of customer 48 satisfaction. The public relations officer 64 acts as the on-site customer service relationship manager for the intermediary 42 . They are also responsible for settling the incurred expenses with the respective casinos and subsequently recovering said incurred expenses from the patrons.

Each junket employee is issued a portable storage device 38, such as an RFID card. Each portable storage device 38 is tagged with a role and authorization level in JSL10. For example, since an intermediary representative 52 is not permitted to assume the role of insurance taker 60, the portable storage device 38 issued to a particular intermediary representative 52 is coded to only perform relevant functions for insurance participation.

JMTM12 provides defined roles in the intermediary business. Together with TRET 14, JMTM 12 enables service requirements to be met in a structured, secure and securely controlled manner to reduce the likelihood of error or fraud/collusion while increasing operational efficiency.

TRET

Referring to FIG. 4, the TRET module 14 provides the structure for linking all transactions conducted by the customer 48, the appointed agent or collaborator and the intermediary representative 52 at various touchpoints. This is achieved by continuously tracking, updating and evaluating the behavior and preferences of customers and agency representatives.

As shown in FIG. 4 , a data summary 72 of a customer, an appointed agent, or a partner and transaction data 74 including turnover and settlement, etc. are assembled and stored in the brokerage operation server (database) 26 . Data/information 72 and 74 is collected at step 68 by the JCRM, which is the interface between the TRET module 14 and the JCRM module 18 . The data/information 72 and 74 are evaluated at step 70 by the JAR, which is the interface between the TRET module 14 and the JAR module 24 . Data/information 72 and 74 are used by JLM module 78 , which is the interface between TRET module 14 and JLM module 16 .

The TRET module 14 provides basic business-to-business-to-customer (B2B2C) solutions. It provides a mechanism for the intermediary 42 to be able to keep track of: 1) all information about the members involved in the intermediary's operations, including customers 48, appointed agents or collaborators 46, and 2) all transactions, including turnover, settlement etc., evaluating business opportunities for strategic business development. For example, TRET module 14 may perform one or more of the following functions:

· Track and trace the identity of customers and designated agents and collaborators;

· Track customer gaming preferences;

Track customer preferred services and service expectation levels;

·Track customer gaming habits;

· Evaluate turnover in relation to individual customers, appointed agents or collaborators and/or entertainment venues;

Assessing needs and preferences as a basis for building loyalty with customers, designated agents, or collaborators;

·Track and reward customers according to the established plan, designate agents or partners, so that they patronize to increase their loyalty;

·Track and drive target marketing activities.

The TRET module14 provides B2B2C solutions by taking a "cross-border approach", which means applying the TRET14 methodology throughout the JLS. Through the TRET module 14, each transaction made by a customer 48 can be completed through a portable storage device 38, such as an RFID card, and a computing device 36, such as a PDA, in a completely secure and transparent manner. As a result, a complete transaction history is available to anyone with access to this information.

As shown in FIG. 4, in one embodiment, an account is established for each customer 48 in which details of each and every activity are recorded and tracked, for example, amount wagered at a casino, amount of credit limit met, credit Amount of payment, amount of insurance participation purchased, commission/discount earned, smoking/non-smoking room preference, dietary preference, etc. The information is converted into transactional data and transmitted to the junket operations server 26 for analysis, evaluation and marketing purposes. As a result, the analysis and evaluation of transaction data provides the basis for the operation of the JLM and RLDIP subsystem modules 16,17.

In one example, a customer 48 logs into his or her personal account through a web portal and makes an inquiry to reserve a room for a specific date at the casino resort. The customer 48 indicates his or her preferences, such as smoking rooms, gaming table requirements, and preferred gaming table restrictions and credit terms requirements, among others. After the JLS 10 provides information in response to the inquiry, the customer 48 accepts the terms of the order. All details are logged into the JLS 10 and the request is sent to the relevant operating unit of the intermediary 42 . Once at the casino resort, the customer 48 is then provided with the desired services.

When a customer 48 registers his or her gaming activity, a portable storage device 38, such as an RFID card, is issued to the customer 48, labeled with approved available credit terms and approved non-convertible meter code values. After the customer 48 begins wagering at a predetermined gaming table and rolls over his or her non-convertible credits, the casino pays the customer 48 the chip credits for each winning hand. The customer 48 accumulates chip codes and redeems the chip codes through the junket representative 52 for an equivalent amount of non-convertible codes.

During the settlement process, i.e. the closing of the gaming account, after taking into account the initial buy-in, credit withdrawals, commission discounts accumulated by the customer 48, metered credits returned and non-game expenses such as hotel expenses and meals incurred, The computing device 36 is used to establish the due chip amount collected from the customer 48/due chip amount given to the customer. Information on all these activities is transmitted from the computing device 36, such as a PDA, to the database of the junket operations server 26 for ratings and evaluations.

JLM subsystem

Referring to Figure 5, the JLM subsystem module 16 is a platform for enhancing customer loyalty. The JLM subsystem module 16 manages customer expectations and fosters the relationship between loyalty points and rewards by giving rewards and incentives according to loyalty points to increase customer loyalty. The JLM subsystem 16 is unique to the junket operator 42 in that it provides non-monetary rewards, such as loyalty points for customer performance at the casino, gross profit margin, and frequency of use of the service; and, based on non-purchase Or performance consideration - loyalty points awarded for frequency of visits to the intermediary's website. As shown in FIG. 5, loyalty points 92 are awarded based on an evaluation of performance (turnover) 84, purchase (prepayment buy-in) 86, outcome (early settlement of debt) 88, and frequency (e.g., continued use of the service). or intermediary web portal services)90. Loyalty rewards 96 are calculated based on loyalty points 92 and gross profit margin 98 . Loyalty rewards 96 are implemented and updated for each customer using loyalty rewards 94 .

To award loyalty points to customers 48, the following five factors are considered:

· Turnover of specific customers,

• Prepaid buy-ins, where prepaid buy-ins are game currency or credits provided by customers through the junket to enroll in the junket program.

· Early settlement of outstanding debts

· frequency of use of intermediary services, and

· Frequency of use of intermediary web portals and/or visited websites.

Loyalty rewards for JLS10 are provided based on gross profit margins, which are approximately 30% of the total turnover of the non-insurance participating segment.

Loyalty points are used as a tool to increase customer loyalty and increase repeat visits. Loyalty points are cumulative. Additionally, loyalty points are visible and transparent. Additionally, different levels of point conversion rates are available for loyalty point redemption. Customers 48 may redeem all or part of the loyalty points at any point in time. The JLM subsystem 16 calculates rewards and target incentive commissions.

The JLM evaluation process would involve the JLM subsystem module 16 using the "cross-boundary approach" to evaluate data aggregated from different touchpoints using the TRET module 14 .

The junket 42 pays out monetary incentives in the form of junket fees based on a predetermined commission rate multiplied by the turnover of the specific brokered trip for the agent 46 and customer 48 . The junket operator 42 also pays monetary rewards based on one or more ratings of net turnover achieved by the agent 46 and the customer 48 and this is referred to as a junket bonus.

The examples below explain how junkets or junket bonuses are used and how they are represented in an operating environment.

Example 3

assumptions:

Casino commissions to junkets42 1.6% intermediary 42 to agent 46 1.3% Intermediary 42 to customer (direct) 48 1.1% Monthly target of level 1 agent 46, 50 million < 80 million, additional 0.1% Monthly targets for tier 2 agents 46, 80 million and higher 0.1% Tier 1 customer (direct) 48 monthly target, 20 million < 30 million, additional 0.2% Monthly target for Tier 2 customers (direct) 48, 30 million and higher 0.1%

For purposes of illustration, if the agent 46 and customer 48 achieve gross turnover in excess of 80 million and 30 million respectively, the percentage of bonus commission for the agent 46 would be an additional 0.2% (0.1% + 0.1%) and at 1.3 % equal to $160,000 (80,000,000*0.2%) intermediary bonus and equal to $1,040,000 (80,000,000*1.3%) intermediary bonus, and customer 48 receives an additional 0.3% (0.2%+0.1%) in addition to 1.1% (intermediary bonus equal to $90,000, and the commission equals $330,000).

The above assumes that the customer 48 transacts directly with the intermediary 42 and not through an agent 46 .

Regarding the brokerage credit, it is distributed to the customer 48 who transacts through the broker 46 or directly through the broker 42 .

The intermediary point cost quota will be Y% of the intermediary's gross profit and be Y$.

For customers 48 who deal directly with the intermediary 42, the weighting is as follows:

credit terms customer

(i) Intermediary points - conversion factor (up to 60% of Y$)

A performance value referred to as the "commercial value" is determined by dividing the turnover by the credit structure per trip, ie, dividing the customer's turnover by the customer's approved credit amount. The discounted value provides a meaningful readout that allows intermediaries to assess risk and reward. For example, if Customer A and Customer B each have a $300,000 credit facility with an intermediary, and Customer A and Customer B generate monthly turnover of $5 million and $10 million respectively, this would give Customer A 16.66 and Customer B 33.33 Converted value. Of the two discounted values, customer B is preferred because given the same credit risk, customer B generates a higher turnover for the intermediary, $300,000 in this case.

A predetermined set of conversion factors can be obtained by using the conversion values and referring to Table A (Conversion Factors). Approved credit as used herein to describe the term "conversion factor" means the total amount of credit approved for use. Whether or not the customer uses the full authorized amount is considered by the intermediary as a risk factor. For example, if the approved amount is $500k but only $300k is used during the trip, $500k will be used to determine the discount factor.

(ii) Intermediary points - payment factor (up to 30% of Y$)

Under this scheme, payment by the customer 48 before due is more beneficial. Scheduled payments can be found in Table B (as payment factors).

(iii) Intermediary points - regular user factor (up to 10% of Y$)

This factor is easily derived by dividing the number of bookings through the Internet portal by the total number of travel arrangements.

Table A (Conversion Factor):

Converted value 1＞2 2＞3 3>4 4＞5 5＞6 6＞7 7＞8 8＞9 9＞10 10＞ Conversion factor 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.9 1.0

Form B (payment factor):

Note: D means the due date. Explanation of D-1: One day before the due date

Game Currency Terms Customers:

(i) Intermediary points-game currency factor (up to 90% of Y$)

The chip factor is a predetermined set of values versus chip buy-in, as shown in Table C.

(ii) Intermediary points - frequent service user factor (up to 10% of Y$)

For the frequent user factor, see the explanation above.

Table C (game currency factor)

For a customer 48 transacting through an agent 46, the weighted distribution may be as follows:

(i) Intermediary points - turnover or turnover factor (up to 90% of Y$)

Owing to be to be financed by agent 46, in the reward of intermediary point, no longer count in customer 48 to pay, game currency buys and conversion factor. A high turnover person should be rewarded with Junket Points to maintain his or her loyalty to the Junket 42 . See Table D for turnover and turnover factor.

(ii) Intermediary points - frequent service user factor (up to 10% of Y$)

See the same explanation above

Table D: (Turnover or Turnover Factor)

Circulation (100,000) 1＞2 2＞3 3>4 4＞5 5＞6 6＞7 7＞8 8＞9 9＞10 10 turnover factor 0.1 0.2 0.3 0.4 0.5 0.6 0.7 0.8 0.9 1.0

Based on all the assumptions in the example, a scenario for better understanding how each of these factors may play a role in generating the mediation score was generated.

Four customers 48, "A", "B", "C" and "D" make their first casino junket trip that month. Customers "A" and "B" participate using game coins, and "A" deals directly with the junket 42, while "B" deals with the agent 46Z. Customers "C" and "D" participate using credit, and "C" transacts directly with intermediary 42, while "D" transacts with agent 46Z.

Assuming the Junket 42 allocates 20% of Gross Profit (GP) to Junket Points, Table E summarizes the corresponding rewards and loyalty points:

Form E:

Note: F-M = advance payment, N-T = net turnover of the trip, F-U = regular user, Y = booking via Internet portal, N = manual booking, non-Internet portal booking. J$ = junket money, Jb$ = junket bonus, GP = gross profit, Y$ = Y% of GP, and JPts = junket points.

Assume all customers are not delinquent (win). In this example, so no one loses at the end of the game trip, there are no outstanding debts.

For Jb$, GP, Y$ and JPts, it will be calculated at the end of each month.

For example purposes, the numbers for Table E are based on travel.

As shown in Table E, customer 48 "A" is a direct customer of junket operator 42 and has traded in $100,000 in chips. At the end of the trip, "A"'s turnover is $500,000. "A" books an intermediary trip through an internet portal. The brokerage fee received by "A" is $5,500 {circulation x commission (1.1%)}. However, "A" has no intermediary bonus, and if the accumulated turnover reaches or exceeds the monthly turnover target, Jb$ can be rewarded because it can be accumulated until the end of the month. Junket 42's gross profit from "A" is $2,500 (1.6% - 1.1% = 0.5%, which is 0.5% x 500,000). Calculate Y$500 (2,500*0.2) by 20% of gross profit. Award 500 intermediary points. As shown in Table C, the game currency factor is 1.0 (90% of Y$), and the regular user factor is also 1.0 (10% of Y$), therefore, "A" deserves 100% of the amount Y$, in this In the case it is 500 points.

Customer 48 "B" is a customer of agent 46Z and buys in $100,000 in chips. At the end of the trip, "B"'s turnover is $600,000. "B" Manually Book Brokered Travel. The intermediary money of "B" is transferred to the account of the agent 46Z, so "B" will claim it from the agent 46Z when the intermediary settles with the agent 46Z. The intermediary fee paid to the agent 46Z is determined based on the transaction amount of "B", which is $7,800 (circulation x commission - 1.3%). Agent Z's intermediary bonus is $1,200{600,000x(0.1+0.1)%} - the cumulative turnover of "B" and "D" is higher than the monthly turnover target of 80 million. The gross profit earned by the junket operator 42 from the agent 46Z is $600 (1.6% - 1.5% = 0.1%, which is 0.1% x 600,000). Y$120(600x0.2) is 20% of gross profit. The junket points awarded to customer "B" are 108 points. As shown in Table C, the game currency factor is 1.0 (90% of Y$), and the frequent user factor is 0, so the due amount for the junket point "B" is 108 points {1.0x (90% of 120) }.

Customer 48 "C" is a direct customer of Junket 42 and has been given an advance credit facility of $5 million. At the end of the trip, "C"'s turnover was $35 million. "C" Manually book mediated travel. "C" received a brokerage fee of $385,000 (flow x commission - 1.1%). The intermediary bonus for "C" is $105,000{35m x (0.1+0.2)%} due to the achievement of the monthly turnover target. Junket 42's gross profit from "C" is $70,000 (1.6% - 1.1% - 0.2% - 0.1% = 0.2%, which is 0.2% x 35 million). Y$14,000(70,000*0.2) is 20% of gross profit. Pass: conversion value=7x(35 million/5 million) to award 5,880 intermediary points, and by referring to Table A, the conversion factor is 0.7. Therefore, the 60% (weight) x 0.7 conversion factor (0.6x14,000x0.7) of Y$ is 5,880 points, and the regular user factor is zero.

Customer 48 "D" is a customer of agent 46Z and has been granted an advance credit facility of $10 million. At the end of the trip, "D"'s turnover was $85 million. "D" Book agency travel through an internet portal. The intermediary money of "D" is transferred to the account of the agent 46Z, so "D" claims from the agent 46Z when the intermediary settles with the agent 46Z. The brokerage fee paid to agent 46Z for the transaction under "D" is $1,105,000 (85 million in circulation x commission - 1.3%). Agent 46Z's intermediary bonus is $170,000{85mx(0.1+0.1)%} - the accumulated turnover is higher than the monthly turnover target of 80 million. The gross profit obtained by the intermediary 42 from the agent 46Z is $85,000 (1.6%-1.5%=0.1%, which is 0.1% x 85,000 million). Y$17,000 (85,000x0.2) is 20% of gross profit. The junket points awarded to customer "D" are 17,000 points. As shown in Table D, the turnover factor of turnover is 1.0 (90% of Y$), while the frequent user factor is 1.0 (10% of Y$), therefore, “D” should get 100% of Y$, in this case Medium is 17,000 points.

The above examples and scenarios explain how factors such as payouts, discounts, frequency, and turnover factors affect the way loyalty points or junket points are awarded to patrons 48 . The tables are listed not only for explanatory purposes but also to explain the logic of how these factors are used to generate mediation scores. Intermediary credits may not only be limited to customers 48 (whether direct or indirect), but may apply to agents 46 as well. Software programming logic can be implemented in place of simple tables so that a wide range of options is available. Any one or combination of factors can be used to generate referral points for direct or indirect customers 48 and even agents 46 .

JCRM subsystem

The JCRM subsystem module 18 is adapted to gain insight into customer data, which is continuously collected, updated, and analyzed for effective and intelligent use, and to implement business strategies and goals. The JCRM subsystem module 18 helps retain customers 48 by anticipating and meeting customer needs and providing high standards of customer service. The JCRM subsystem module 18 collects data from one or more of the following contacts:

· Intermediary 42 web portal (for booking inquiries, account inquiries, etc.)

·Intermediary representative 52/controller/operation manager 50

·Designated agent or collaborator46

·Customer Contact CenterCustomer Service Center

·Entertainment 44

Affiliate program center, a partner program operated by a third party for loyalty points exchange/redemption, e.g. exchange of intermediary loyalty points for air or show tickets or limousine transfers, etc., where the agreed loyalty is pre-established The conversion rate of degree points to currency value.

·Other third-party contact centers

In addition, the JCRM subsystem module 18 includes a web portal to serve multiple levels and types of customers.

The relevant information used in the JCRM module 18 includes the following information:

· Customer profile (e.g. full name, contact/email address, age, occupation, passport details, etc.)

· Family profile (e.g. family members, age, school, spouse's occupation, etc.)

· Travel habits and preferences (e.g. modes of transportation, meals, hotels, frequency of visits, etc.)

Leisure activities (e.g. hobbies, sports, etc.)

Gaming preferences (e.g. game type, min/max wager, preferred casino 44, etc.)

· Financial overview and historical transactions (e.g. average insurance participation bets, credit facilities/terms, win/loss results, repayment history, historical turnover amounts, etc.)

DIP subsystem

Referring to Figure 6, in one embodiment, the JLS may include a DIP subsystem module. The DIP subsystem module 20 is adapted to provide the customer 48 with the option of insurance participation according to a predetermined set of game rules and insurance payout ratios. As a result, patrons 48 can manage their perceived risk of losing or winning wagers. DIP subsystem 20 also provides bonus points to customers 48 to enhance customer loyalty. DIP subsystem 20 may be thought of as a side bet for a particular game session. Additionally, insurance participation may also include a profit-sharing joint venture structure between the intermediary 42 and a designated agent or partner 46 , or between the intermediary 42 and the customer 48 . Through the intermediary loyalty system 10, customers 48 may be more willing to participate in insurance participation transactions.

As shown in FIG. 6 , the cards (table, hand & shoe numbers) are exposed in step 100 , resulting in a payout 102 . The DIP outcome & settlement 108 is determined by the payout odds 102, the player's respective wager amounts 104, and game results 106. DIP Results & Settlement 108 is also used in the RLDIP subsystem 17 to assess customer loyalty.

In one embodiment, the DIP subsystem modules include an intermediary operations server 26, a computing device 36 comprising processes and a machine-readable medium storing a program that, when run, causes a processor to execute at least some of the processes, and a portable storage device 38 . Accordingly, the junket operator 42 provides insurance participation or side bets to its patrons 48 by operating the DIP subsystem module by offering the option to wager on one or more aspects of a player's or another patron's participation in the game. Insurance participation helps increase turnover and thus revenue for the junket business and gives patrons 48 some control over game participation so that patrons 48 can reduce the risk of losing their bets through insurance participation.

In one embodiment, wagering may be directly related to whether one or more specific gaming events occur, such as a player wins. In an alternative embodiment, wagering may be related to a collection of events, for example, whether the total amount won by a customer 48 at the casino today is greater than the total amount won yesterday.

If the game is a poker game, the customer 48 may bet on any or all of: a) which card is the next card to be turned up; or b) what the outcome of the hand is, e.g. Player wins, player loses, tie, player A will have a better hand than player B, customer 48 will have a better hand than player A, etc. The hand may be the same player over a period of time or a group of players, for example, betting against the dealer on the sum of all current blackjack players to determine whether more players win than lose.

Furthermore, there may be several such bets during the course of a hand. For example, there may be an initial bet before the customer 48 knows his or her cards, and another bet when the customer 48 knows his or her cards but all of the dealer's cards have not yet been revealed. If the game is a slot machine, the customer 48 may place a wager that a particular pattern of symbols will be displayed after pulling the slot machine. If the game is a roulette game, the customer 48 can wager that the outcome is a specific number or that a set of numbers will be hit.

In some embodiments, betting can be placed on the outcome of a gaming event opposite the outcome of the gaming event on which the wager is placed, for example, a customer 48 can place a wager on a specific gaming event that will occur, but receive payment if the gaming event does not occur .

Insurance participation may be offered through any wired or wireless JLS.

In one embodiment, the DIP subsystem module 20 may include a computer processor capable of providing insurance play or side bets for any poker game, such as baccarat, blackjack, pontoon, poker, etc. , by calculating the probability of winning or losing a specific hand based on the hands that have been opened. The programming logic would include the rules for that particular poker game, such as Caribbean Hold'em, Baccarat, Blackjack, Aussie Hold'em, Jack of Thrones, Three Card Poker, Spanish 21, etc., where insurance participation or side bets are offered.

A computer program will be designed for the general purpose poker processor to calculate the risk of losing or winning for a patron of a particular game session by a computing device 36, such as a PDA, executing the programmed instructions. The program instructions may include instructions for calculating predetermined payouts, wagers and performance values associated with game sessions.

The computer program may also include keeping track of the cards drawn from the shoe and exposed to deduce the remaining cards remaining unexposed in the shoe to calculate the next card drawn based on the remaining cards remaining in the shoe Possibility to calculate predetermined payout ratios, bets, and performance values associated with game sessions.

Depending on the rules of a poker game such as baccarat, first exposing either the dealer's card or the player's cards may provide an insured participation to the player who wagered on that particular poker hand or anyone else who did not wager on that particular poker hand. Players who wager on a particular poker hand or anyone else who does not wager on a particular poker hand are collectively referred to as "customers" as long as they wager on at least an insurance participation. The value of the cards is entered into a computing device 36, such as a PDA, to display the payout odds. Payout ratios are proposed and accepted or rejected. When a payout ratio is accepted, the insurance participation calculates the insurance win/loss when the next card is turned up. By definition, a player's card is the card that is drawn from the shoe and dealt to the player depending on whether the player bets on the player or banker.

In an alternative embodiment, insurance participation is provided in the game of blackjack. The rules of blackjack call for the player's cards to be turned over before the dealer's card. The computing device 36 "reads" the value of the player's cards turned up and displays the payout odds. Insurance participation is then provided to the "customer." Insurance participation is also provided to the "customer" when the dealer card is turned over.

It should be understood that other card games such as Micro Baccarat, Medium Baccarat, Mega Baccarat, Caribbean Poker, Blackjack, Spanish 21, King of Cards, Three Card Poker, Aussie Poker etc. are also provided Insurance participation in which the card values are entered using different methods such as a card reader that reads the playing cards drawn from the shoe, voice recognition, visual recognition or manual input into a computing device 36 such as a PDA or the like.

Likewise, a computing device 36, such as a PDA, a portable storage memory device 38, such as an RFID card, and an encoding of programmed instructions may be used to determine the customer's 48 credit limit.

DIP can be offered to anyone, regardless of whether any patron 48 wagers on a particular poker game.

Anyone can participate in DIP in a casino or online in a live interactive gaming environment through the Internet.

As part of the JLS 10, along with the various games, the DIP subsystem module 20 is operated by a junket 42. As shown in FIG. 6, in one embodiment, the insurance play is combined with the game of baccarat and is referred to as the baccarat insurance play (BIP). The BIP is an option offered by the junket operator 42 to the customer 48 to reduce the perceived risk of losing or to dilute the win at the baccarat table.

The BIP evolves around a structural scheme based on the cards drawn/turned over on the game table. There are also possible risk management options for the customer 48 based on which cards are nearly turned over by the customer. These drawn and flipped/near flipped cards result in certain predetermined payouts, and risk reduction options may be offered to patrons 48 for wagering.

Alternatively, a different joint venture structure between the junket operator 42 and the designated agent or partner 46 or even the customer 48 / the bettor itself is used for the DIP subsystem module 20 . Partners want to increase returns while maintaining the same level of risk (credit facility). For customer 48, he wishes to hedge the winning or losing status of the casino versus the BIP. In this way, intermediary 42 and appointed agent or collaborator 46 can share the profits and risks in BIP operations. The joint venture can be pre-established before the game starts or before the game tour and can last for the same duration as the game tour. Typically, a maximum amount is set to limit joint venture operations. The joint venture structure is generally unknown to the customer 48 and dictates the final profit/loss for all payout options wagered by the customer 48 after the customer 48 decides to stop playing.

The BIP is either provided orally and then entered into a computing device 36, such as a PDA, or directly into a computing device 36, such as a PDA, to generate a predetermined payout ratio. Computing device 36 may include a voice input portion and code configured to recognize speech for interaction with the user's speech. Computing device 36 may display prompts on a display of computing device 36 related to the customer's risk of winning or losing. Advantageously, many calculations such as win/loss risk and payout ratios are performed in real time. Accordingly, computing device 36 may have memory storing predetermined payout ratios associated with game play and instructions for a method comprising determining current payouts associated with game sessions based on the predetermined payout ratios Ratio, determining the bets placed by the customer 48 during the gaming session, determining the performance value of the customer 48 relative to the participation history of the customer 48, and calculating the customer's risk of winning or losing from the predetermined payout, wager, and performance value. The current payout ratio can thus be calculated and managed at a predetermined payout ratio based on the turned/almost turned-up cards during game play.

For example, in the game of baccarat, BIP can be provided in two ways. A quick BIP is defined as the existence of two or more patrons 48 betting on the same hand of a BIP match game with the same payout offered. A slow BIP is defined as a customer 48 betting on a BIP through the insurance taker 60 in charge of the customer 48 .

Both the fast BIP and the slow BIP use a computing device 36 such as a PDA that includes specific software applications.

In Quick BIP, the insurance taker 60 initially accepts the BIP bet verbally and then enters it into the computing device 36, and the outcome of the BIP bet is recorded on the portable memory storage device 38, with the win/loss distributed to each customer participating in the BIP game 48.

As shown in FIG. 7 , in one embodiment, insurance participation begins in a start step 112 . In step 114, the odds and bet amount are entered, which are then verified by the receiver in step 116. Then in steps 118 and 120, the game result and table, hand (innings) and shoe numbers are obtained respectively. After each stake is captured in step 122, the customer's portable memory storage device 38 is verified in step 126 or treated as a guest in step 128 depending on whether the customer has a portable memory storage device 38 in step 124. After all customers have been processed, a summary is generated in step 132 and insurance participation ends in step 134 . In one example, three customers X, Y, and Z participate in a BIP game and wager $200, $500, and $600, respectively, at a payout ratio of 1:4. Before the outcome of the baccarat game is known, the insurance taker 60 will enter $1,300 as the total BIP bet collected. When the outcome of the baccarat game is determined, the BIP betting outcome is displayed on the display of the computing device 36, such as a PDA, accordingly. The customer 48 wins the baccarat game and thus loses the BIP bet placed by the customer. The insurance taker then distributes the BIP bets to each customer's portable memory storage device 38 as a lost bet.

In another embodiment, three customers 48A, B, and C place wagers on the baccarat game. All three customers 48 decide to bet on the house. The customer 48 who placed the highest bet (we assume Customer A) has the privilege of pinching. The casino dealer passes the banker's card to customer A, and A pinches a card with a total of 8 points. When the playing cards of the player grid have not been turned over, the insurance collector 60 provides a BIP option with a payout ratio of 1 to 7. Customer C declines and Customers A and B accept the offer by insuring $2,000 and $1,000, respectively. At this stage, the insurance taker 60 uses a computing device 36, such as a PDA, to enter:

(a) Payout ratio of 1 to 7;

(b) the cumulative total of $3,000 ($2,000 and +1,000) of insurance bets;

(c) Confirmation from the insurance recipient 60 by attaching a portable memory storage device 38 such as an RFID card to a computing device 36 such as a card reader of a PDA.

All of this takes place before the casino dealer turns over the cards from the player's grid. Customer A then has the casino dealer turn over the player's grid. There are three possible outcomes after the dealer turns over the player's cards in a casino:

The total number of player grids is 9 points - the banker loses

The insurance taker selects the Enter button on the computing device 36 and shows on the display screen that the cumulative amount to be credited to the accounts of Customers A and B is $21,000 ($3,000x7). Of the $21,000 cumulative figure, $14,000 ($2,000x7) is credited to A's portable memory device 38 by connecting customer A's portable memory device 38 to a computing device 36, such as a PDA, via insurance recipient 60 to his RFID tag Connected to the same computing device 36 for confirmation. The remaining $7,000 ($1,000x7) is credited to Patron B's portable memory storage device 38 by the same procedure as previously described to complete the allocation to end the BIP game of this particular example.

8 points - draw, resulting in a tie between the banker and the player

The insurance taker 60 selects the tie button on the computing device 36 and confirms that this insurance collection is recorded as a tie by connecting customers A and B and the portable memory storage device 38 of the insurance taker 60 to the computing device 36, such as a PDA, so as to close the deal. BIP games for specific situations.

The total number of player grids is 0 to 7 - the banker wins

Insurance taker 60 selects the win button on computing device 36 and shows on the display screen that the total amount to be debited from customers A and B is $3,000. Of the $3,000 grand total, $2,000 is debited in Customer A's portable memory storage device 38 by attaching it to a computing device 36, such as a PDA, with the insurance taker 60 attaching his RFID tag to the same computing device 36 confirm. The remaining $1,000 is debited from Patron B's portable memory storage device 38 by the same procedure just mentioned to end the BIP game for this particular case.

In an alternative embodiment, slow BIP is performed with high turnover. In this case, there would be sufficient time for the insurance taker 60 to enter each customer's BIP wager into the computing device 36, such as a PDA, and corresponding portable memory storage device 38 before the baccarat game results are known.

In one embodiment, it is assumed that customer A plays alone at a gaming table with insurance taker 60 . Customer A places his or her bet on the player box. With the bet gauges placed on the player boxes on the baccarat table, the casino dealer then draws the cards face down from the game shoe according to the following baccarat rules:

·The first card is given to the player, then

·The second card is given to the banker, then

·The third card is given to the player, then

·The fourth card is given to the dealer

When this is done, the two player's cards are given to Customer A and the casino dealer retains the banker's cards. This is because customer A has already placed his bet into the player box. All four cards are face down and not turned over.

Customer A can pinch the cards. The total number of player cards is 6 points (4+2) and the insurance taker 60 selects the button PLAYER shown on the screen of the computing device 36, such as a PDA, to enter the points of each card that customer A turns over. With a set of predetermined payout ratios loaded on the computing device 36, the computing device 36 prompts an insurance bid with a payout ratio of 1 for 3. When customer A decides to accept the offer, insurance taker 60 performs the following actions:

(a) Enter the amount that the customer has purchased for BIP of $2,000;

(b) Confirmation on computing device 36 by connecting portable memory storage device 38 of customer A and insurance recipient 60 to a card reader of computing device 36.

Customer A then instructs the dealer to turn over the two dealer cards. If the total number of banker cards is 7, 8, or 9 points, the banker hand wins. If the dealer totals 6 points, it will be a tie. According to baccarat rules, if the total is 0, 1, 2, 3, 4 or 5, the dealer then needs to draw a third card. When the dealer's third card is turned over, the dealer wins if the total of the three cards is 7, 8, 9, and draws with the player if the total is 6, and if the total is 0, 1, 2, 3, 4 or 5 the banker loses.

For illustration, assume that the dealer's 3 cards turned over have a total of 2 points (the first 2 cards are 1 and 3 points, and the third card turned over is 8 points, the total of the dealer's hand is 2 points) and The player's hand wins, and the insurance receiver 60 performs the following actions:

(a) select the dealer button to enter the value of the card;

(b) Enter card values 1, 3 and 8 (via built-in system, computing device 36 such as PDA to identify insurance taker 60 to win bets);

(c) On its display screen, computing device 36 prompts insurance taker 60 to debit customer A's portable memory storage device 38 in the amount of $2,000.

The transaction is completed by picking up the portable memory storage device 38 of Customer A and the insurance taker 60 to end the BIP game for this particular situation.

One embodiment of the DIP subsystem of the BIP includes a computing device 36 and a portable memory storage device 38 . The computing device 36 is loaded with an application package for odds calculations; and a predetermined baccarat odds table for manual entry of drawn cards. Computing device 36 is designed for fast BIP and slow BIP. The application package is loaded into computing device 36 to calculate insurance payout ratios, BIP bids paid and potential payout values.

Cards drawn at the gaming table are entered into computing device 36 by using the following method and system:

·Speech Recognition

·Brand image converter

·Video streaming/display capability

·Manual input

Depending on the final outcome of a particular hand, the customer 48 decides to use the risk management options to win or lose at the table, while the payout option selected wins or loses, respectively. The continuous purchase of odds options by the customer 48 allows the insurance taker 60 to track the customer's preferences and results at the gaming table and cumulative results of selected options. The total value of options taken including cumulative wins or losses of the exercise is tracked. Customers are rewarded with monetary and/or non-monetary incentives for reimbursement during or after the trip.

Since each customer 48 is issued a portable memory storage device 38, all transactions made by the customer 48 can be "touched" on the computing device 36, encoded and retained within the portable memory storage device 38 until when the customer wishes to review, verify, and settle their transactions. Payable/Win withdrawals and/or their non-monetary revenues such as loyalty points.

The portable memory storage device 38 records and maintains all transactions made as a customer ledger. The portable memory storage device 38 allows customers 48 to encode their preferred personal identification number (PIN) for security reasons.

For each odds option wagered, the customer 48 is required to "touch" his or her portable memory storage device 38 on a computing device 36, such as a PDA. The insurance taker 60 is also required to reconfirm these transactions. Reconfirmation is performed by "touching" the portable memory storage device 38 of the insurance recipient 60 . "Touching" does not necessarily require physical contact. Accordingly, portable memory storage device 38 and computing device 36 may be configured to interact over a range of adjacent distances without requiring actual physical contact. This business method provides a non-parallel secure business method implemented by customers 48 through services between payout options utilized by insurance takers 60 to each established player ledger for customers 48 to exercise their rights to manage their knowledge at the gaming table risk.

The information encoded and contained in the portable memory storage device 38 enables the customer 48 to facilitate real-time access to such data, thereby eliminating any doubt/ambiguity regarding the payout ratio options employed. It forms the basis for documented and validated reliable, credible and transparent business approach information to customers 48 and/or appropriate relevant governing bodies. Transactions contained in the portable memory storage device 38 for individuals within one or more groups may be separated, grouped, and categorized accordingly.

The agreed consortium structure would track, evaluate and trace these individual (possibly belonging to groups of collaborators) transactions and the business approach would determine the final outcome of the structure.

Insurance participation provided by the junket operator 42 can also be wagered in the following scenarios through the use of the portable memory storage device 38. Cards with pre-loaded value may be pre-sold and paid out each time the cardholder places a wager. The card can also be topped up when the stored value drops. In order to purchase additional top-ups, the customer 48 can do the following:

·Withdraw from existing credit facilities

· Request a credit extension

· Use in-game currency, personal checks or credit cards

· Game currency measurement code or non-convertible measurement code

Initially the customer may be issued 480 a portable memory storage device 38 of zero value (credit period). At the end of the junket trip, a customer 48 with a positive value on the card is deemed to have won the insurance participation and will be paid accordingly by the junket operator 42, while a card with a negative value is considered to have lost the insurance participation and the customer 48 is deemed to have won the insurance participation. Settlement with the intermediary 42 is required within the agreed credit period.

RLDIP subsystem

In one embodiment, the JLS may include an RLDIP subsystem module 17 . The RLDIP subsystem module 17 is applicable to the agent of the intermediary and the customer's insurance to participate in the game data, such as the betting game currency of the customer, the betting game currency of the loss, the betting game currency of the win, the accumulated customer loss amount minus the bettor's payment, the cumulative Bettor payouts plus bettor losses, payouts of in-game currency per win.

Depending on the final outcome of a particular hand, the customer 48 who makes the decision to use the risk management option either wins or loses at the gaming table, while the payout option selected wins or loses, respectively. This continuous purchase of odds options played by customers 48 allows the insurance taker 60 to track the customer's preferences and results at the gaming table and cumulative results of the options selected. The total value of options taken including cumulative wins or losses of the exercise is tracked. Rewards and offers to patrons 48 monetary and/or non-monetary incentives.

The RLDIP for BIP business methods includes the following elements:

·BIP-RR (Revenue Discount) -- For every dollar bet by the customer 48, regardless of the result of the bet

· BIP-RLH (Discounted Bettor's Loser) -- For every dollar lost by the customer bet

· BIP-RWH (Discounted Bettor Winner) -- For every winning dollar bet by customers

· BIP-RNL (Discounted Bettor's Net Loss) - accumulated amount lost for customers minus bettor payout; and

BIP-Rolling (discounted turnover) -- for accumulated bettor payouts plus bettor losses

· BIP-RPO (Discount Payed by Bettors) -- for every win a customer pays in game currency

The insurance taker 60 is a very critical element that contributes to the success or failure of a BIP transaction.

As shown in Tables F and G, in one embodiment, the RLDIP subsystem helps provide incentives and increase customer/BIP bettor loyalty.

Form F:

Identifying major factors or values extracted from these transactions that can be used to generate rewards and contribute to the RLDIP subsystem 17 . these are:

· Winning income - $1,000 - refers to the number 1 (income);

·Losing income- $5,000- refers to serial number 2&3 (income);

· Net Income - $6,000 - refers to serial number 1, 2 & 3 (income);

Bettor pays - $3,000 - refers to sequence number 1 (bettor pays);

Bettor's loss - $5,000 - refers to sequence number 2 & 3 (bettor's loss);

By using prime factors or combinations of prime factors (baskets of factors), different sets of RLDIP programs can be generated or archived. Some examples are as follows:

· BIP-RR - discount based on bettor's net income - $6,000(1+3+2)k;

· BIP-RLH - Discount based on bettor's loser - $5,000(3+2)k;

· BIP-RWH - Discount based on revenue earned - $1,000;

· BIP-RNL - Discount based on bettor losses minus bettor payouts (losses must be greater than payouts) - $2,000{(3+2)-3}k; and

· BIP - Turnover - based on bettor payout plus discount on bettor loss - $8,000{3+(3+2)}k.

· BIP-RPO - Discount based on bettor pay - $3,000

It is important to protect JLS10 by utilizing any combination of main factors or any basket of factors used for input into RLDIP. Table G was generated from the results shown in Table F. Percentages are not actual ranges to be protected, but are used for illustrative purposes only.

Form G:

The example below uses data from tables F and G.

Example 1 (discounting based on net income, BIP-RR)

The customer participates in the BIP game and has a net income of $6,000. Whether he wins or loses the BIP game, will give:

Reward: $900(6000x15%)

·Loyalty $100(6000x1.66%)

Example 2 (loser-based discounting, BIP-RLH)

If the customer's loser is $5,000, give the customer:

Reward: $900(5000x18%)

·Loyalty $100(5000x2%)

Example 3 (winner-based discounting, BIP-RWH):

If the customer has a winning hand (revenue that involves the bettor's winnings on the BIP but not winning payouts) of $1,000, the customer is given:

Reward: $900(1000*90%)

·Loyalty $100(1000x10%)

Example 4 (discounting of net loss, BIP-RNL):

If the customer loses $2,000 (redemption is valid only if the customer loses), give the customer:

Reward: $900(2000*45%)

·Loyalty $100(2000*5%)

Example 5 (discounting of turnover, BIP-turnover)

If the customer's BIP-Turnover is $8,000, give the customer:

Reward: $900(8000*11.25%)

·Loyalty $100(8000*1.25%)

Example 6 (Discounting of Payments, BIP-RPO)

If the customer's BIP-RPO is $3,000, give the customer:

Reward: $900(3000*30%)

·Loyalty $100(3000*3.33%)

From the six examples above, the reward and the loyalty amount end up having the same value, which should not be the case. This situation arises because the backward calculation method is used and assumes that rewards, loyalty, and BIP earning are always $900, $100, and $2,000, respectively. Taking the win of $2,000 and expressing it as 100%, allocate 50%, 45%, and 5% to retained wins, rewards, and loyalty, respectively. This is how the percentage figures in Form G are derived.

As shown in Tables H, I, J, and K, in another example, the RLDIP subsystem provides another example of providing rewards to patrons 48/BIP bettors and increasing the loyalty of patrons 48/BIP bettors.

Form H:

Form I: (Composite results from Form H)

Form J: (Extraction of Form F)

BIP-RR BIP-RLH BIP-RWH BIP-RNL BIP-Rolling BIP-RPO award(%) 15.00 18.00 90.00 45.00 11.25 30.00 loyalty(%) 1.66 2.00 10.00 5.00 1.25 3.33

Form K (dollar-based discounted amount on Form H&I)

BIP-RR BIP-RLH BIP-RWH BIP-RNL BIP-Rolling BIP-RPO award 2400.0 2340.0 2700.0 0 3262.5 4800.0 Sincerity 265.6 260.0 300.0 0 362.5 528.0

Vary the discounted amounts shown in Table K by using different factors or baskets of factors. This enables the customer 48 or bettor to choose the one that meets his needs.

Generally, these can be explained by:

BIP-RR: constant discount based on purchase amount;

BIP-RLH: When a customer loses 60 to the insurance taker on a particular game hand, he or she wins from the game table. This program is available to customers who are confident of winning from the casino for this junket trip;

BIP-RWH: This program is available to patrons who do not have confidence in the junket trip to win from the casino;

BIP-RNL: Conservative customers can choose this game to win against BIP losses;

BIP-Rolling: Customers who spend a long time participating and involve many BIP transactions can choose this, because significant BIP turnover is generated,

BIP-RPO: Pessimistic patrons48 who are not confident of winning from casinos but want to win from BIP may choose this procedure.

The percentage ranges shown in Table G are for illustrative purposes only. Most importantly, realize how it relates to Form F.

JSL 10 allows customers 48 to control their perceived risk by offering certain predetermined payout options. If the customer 48 so utilizes the option provided by the insurance taker 60, the customer 48 may ask the dealer to turn over the dealer's cards. The total of the customer's cards is compared to the dealer's total to determine the outcome of the bet and risk option taken. If the customer's total number of cards is lower than the dealer's total number of cards or vice versa, the rules of the game dictate that the customer 48 and/or the dealer each need to draw additional cards. In this case, cards will be drawn according to the actual situation.

The payout options offered to customer 48 are generated from computing device 36, such as a PDA, and customer 48 may then accept the offer to manage perceived risk.

The RLDIP subsystem 20 will continuously track the payout options wagered by customers 48 and the results of each and every hand of the baccarat table game. The customer 48 can then be rewarded accordingly via loyalty points, BIP-RR, BIP-RLH, BIP-RWL, BIP-RNL, BIP-Rolling and BIP-RPO. Rewards and commercial loyalty cannot be achieved without this business approach.

JCM subsystem

As shown in Fig. 8, JCM subsystem module 22 has provided following function module: credit is set up (no guarantee/guarantee amount) function module 136, credit limit extends evaluation function module 138, credit review function module 140, and credit rating function module 142. The operation of the JCM 22 is based on information gathered from the TRET module 14 , the JAR module 24 , the JCRM module 18 and the DIP module 20 . The JCM subsystem module 22 is adapted to evaluate and rate each individual customer 48, appointed agent or collaborator 46. This assessment includes a credit assessment that relies on the ability to generate greater turnover and settle any debts that fall due within the agreed time period. The gaming habits and payment capabilities of each individual patron 48, designated agent or partner, are evaluated for establishing appropriate ratings and rewards. Generally direct customers 48, designated agents or partners to establish credit facilities. Establish a credit facility with or without collateral.

JCM has evolved around the following key unique gaming-related features to improve junket credit standards:

· Quantitative and qualitative analysis of real-time dynamic data on the establishment of credit overdraft based on whether to provide mortgage, customer's game behavior and repayment method;

Establishment of credit extension evaluation system based on quantitative and qualitative analysis of real-time dynamic data of customer's game behavior and repayment methods

·Establishment of a regular credit review control system that will affect credit overdraft and credit extension limits;

·Establishment of credit rating system for intermediary customers, designated agents or partners.

The establishment of a credit facility through JLS10 is classified into an unsecured credit facility and a secured credit facility which will be described in detail below.

Unsecured Credit Facility

The provision of unsecured credit facilities depends largely on a simple credit evaluation of the quality of the customer 48 . Key personal information is required to determine the quality of a customer 48:

·Background Information;

·Profession;

· Assets owned, such as houses, cars, etc.

· Game history, if any;

· the quality of referrals by existing customers;

· Quality introduced by appointed agent or collaborator, if relevant;

Other information, such as credit card credit limit, etc.

JLS10 provides that unsecured credit facilities granted to first-time customers are generally capped at $5,000 to $50,000 because this allows the customer to have sufficient credit for a typical gaming trip of 1 to 15 days in duration.

Unsecured credit facilities are provided to individuals relatively more frequently than secured credit facilities. However, the resulting turnover (turnover/turnover) is relatively low. The risk of bad debts is low and diluted.

Secured Credit Facility

Offering a secured credit facility sounds less risky. However, JLS 10 is aware of the fact that customers 48 wish to obtain a higher credit facility than they have provided guarantees. JLS10 only accepts game currency as collateral in order to provide a higher credit facility on top of the provided guarantee amount.

A rule of thumb for intermediaries 42 is to provide up to a maximum of $1 of this type of credit facility for every $1 of security provided. For example, where customer 48 provides a guarantee of US$100,000 in the form of a bank check, intermediary 42 may provide customer 48 with non-convertible meter codes (dead meter code) for games.

However, JLS10 defines the provision of secured credit facilities from two perspectives:

·First time customer

·Repeat customers

This rule of thumb applies only to first-time customers, which are direct customers, ie customers who are not introduced. During game tours, first-time introduced customers are given a 50% prepaid credit facility with an additional 50% backup credit facility against the guarantee offered. The standby credit facility is only allowed to be drawn by the customer if the customer 48 loses 80% to 90% of the originally assigned non-convertible meter code.

This enables the junket operator 42 to use the TRET module 14 and the JAR module 24 to access the gaming habits and participation capabilities of a particular customer 48 while traveling.

A routine simple credit evaluation is performed on the customer 48 to determine background information and occupation.

For repeat customers, the JLS 10 will have sufficient information from the TRET module 14, JAR module 24, and JCM module about the customer's 48 gaming and payment attributes to determine the secured credit facility amount to offer.

JCM is set to be capped at twice the amount of guarantee offered. For example, if a repeat customer 48 provided a $1 million guarantee, the secured credit facility would be capped at $2 million. Meaning, the maximum total non-convertible meter code that can be offered to the customer 48 is $3 million ($1 million from the guarantee provided plus $2 million from the credit facility).

The TRET module 14 and the JAR module 24 will provide the customer's quantitative analysis of the previous 12 months, the moving average of the real historical data and the JCM module will convert the analysis results into the guaranteed credit overdraft amount to be granted.

Data, among other things, includes:

·Average betting by customers per hand;

· Duration of customer engagement;

- the type of preferred table game limits;

· Turnover (turnover/turnover) and winning/losing amount generated at gaming tables;

· Insurance participation for bets and winning/losing amounts for said bets;

· Settle the repayment cycle of any outstanding in-game debt;

• Frequency of returning trips (loyalty).

Credit extension is defined as the amount of additional credit extended by a junket operator 42 to its customer 48 after the normal credit facility has been exhausted. This is another form of unsecured credit offered.

The credit extension of JLS 10 evolves around the establishment of patron 48's recent gaming habits and ability to pay. The actual historical data of the customer 48 for the past 3 months, including the current trip available to the JAR module through the TRET module 14 is analyzed and converted to the JCM module to establish the credit extension to be provided for the current trip.

The real data, among other things, includes:

·Average betting by customers per hand;

· Duration of customer engagement;

- the type of preferred table game limits;

· Turnover (turnover/turnover) and win/loss at gaming tables;

· Insurance participation for bets and winning/losing amounts for said bets;

· Settle the repayment cycle of any outstanding in-game debt;

• Frequency of returning trips (loyalty).

Credit extensions are derived primarily from the following factors. Set weights to define how relevant these factors are:

· Repayment Rating - a rating system that defines a customer's repayment ability over a twelve-month turnaround time period;

Extended Risk - Defines the customer's current ability to pay level by using the latest three-month debit turnover ratio (in days);

· Turnover capacity - defines the strength of a customer to generate turnover for the previous twelve month turnover schedule and is referenced against a random pool of existing customers by using the bell curve measurement of the quartile distribution;

Current debt - if any, a measure of the amount outstanding above normal credit facilities and how long the debt is in arrears;

• Insurance Participation Intensity - A measure of the patron's participation intensity in insurance participation, since not all patrons are inclined to exercise their risk control when participating in the game. Customers who exercise risk control always demand higher credit.

For JLS module 10, credit extension is highly dependent on these factors to ensure higher credit standards. These factors will provide a variable structured rating of each customer 48 to determine their creditworthiness against available capital to match the junket 42 needs to generate more turnover.

Since insurance participation is a unique and inherent part of JLS10, the factor of insurance participation is used as a multiplier for the amount of credit extension to be provided. It distinguishes whether the customer 48 is an insurance participating player or not. It recognizes and rewards insurance participating players with higher credit extension values. It measures the participation intensity of the customer's 48 insurance participation. Calculated as follows:

Insurance participation factor = total insurance participation bet / total turnover

Credit extensions are capped at a maximum of 100% of the credit facility. For example, if there is an initial credit facility of $1 million for the current travel customer 48, the maximum amount of credit extension would be capped at $1 million.

JLS10 requires a credit review. JLS10 employs a credit term repayment period of 7 to 14 days from the date the account is closed. A credit review includes the process of reviewing the credit facilities of the customer 48, nominated agent or partner 46, which may be triggered by any of the following events having occurred, whichever occurs first:

· When a failure to fulfill the payment of an outstanding debt occurs;

When more than one request is received to defer cashing or depositing any personal checks (used to settle outstanding accounts) to the intermediary's bank account for the purpose of liquidation;

When any personal check (used to settle outstanding accounts) is rejected/returned more than twice by the intermediary's bank account for any reason;

• When there is a default in payment of an outstanding debt to any casino or any other junket operator and the junket operator 42 is aware of it;

· When there is a default in the payment of an outstanding debt and it is processed in installments;

When there is more than two non-fulfillment of agreed installments to settle outstanding debts;

A maximum period of 3 months from the time the account was closed for the last game trip;

• The credit review will assess the timeliness of payment and adjust the credit rating of the customer 48, appointed agent and collaborator accordingly. This will have a favorable or adverse effect on their corresponding credit facilities.

The junket credit rating system established for the junket operator 42 includes ratings of the creditworthiness of customers based on their ability to generate turnover by virtue of gaming ability and payment ability.

Turnover generated includes turnover in casinos and insurance participation in betting with junkets 42 .

The rating system is unique in that it rates customers 48, designated agents or collaborators 46 based on an evaluation system based on real historical data. Data collated through various aspects of JLS 10 is analyzed and interpreted to establish customer 48 ratings.

For example, the cumulative turnover of patrons is $100 million per year and the cumulative insurance participation is $2 million. These were achieved from a total credit utilization of $5 million. The resulting total turnover is therefore $102 million per annum with a factor of 6.8 ($102 million divided by $5 million).

A customer 48 with an established credit term of 14 days and with an average debtor turnover of 12 days for this customer 48 would be rated AA7 as shown in Table L, where x equals the established credit term.

Form L:

x<-14 x<-7x x+7 x+14 x+21 x＞21

Debtor Circulation (Days)

This means that the customer 48 is one level better than the standard payability while generating a turnover factor of 7 for the intermediary 42 .

In another example with the same amount of cumulative turnover and credit utilization but with a different average debtor turnover of 18 days, customer 48 is rated BB7, where customer 48 has a lower than standard average for ability to pay, while being an intermediary Person 42 generates a turnover of factor 7.

JAR subsystem

Referring to Fig. 9, based on the JMTM module 12/TRET module 14, the JAR module 24 realizes the following functions: for customers, designated agents and collaborators reserve the due amount function module 144; employee reward mechanism function module 146; insurance recipient reward mechanism a functional module 148; and a key performance indicator (KPI) functional module 150 for customers, agents and partners. The JAR subsystem module 24 is adapted to evaluate data collected by the JLS to calculate monetary rewards and non-monetary incentives. The JAR subsystem module 24 operates through factor-based applications that take place before and after each game tour.

The JAR subsystem module 24 performs the following functions:

· Reserving and calculating all due amounts (monetary or non-monetary) for customers 48, designated agents or collaborators;

· Reservation and calculation of monthly entitlements for the junket operator 42 in order to align with the casino operator;

· Retain and calculate rewards and incentives for employees

The JAR subsystem module 24 includes the terms of the maintenance of commissions, loss discounts, credit facilities, insurance participation in JV programs, loyalty points, etc. attached to the corresponding customer 48, appointed agent or collaborator 46, etc.

All transactions by customers 48 will be tracked, evaluated and traced to the correct account. The JAR module 24 will correctly calculate all due amounts and assign them to the correct accounts to remove any ambiguity, doubts and disputes. The necessary audit trail is also provided for inspection and validation. Competent authorities can also gain access to comply with audits if required.

A unique feature of the JAR module 24 is the ability to utilize the JMTM module 12 to contact patrons' preferences to arrange game tours for them with preferred junket representatives 52 . Because gamers have unique behaviors that are emotionally arousing, meeting customer needs and preferences is an important factor in generating customer satisfaction and repeat patronage. The JMTM module 12 in the TRET module 14 will enable employees to be rewarded through incentive mechanisms. The JAR module 24 will maintain the method of employee incentives and give necessary incentives to employees.

The JAR module 24 will enable the intermediary 42 to create a unique reward mechanism for their insurance recipients with incentives entirely related to insurance participation. The reward mechanism is based on the amount of insurance participation purchased by the customer 48, wherein C% is provided to the insurance taker based on the total amount of insurance participation the insurance taker accepts through a computing device 36, such as a PDA.

Apart from this, it is considered normal for customers 48, designated agents or collaborators 46 to tip all intermediary representatives. The JAR module 24 is able to track all tips accepted and calculate them for distribution to all eligible junket representatives according to pre-approved distribution methods.

The JAR module 24 can provide a meaningful policy and audit trail for the intermediaries 42 to establish and measure their business key performance indicators (KPIs). Some of these metrics relate to the data collected:

·customer

○Total turnover;

○ Average turnover per transaction;

○Number of turnover transactions completed;

○Total realization amount;

○The average realization amount of each transaction;

○Total returns;

○Average returns per transaction, etc.

·Designated agent or collaborator

○ Number of players introduced;

○Turnover volume aimed at reaching the target;

○Use of credit;

○Average turnover on credit usage, etc.

·Intermediary representative

○ total turnover performed;

○ Average turnover per customer 48;

○ Hours worked;

○ The number of transactions performed, etc.

The JAR module 24 will track the hours worked by these individuals and calculate rewards, incentives and/or profit sharing (as applicable) for each level of agency representatives, controllers and insurance takers. Reward them based on each game trip and/or accumulated trips or whatever established predetermined period.

The described embodiments are to be regarded in all respects as descriptive only and not restrictive. The scope of the invention is therefore indicated by the appended claims rather than by the foregoing description. All modifications that come within the meaning or range of equivalents to the claims are included in the scope of the claims.

Claims (18)

1. A method for increasing customer loyalty, the method comprising: A computing device is provided, the computing device comprising: processor, monitor, computer readable media, and Encoding configured to calculate a customer's loyalty points; determining a customer's performance value, the customer's performance value being related to the customer's engagement history, comprising: Calculate the amount of customer participation in game turnover during game tours, Wherein the amount of said turnover is determined by the game currency measurement code used for exchanging the non-convertible measurement code; Calculate a customer's loyalty points based on the customer's performance value; storing the customer's loyalty points on a computer readable medium; and The customer's loyalty points are displayed on the display. 2. The method of claim 1, further comprising: Provide customers with portable memory storage devices; Wherein said computing device also includes: coding configured to determine a customer's credit limit; calculating the customer's risk of winning during a gaming session with program instructions for calculating the customer's risk of winning, wherein said computing device executes said program instructions, Wherein said program instructions may include: predetermined payout ratios associated with game participation, and A method, said method comprising: determining the current payout ratio related to the game session according to the predetermined payout payout ratio, To determine the bets placed by customers during the gaming session, determining the customer's performance value in relation to the customer's engagement history, and Calculate customer's win/loss risk from predetermined payouts, bets, and performance values, displaying an indication on the display of the computing device relating to the customer's risk of winning or losing; and storing records of the insurance on a portable memory storage device configured to communicate with The computing device communicates. 3. The method of claim 2, further comprising: A record of loyalty points incremented according to the amount of insurance is stored on the portable memory storage device. 4. The method of claim 2, further comprising: A record of bonus points incremented according to the amount of insurance is stored on the portable memory storage device. 5. The method of claim 2, wherein the code configured to determine the customer's credit limit includes instructions to calculate the customer's credit rating in real time. 6. The method of claim 5, wherein the instructions calculate the customer's credit rating in real time. 7. The method of claim 6, further comprising: Credit ratings are calculated in real time based on historical data; The historical data includes debt data and debt repayment data; determine credit limits for customers; and The credit limit of the customer is displayed on the display. 8. The method of claim 2, Wherein said portable memory storage device is an RFID card. 9. The method of claim 2, wherein said game is baccarat; and The game participation is a baccarat game participation. 10. The method of claim 2, further comprising: Determine the customer's result value, including: Calculate the settlement time of outstanding debts. 11. The method of claim 2, further comprising: Determine the customer's trade-in value, including: Calculates the turnover of customers over a period of time divided by the line of credit extended by the intermediary. 12. The method of claim 10, further comprising: Determine frequency values for customers, including: Calculate the volume of web portal services used by customers. 13. A system for increasing customer loyalty, the system comprising: A computing device comprising: processor, computer readable media, and a code configured to calculate the customer's loyalty points, and to calculate the risk of winning or losing, Wherein the codes include: predetermined payout ratios associated with game participation, an instruction to determine a current payout ratio associated with a game session based on a predetermined payout ratio, To determine the order of the customer to make a bet during the game session, instructions for determining a customer's performance value related to the customer's participation history, and Instructions for calculating risk of win or loss from predetermined payouts, bets, and performance values; a display configured to display indications related to the risk of winning and losing and the customer's loyalty points, Wherein the computing device is configured to transmit the insurance record to a portable memory storage device configured to communicate with the computing device. 14. The system of claim 13, Wherein said portable memory storage device stores customer loyalty points and insurance records. 15. The system of claim 13, Wherein the portable memory storage device is an RFID card. 16. The system of claim 13, Wherein the computing device may include an automatic card image converter. 17. The system of claim 13, Wherein the computing device includes a voice input portion and a codec arranged to recognize speech. 18. The system of claim 13, Wherein said computing device comprises a video camera.

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